Open Membership

These steps explain how to open a new membership.

• After following these steps, the new membership will be open 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. Click the forward arrow.

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

   • You may need to select a separate membership designation, such as trust.

6. Click 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. Click the forward arrow.

9. Depending on your credit union configuration, any of the following prompts may appear next:

   • An OFAC Scan prompt

     1. If the scan results in no hits found, you will be brought to the OFAC Scan pop-up. Click 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. Click 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, click Send Request. After the credit report is received, click 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, click 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.

        • 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 click to run the scan manually.

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

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

   • A previous address prompt

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

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

    • Required fields include the Preferred contact method field.

11. Click the forward arrow.

    • You may need to click 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. On the Verify New Membership Creation pop-up, click Create Mbrship/Continue.

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

13. Click Continue.

14. On the Household Enrollment pop-up, select New household.

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

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

    • Click the forward arrow.

    • Click 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.

15. Depending on your previous selection, you may now see the Secondary Names Linked to This Account screen on which you can add a joint owner or other secondary name.  

    • Click 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.   

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

    • Select the correct printer and click the forward arrow.

    • You may need to click the forward arrow multiple times if there are multiple forms to print.

17. The remaining screens will depend on your credit union-configured member service workflow controls.

    • You may be presented with the New Account Creation screen to open a new sub-account.

    • You may also be presented with the Member Personal Banker screen to set up online and/or text banking services for the  member.

Learn More

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