Verifying a Guest Member

The Transaction tab lets you verify a guest member, access the guest member’s basic account information and complete financial transactions. All activity performed for a guest member must begin with verifying the guest member on the Transaction tab. Under Financial Activity on the Portico Explorer Bar, click Shared Service Center. The Transaction tab appears on top.

How do I? and Field Help

Complete the following steps to verify a guest member and request the guest member's information and account listing.

1. On the Transaction tab, click the Issuer Credit Union down arrow to select the issuer credit union and click the green arrow. Your credit union will appear in red in the Issuer Credit Union drop-down list. Only credit union to credit union transfers can be performed when you select your credit union from the Issuer Credit Union drop-down list.
2. On the top menu bar, enter the guest member number and click the green arrow.
3. Click the Request Accounts down arrow to select the number and type of accounts you wish to view account information for. Then, click the green arrow.

For credit unions using the CO-OP Shared Branching network, Portico provides a Reverse Look Up feature that allows you to retrieve guest member account information using their Social Security Number, draft ID (book number) or date of birth followed by the last 4 digits of their SSN (MMDDYYYYSSSS). You can access the Reverse Look Up option from the Request Accounts drop-down list.

When you successfully verify a guest member, the Transaction tab displays the member information, a Transaction Area for completing financial transactions and a list of the member’s accounts. You can customize the Transaction Area using the Transaction Definition window and the master codes assigned to Shared Service Center processing. Anytime you verify a guest member on the Transaction tab, the system creates a report record and updates the Attempted SSC Acquirer Transactions field on the Member and Transaction Statistics window.

The Member Information group box displays the guest member's name, taxpayer ID number, the joint name associated with the guest member's account, and the guest member's address and phone number. For Portico issuer credit unions, the member's statement name (25 characters) will appear. Portico partially masks taxpayer ID numbers. An eye indicator will appear within the field to indicate that you have permission to view the taxpayer ID number. You can click inside the field to show the taxpayer ID. When you tab out of the field, the taxpayer ID will be masked. The taxpayer ID will remain unmasked as long as the field has focus. No special security permissions are required to view the taxpayer ID number for a guest member. To view the taxpayer ID number for a member of your credit union, you must be assigned to the Portico – User Can View/Maintain TIN security group or a credit union-defined security group with the Portico – User Can View TIN permission or the Portico – User Can Maintain TIN permission.

To identify an account as a member or business account for a Portico issuer credit union, Portico uses the Taxpayer ID Type drop-down list on the Stmts/Reporting/Notices tab to determine if an account is a business account or a member account.

• If the Taxpayer ID Type field is SSN or ITIN, then the account will be considered a member account.
• If the Taxpayer ID Type field is EIN, then the account will be considered a business account.

If the account is a business account, the ‘Business Account’ indicator will appear above the guest member's name. Nothing will appear if the account is identified as a member account.

The Account Listing grid provides a list of the guest member's accounts. The following columns appear in the Account Listing grid:

Column Heading	Description
Account Type (unlabeled)	The type of account this member owns. The valid types are S - Share account, L - Loan, and I - Investment.
Description	The description of the account. For example, Regular Shares, Money Market, 5-Yr CD, etc.
Account Number	The share type, certificate number, loan note number, or the last 7 digits of the member's credit card number.
Balance	The current balance of the share, certificate, or loan.
Available Balance	The available balance in the share account. For Portico issuer credit unions, the system calculates the available balance by subtracting the following amounts from the share balance: Minimum withdrawal balance specified in the Minimum Withdrawal Balance field on the Share Profiles - Account Information tab; Check hold and share pledged amounts; Debit card merchant authorized amounts; Accumulated or committed payroll deduction amounts; and Automatic transfer loan payment amounts.
Details	Click the Details icon button to open the Share Details dialog box, Loan Details dialog box, or Investment Details dialog box.
Print	Click the Print column button to display the History Print dialog box and access transaction history beyond the current ten transaction limit, for CO-OP Shared Branch network only.

Click More Info to view additional information about the guest member.

Click Joint Info to display the Joint Member dialog box. The Joint Member dialog box lets you select a joint member's name if they are servicing a joint member on the account. The system will only display the accounts the joint member is allowed to access and print the joint member's name on the receipt.

Click Notes to display the Member Notes dialog box. The Member Notes dialog box displays the guest member's birth date, account open date, driver's license, phone verification (pass phrase/password), email address, and any important notes or messages about the guest member.

For credit unions on the CO-OP Shared Branch network, click the Members button to display the Member Accounts dialog box. The Members button will only appear if a Reverse Look Up request was performed. You can access the Member Accounts dialog box to select another member at any time. The Member Accounts dialog box will be available until you clear the member number on the toolbar or enter a member number that is not listed in the Reverse Look Up Information grid.

To verify a member using the Documents Presented as ID dialog box, click the Documents Presented as ID icon on the Transactions tab.

The Transaction Area lets you complete a deposit, withdrawal, payment and/or transfer for a guest member.

