Compliance · 4 min read
SCUML Checklist 2026 - Documents, Timeline and How to Avoid a Bank Freeze
The EFCC is auditing DNFBPs more aggressively. Here's the exact SCUML checklist AMG uses for 2026 filings.
SCUML is not optional for Designated Non-Financial Businesses. Consultants, real estate, jewellery, hotels, schools, NGOs and dealers in high-value goods must all file - and banks now check before opening or reactivating corporate accounts.
Documents you'll need
- CAC Certificate + Status Report + MEMART
- TIN (activated, not just auto-generated)
- Utility bill or tenancy for registered address
- IDs of directors / trustees
- Brief scope of business - what you actually sell
Timeline
1–3 weeks with AMG once documents are complete. Longer if the EFCC requests additional evidence - we handle that back-and-forth for you.
Bank freezes: the common cause
Banks flag accounts when annual SCUML review lapses. Set a renewal reminder or let AMG's compliance calendar handle it.
Done-For-You or Do-It-Yourself - AMG handles or guides every step. Call/WhatsApp 07038857441, 08103483669, 08158014880 or email growwithaccolade@gmail.com / theaccoladesmedia@gmail.com. Join the WhatsApp Channel: https://whatsapp.com/channel/0029VbBpOtL4IBhKWQtHSs3Z. Fees and timelines update through 2026 - confirm the latest with an AMG agent before paying.