Open Membership

These steps explain how to open a new membership.

  • NOTE: The screens that appear during your membership opening process depend on your configured Workflow Controls. You may not see all the screens mentioned below.

  • After following these steps, the new membership will be opened with a base share (000) account.

  1. Launch Tool #3 Open/Maintain Memberships/Accounts.

  2. Select Create new membership.

  3. Enter the Social Security number/TIN.

    • If this person already has a membership with your credit union and you're creating another membership for them, enter the account number of their existing membership.

  4. Use the forward arrow.

  5. On the Open New Membership Selection screen, select either Individual or Organizational, depending on the membership type.

  6. Use the forward arrow.

  7. On the Open New Membership screen, enter the personal information.

    • Required fields include the Address fields, the Birth date field, the Name ID and Driver's license fields.

    • If the membership will have a joint owner, misc. owner, or beneficiary, be sure to check the Secondary Names box.

  8. Use the forward arrow.

  9. Any of the following prompts may appear next. (If multiple prompts are activated, they will appear in the following order.)

    • An OFAC Scan prompt

      1. If the scan results in no hits found, you will be brought to the OFAC Scan pop-up. Use the forward arrow to continue.

      2. If the scan results in a possible match, you will be brought to the Verify New Member Identity screen. Follow your credit union policy.

    • A Blocked Persons Database prompt

      1. If the scan results in record not found, you will be brought to the Blocked Persons Database pop-up. Use the forward arrow to continue.

      2. If the scan results in a suspected match, you will be brought to the Blocked Persons Warning pop-up. Follow your credit union policy.

    • A Credit Report Evaluation prompt

      1. To run a scan, check the Pull credit report for box and click the forward arrow.

      2. On the Request Credit Report screen, select Send Request. After the credit report is received, use the forward arrow.

      3. If the scan is unsuccessful, follow your credit union policy.

      4. If you do not wish to run a credit report, select Skip.

    • A Qualifile Risk Assessment prompt

      1. This prompt appears only if your credit union has been configured to use the QualiFile Risk Assessment interface. (Visit the store to get started!)

        • The scan will run automatically unless you have not activated the Risk Assessment scan as part of your Workflow Controls. In that case, a Risk Assessment (F14) button will appear instead for you to use to run the scan manually.

        • After the scan runs, the QualiFile Risk Assessment – Results screen will pop up.

          1. To view the report, select Copy beside the Passphrase field, and select View Report. Paste the passphrase in the pop-up window, and select Unlock.

    • A previous address prompt

      1. Enter the previous address and use the forward arrow.

  10. On the next Open New Membership screen, enter the miscellaneous information.

    • Required fields include the Preferred contact method field.

  11. Use the forward arrow.

    • You may need to use the forward arrow a couple more times to move past any warning messages such as "Photo ID was not recorded," or "Email Address was not entered."

  12. If activated as part of your Workflow Controls, the Master Greeting screen will prompt you configure mailing greetings for the new member. Make your selections and use the forward arrow.

  13. On the Verify New Membership Creation pop-up, select Create Mbrship/Continue.

    • On this same pop-up, the new member's account number will be listed in the Created account # field.

  14. Select Continue.

  15. Next, you will see the Household Enrollment pop-up.

    • If the individual is already part of another household, select Other existing household. Otherwise, select New household.

    • From the Household member type drop-down menu, select one of the options: Head, Individual, Other, or Spouse.

    • Use the forward arrow.

    • Select Done to confirm.  

      1. If you are creating this new membership as part of a loan application and the loan applicant is not already found in an existing household, then follow the steps above to enroll the loan applicant into a household. However, if the loan applicant is already part of an existing household, then you will be brought to the Household Members screen where you can select to keep the loan applicant in the existing household, move the applicant to another household, or create a new household for the applicant.

  16. If activated as part of your Workflow Controls, the Employer Record screen will prompt you for the new member's employment information.

    • After entering information, select Continue.

  17. If activated as part of your Workflow Controls, you may now see the Secondary Names Linked to This Account screen on which you can add a joint owner or other secondary name.  

    • Select Add to add a new secondary name.

    • If you do not need to add a joint owner, misc. owner, or beneficiary at this time, click Skip.   

  18. Next, you will be prompted to print the forms for the new membership.

    • If you will be opening sub-accounts while opening this membership, you may select Not Ready Yet to wait to print all forms after opening the sub-accounts.
    • Select Start Forms Now. You will be redirected to CU*Forms website.
    • Create and print your membership forms via FormFLOW.

  19. The remaining screens depend on your credit union-configured Workflow Controls.

Learn More

Get an in-depth look at managing your opt in/opt out Reg E offering.

Configure your Workflow Controls for opening accounts.

Learn more about CU*Forms and FormFLOW.