Column Heading	Description
From Product	The source of the funds (checks received, cash received, share withdrawal, share draft withdrawal, etc.).
From Amount	The amount of the deposit, withdrawal, payment, loan advance, or transfer.
From Functions	For checks received, the check hold type and check hold days appears. For a share withdrawal, the share type will appear. For a loan advance, the loan note number will appear
CR/CL...	Depending on the From Product selected, the ... button can change to CR, CL, or GL. If you selected cash, the Cash Received dialog box will pop up automatically when the cursor is in the From Amount column. You can also access the Cash Received dialog box by clicking the CR button in the transaction area grid. You can activate the Cash Received dialog box on the User Profile – Popups tab. If you selected check, the Check Log dialog box will pop up automatically when the cursor is in the From Amount column. You can also access the Check Log dialog box by clicking the CL button in the transaction area grid. You can activate the Check Log dialog box on the User Profile – Popups tab. The Check Endorsement tab will automatically print an endorsement on checks presented for deposit by a guest member. The check can be endorsed at the time of the transaction or later; however, you must manually insert the checks in the printer. The Check Endorsement field in the Service Center Options section on the Credit Union Profile - Self Service tab must specify I or Q. Select the Send MICR check box to click the ... button on the CR Checks Received row and open the SSC Check Information dialog box. The SSC Check Information dialog box lets you record MICR information on checks received. If the guest member is withdrawing funds from a share draft account for check cashing purposes, select the Check Cashing W/D check box in the Options group box and enter the check number in the Chk Nbr field. If the guest member presents a check from their own participating issuer credit union account, select the Member’s Own Acct check box in the Options group box.
To Product	The product the funds are going to (cash disbursed, credit union check, cashiers check, share deposit, share draft deposit, loan payment, etc.). Portico identifies cash and check amounts separately on the Shared Service Center Settled Activity Report 924. You can use the 924 Report to identify large cash transactions and determine if a Currency Transaction Report (CTR) is required.
To Amount	The deposit amount, loan payment amount, fee amount, etc. Length: 10 numeric.
To Functions	For a share deposit, the share type will appear. For a loan payment, the loan note number will appear. To assess a fee for the traveler's checks or money order, type Y in the Function column. Click the ... button to open the Transaction Fee dialog box. Adjust the From Information as needed to cover the fees.

When the total amount of the From Side product codes equals the total amount of the To Side product codes, click Submit to complete the transaction.

You can process a credit union to credit union transfer for a guest member using the following steps:

1. Verify the guest member with the "transfer-from" credit union.
2. Complete a share withdrawal to the product code by selecting the "transfer-from" share type on the From side of the transaction, and selecting the product code associated with master code GX on the To side.

3. When you click Submit, the funds will transferred to the general ledger account in the GL Account 1 field on the Product Code Information window until the transfer is complete.
4. Now, verify the guest member with the "transfer-to" credit union.
5. Complete a share deposit by selecting the product code associated with master code GX on the From side, and selecting the "transfer-to" share type on the To side of the transaction.

6. When you click Submit, the funds will transferred from the general ledger account to the guest member's account at the "transfer-to" Issuer credit union. The transfer will appear in the detailed section of the Shared Service Center Settled Activity Report 924 with a QUAL code of WTF/WTO/DTF/DTO for share withdrawals and share deposits, and ATF/ATO/PTF/PTO for loan advances and loan payments.

To complete a transfer to/from a member account at your credit union, you can select your credit union from the Issuer Credit Union drop-down list. Your credit union will appear in red in the Issuer Credit Union drop-down list. When the member number is entered, Portico will verify the account restrictions to determine if employee security should prevent the transaction. Only credit union to credit union transfers can be performed when you select your credit union from the Issuer Credit Union drop-down list.

If the withdrawal transaction posts and the deposit transaction fails, you must verify the guest member with the "transfer-from" Issuer credit union and reverse the withdrawal transaction.

If the system cannot establish communication with the guest member's credit union, select the Work Offline check box to process transactions offline in force post mode. When you select the Work Offline check box, the Force Post check box appears and is automatically selected to indicate that the transaction will be processed in force post mode.

If the system cannot establish communication with the guest member's credit union, select the Force Post check box to complete Shared Service Center transactions. For teller authorization purposes, the system considers the Portico Host SSC Transaction to be the SSF Transaction. If the issuer credit union has a limit set on the dollar value on offline transactions, the system will require that the teller use an override code to force post transactions.

You can reverse Shared Service Center transactions using the Reversal - Same Day Reversals tab.

Fields relating to Shared Service Center processing appear on the Credit Union Profile - Self Service tab and Credit Union Profile - Products and Services tab. Also, the acquirer credit union must use Expanded Teller Administration (Level field on the Credit Union Profile – Teller tab must specify 3). All issuer credit union information must be set up in the ISO tables before the issuer credit union will appear in the Issuer Credit Union drop-down list.

General Ledger Effects: Shared Service Center allows multiple financial transactions such as check withdrawals and deposits. Refer to the appropriate transaction online help for the general ledger effects.

Related Reports: Shared Service Center Acquirer Reports 920-925

Teller Balancing Effects: Shared Service Center allows multiple financial transactions such as check withdrawals and deposits. Refer to the appropriate transaction online help for the teller balancing effects.

Portico Host: SSV, SSC