**Plan to bring photo ID. An old address may prompt additional checks, but it does not automatically prevent you from buying the draft.** Your bank’s requirements will determine whether it causes a delay.

Assuming you’re in Canada, FINTRAC’s government-issued photo ID method requires a valid, current document whose **name and photograph** match you; an address match is not listed as a requirement for that method. Banks can also rely on identity verification already completed, provided they have no doubts about that information. See [FINTRAC’s identification guidance](https://fintrac-canafe.canada.ca/guidance-directives/client-clientele/guide11/11-eng).

Your debit card and PIN may help authenticate you, but you should not assume they will satisfy every check for a draft close to $100,000.

With closing only a few days away, call the branch now, explain the address discrepancy, and confirm what they’ll accept. Bring your photo ID, debit card, and recent proof of your current address, such as a utility bill. If you have a valid passport, bring that too. Confirm the exact payee name and amount with your closing lawyer before ordering the draft.