Opening or Updating a Membership: General Info

Screen ID: 

Screen Title: 

Panel Number:

UMBRSHIP-21

Open/Update New Membership - Individual

2429

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Field Name

Description

Date opened

The date on which the membership was opened.

Branch

The branch number to which this member is assigned.

·     To change this on an existing membership, you must first use F11-Unlock Fields to allow input into the field. This will also unlock the SSN/TIN and Designation fields, so be careful not to change that data accidentally.

Name

The member’s full name (first, middle initial, and last name, or full name for an organization).

·     The label on this field might be different depending on the Membership Designation selected. For example, this label might read “Trust Account” or “Corporation.”

SSN
or
TIN

The member's Social Security Number or organization's Tax Identification Number.

·     To change this on an existing membership, you must first use F11-Unlock Fields to allow input into the field. Remember that changing an SSN/TIN must never be done unless all existing links between this member and other member and non-member records (co-borrowers, joint owners, IRA beneficiaries, etc.) have been removed. SEE ALSO: Modifying a Social Security Number.

DBA name

Use this field to record a DBA (doing business as) name for this membership, if applicable.

SEE ALSO: Recommendations for Setting Up Trust Accounts

Name ID

A 2-digit name verification field, used in addition to the account number to verify the member account. This can be the first two letters of the last name, or any other system your credit union wishes to use.

Birth date
or
Date Opened

The member's birth date (mmddyyyy), or the date when the organization was chartered or incorporated.

Gender

(Appears for Individual memberships only.) The member's gender (M=Male, F=Female, or O=Unknown). SEE ALSO: Gender Indicator

Designation

The Membership Designation code assigned to this membership when it was created. This code controls the labels that are used for the primary member name (for example, “Trust Account” instead of “Name”) and joint owners (for example, “Trustee” instead of “Joint Owner”).

·     For memberships created prior to November 2005, this will read either MI for individual memberships or MO for organizational memberships.

To change this code on an existing membership, you must first use F11-Unlock Fields to allow input into the field. This will also unlock the Branch and SSN/TIN fields, so be careful not to change that data accidentally.

SEE ALSO: Recommendations for Setting Up Trust Accounts

Foreign address

Check this flag if the address entered for this member is NOT a U.S. address. (Remember that Puerto Rico and the U.S. Virgin Islands are considered U.S. addresses.)

·     BE CAREFUL: When this is checked, the following fields will be cleared and disabled: State, ZIP Code and County. Field labels for the remaining address fields will also change to make it clear where the foreign city and country information should be entered.

SEE ALSO: CU*BASE Standards for Foreign Addresses

Foreign citizen

(Appears on the Individual screen only.) Used to indicate whether or not the member is a foreign citizen, and governs whether or not dividend and interest information will be reported to the government. If the member is not a United States citizen, check this field to indicate foreign citizenship; this membership will be excluded from any IRS tax reporting or forms.

Death date/dissolve date (*)

Use this field to record the date of death for a deceased member or the date that a corporation is disolved. This can be helpful if the membership will remain open for a time while the member's estate is settled.

If your credit union is configured to auto-freeze accounts for deceased members, to prevent unauthorized withdrawals, when a date is entered into this field, the system will automatically place a freeze (3) on ALL accounts under this membership. A corresponding comment will also appear in the member comment window.

If your credit union does not auto-freeze accounts for deceased members, a pop-up window will appear to allow you to choose whether or not to place a freeze on this member's accounts at this time (would use freeze indicator 3).

·     Online credit unions should contact a CU*BASE Client Service Rep. to change the setting of the Auto-freeze if deceased flag. Self processors can do so using Master CU Parameter Config (OPER #10, then #1).

·     Remember that entering a date here affects this membership account ONLY.  Be sure to check for other memberships with this same SSN/TIN.  You may also need to verify any other relationships the deceased person (or dissolved corporation) may have, such as if they were a joint owner, beneficiary, co-borrower, etc., and follow your credit union's procedures for additional maintenance, such as freezes or other maintenance.

Address #1  
Address #2 
City 
State
Zip

Use these fields to record the member's current address. Field names will be different if this member is marked as having a foreign address (see the Foreign address field described above for more information).

NOTE: To match the technique used by CASS Certification, if the member has an apartment or suite number, include both the street address AND the apt/suite number in Address #1 if it will fit. Otherwise, enter the apt/suite number into Address #1 and use Address #2 for the street address. (NOTE: A PDF version of this booklet will open.)

·     Remember that if your credit union uses CASS certification, you will not be able to edit the ZIP+4 field. Enter the 5-digit Zip code only and the CASS certification process will complete the ZIP+4 field.

SEE ALSO: CU*BASE Standards for Names and Addresses for Metro 2 Credit Reporting

County

The county in which the member currently lives.

Date moved to

Enter the date on which the member moved into the current address.

·     HINT: This date, along with the settings your Workflow Controls, will determine whether or not the previous address information screen will appear next after this screen is complete.

Home Type

Select one to indicate whether the member owns or rents the home at the current address.

