Assigning Imitation Social Security Numbers

SEE ALSO: CU*BASE Standards for Social Security Numbers (NOTE: A PDF version of this booklet will open.)

When creating a new membership, or setting up a non-member record for any reason (IRA beneficiary, joint owner, co-borrower, etc.), if the individual cannot provide a valid SSN, the credit union should assign the next available imitation SSN using the following numbering schemes:

993-00-xxxx

Members without a SSN

995-00-xxxx

Co-Borrowers/Additional Signers (non-members) without a SSN

997-00-xxxx

Joint Owners and IRA Beneficiaries (non-members) without a SSN

  • NOTE: Obviously if a non-member has already been entered on the system as a joint owner or IRA beneficiary using a 997-00-xxxx SSN, use that number when setting up a co-borrower record (or vice versa). The main reason for differentiating co-borrowers from other types of non-members is because of the unique issues associated with credit bureau reporting and delinquency notices. Using a different numbering scheme for an individual that is strictly set up as a loan co-signer will make it easier to identify and monitor these records.

Generating the Next Available Imitation SSN

From the Membership Services screen or the Non Member Maintenance screen when opening a membership, use F9-Crt Imitation SSN to generate the next available SSN (in the ranges of 993000000, 995000000 or 997000000, depending on which type of membership/non-member record you need to create).