Landlord
Phone #

If the Rent field was marked, use these fields to list the landlord's name and phone number.

Home phone

The member's home phone number, including area code.

Work phone
Ext

(Appears on the Individual screen only.) The member's work phone (including area code) and extension, if any.

Cell phone

The member's cell phone, including area code.  Previously this was used to also document alternate numbers.

Fax

The member's fax number, if any, including area code.

Certify address

This box should be checked if the member’s address should be included in your credit union’s normal CASS certification process for statement and other mailings. De-select this option only in rare cases where this member's address cannot be reconciled with the postal requirements.

·     If this flag appears with gray text and cannot be changed, this means that CASS certification is currently being performed on your credit union's files. No change can be made to this flag until after the CASS updates have been completed.

Incorrect address (*)

Indicates whether the current address is correct or not. If you know the address is incorrect, but are unable to obtain the correct address, place a check mark in this field.

·     If this field is checked for a wrong address, the address will be highlighted on member inquiry screens as a flag to alert anyone having contact with that member.

IMPORTANT: If this screen is used to correct a wrong address, make sure this flag is changed as well!

Last contacted (*)

The last date there was any contact with this member. This field can be edited in reference to dormant or inactive accounts.

·     For example: Say a member is temporarily out of the country. During this time the account becomes dormant. The member calls to obtain account balance information. Although no transaction takes place, you could enter the date the member called here, thus taking the account out of dormancy.

Last maintained (*)

The last date on which general maintenance was performed on this membership.

·     This is different from the Address last maintained by field described below. This field records when changes are made to data other than the member's address.

Address last maintained by (*)

If any changes are made to the address information for this member, the system will automatically record the date on which the changes were made, as well as the employee ID of the person making the change.

Joint owners
Beneficiaries

(These check boxes appear only when opening a new membership.) Check either or both of these flags to proceed to the Joint Owner / Beneficiary maintenance screen after creating the membership.

·     CU*TIP: There will be one other chance to change the settings of these flags on the open membership confirmation screen.

Driver's license
State

The member's driver's license number and 2-digit state name.

Other ID

A free-form text field for any other form of ID you wish to record (student ID, Mexican ID, etc.).

Full Middle Name

This full middle name field is not a replacement for the middle initial field in the member’s name. This full middle name does not appear on any other screens and is simply a holder for this information, for example for the use of filling out governmental forms.

Deny membership (*)

This box can be checked to prevent a second membership from being opened for this person. If this exact SSN is entered when opening a new membership, the system will display a warning message to prevent another membership from being opened. This might be helpful for problem members where you need to keep their original membership open, but do not want to allow them to attempt to open another membership.

SEE ALSO:

Using the Deny Membership Feature

Using the CU*BASE Data Match System for OFAC Compliance (NOTE: A PDF version of this booklet will open.)

Blocked Persons/Fraud Alert Database

Denial reason (*)

If the Deny membership flag is checked, choose one of your credit union's configured Denial Types to record the reason for the denial. Click the lookup button to see a list of your credit union's configured codes.

·     Denial Type codes are configured via F12-Config Notices on the first Denied Application Processing screen.

Date (*)

If the Deny membership flag is checked, use this to record the date of the denial.

Command

Description

F3-Backup

Use this to cancel all changes and return to the previous screen.

F7-Cancel

Use this to cancel all changes and return to the menu.

F8-Bypass

Use this to cancel all changes and return to the previous screen.

F11-Unlock Fields

Use this to allow changes to the following fields on this screen: Branch, SSN/TIN, and Designation. Also use this function key to reveal F24-Chg to Orgn

F13-ID Check

If your credit union has activated ID check use the F13-ID Check to run and ID check on the member for Red Flag ID verification. Please Note that there is a charge for each scan. (Depending on the configuration, this can be included in your Workflow Controls and may run automatically.) If the member has already had an ID run on them, then a window will appear listing the date the last ID Scan was run and allowing you to run another scan.

F14-Risk Assessment

If your credit union has been configured to use the QualiFile Risk Assessment interface, and you have activated the Risk assessment option in your Workflow Controls, the system will automatically run the scan using the data on this screen, after you use Enter to continue. (Also see the Opening Memberships Flowchart.) If you have not activated the scan as part of your Workflow Controls, then a F14=Risk Assessment button will appear instead and you must run the scan manually. See the flyer CU*BASE and Risk Assessment Tools: QualiFile by ChexSystems, Inc. for more information.

F17-Blocked Persons

Use this to manually run a scan of the member's name and SSN against your configured Blocked Persons/Fraud Alert list. (If your Workflow Controls are set up to run the scan automatically, this step is not necessary.)

F19-Credit Report

Use this to manually evaluate the member for a credit report on file, and pull a credit report if necessary. (If your Workflow Controls are set up to do this automatically, this step is not necessary.)

F24-Chg to Orgn

(Appears only after F11-Unlock fields is selected.) Use this to change the membership from an Individual account to an organizational one. You will also need to change the membership designation.