Step 3: Verifying Relationships
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The Relationship Verification tab lets you verify a member, non-member or beneficial owner relationship when adding a new member.
Enter the taxpayer ID number in the Joint/Relationship TIN field and click the green arrow to verify if the individual is a member of the credit union. If the individual is a member of the credit union, the member information will appear.
If Portico finds multiple credit union members with the same taxpayer ID number, the Member Search dialog box will appear. Select the correct member and click OK. This will be the member number and statement name that will appear in the Member Number field on the Member Information tab. The Member Number drop-down list will contain all the members with the same taxpayer ID number. You can use this drop-down list to select a specific member statement name to appear in the Relationship grids within Portico.
If the taxpayer ID number is found in the closed account file, the message Joint owner exists on closed account file will appear. To open the Closed Account File dialog box, click the Closed Account icon button. Then, you can use the Action Type drop-down list to temporarily suspend the cross reference check by changing the Action Type field to Suspend so you can add the new relationship without deleting and re-adding the closed account record. Portico will reset the Action Type field back to Stop during the nightly cycle.
If the individual is not a member of the credit union, select the type of taxpayer ID from the drop-down list. Then, complete the tabs to add information about the joint owner.
If adding a beneficial owner that is not a member of the credit union and does not have a valid taxpayer ID number, leave this field blank. You can enter an identification card number or a passport number in the Owner ID field. Then, select the Alien ID check box or Passport Nbr check box to indicate the type of identification.
How do I? and Field Help
If your credit union uses Driver’s License/ID Capture and you have a Magtek card swipe device attached to your workstation, a Driver’s License/ID Capture icon will appear next to the Use Primary and Use Alternate options on the Contact Information tab. Portico can capture the name, address (street, city, state, and ZIP code), date of birth, driver’s license or identification number, and driver’s license or identification card expiration date from state-issued driver’s licenses or identification cards when it is included on the magnetic stripe. When you click the Driver’s License/ID Capture icon, you are prompted to swipe the identification card. Swipe the customer’s driver’s license or ID, then click OK. The ID Information dialog box will appear for you to import the data into Portico.
Complete the following fields to add or maintain the information on the Non-Member Information tab or Beneficial Owner tab.
| Field | Description |
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Short Name |
The non-member or beneficial owner's short name. Length: 20 alphanumeric Keyword: NM |
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First |
The non-member or beneficial owner's first name. Length: 15 alphanumeric Keyword: F1 |
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MI |
The non-member or beneficial owner's middle initial. Length: 1 alphanumeric Keyword: M1 |
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Last |
The non-member or beneficial owner's last name. Keyword: L1 Length: 25 alphanumeric |
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Assign as Primary Joint / Assign as Primary Joint for Statements |
If adding a member or non-member relationship, the Assign as Primary Joint check box will appear. Select the Assign as Primary Joint check box to make this relationship name appear in the Primary Joint Owner field on the Contact Information tab. If statements include a joint owner name, then this relationship will also appear on the statement. If adding a beneficial owner, the Assign as Primary Joint for Statement check box will appear. If statements include a joint owner name, you should not select the Assign as Primary Joint for Statement check box as this will cause the beneficiary owner to appear on the business account statement. |
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Owner ID |
If the beneficial owner does not have a valid taxpayer ID number, you can enter an identification card number or a passport number in the Owner ID field. Length: 12 alphanumeric |
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Alien ID |
Select the Alien ID check box if the of number entered in the Owner ID field is an identification card number. Reporting Analytics: Alien ID (Joint Account Info subject in the Member Information folder) |
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Passport Nbr |
Select the Passport Nbr check box if the number entered in the Owner ID field is a passport number. Reporting Analytics: Passport Number (Joint Account Info subject in the Member Information folder) |
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Address Line 1 |
Line 1 of the non-member or beneficial owner's address. This field is optional. Length: 24 alphanumeric Keyword: A1 |
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Address Line 2 |
Line 2 of the non-member or beneficial owner's address. This field is optional. If the Address is Foreign check box is selected, this field must contain the foreign city's name. Length: 24 alphanumeric Keyword: A2 |
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City |
The city where the non-member or beneficial owner resides. If line 1 and/or line 2 of the address is entered, this field is required. If the Address is Foreign check box is selected, this field must contain the foreign country's name. Length: 18 alphanumeric Keyword: NC |
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State |
Click the down arrow to select the correct state abbreviation from the drop-down list. If line 1 and/or line 2 of the address is entered, this field is required. If the Address is Foreign check box is selected, enter the foreign country code in the State field. For Canada, enter the province code in the State field. Keyword: NS |
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Zip |
The postal ZIP Code for the address listed. For domestic addresses, the ZIP code must be either 5 or 9 digits. For foreign addresses, the ZIP code can be up to 10 characters. If the Address is Foreign check box is not selected:
If the Address is Foreign check box is selected:
Length: 9 numeric (10 alphanumeric if the Address is Foreign check box is selected.) Keyword: ZP Reporting Analytics: Foreign ZIP Code (All Joint Account Info subject in the Member Information folder) |
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Address is Foreign |
Select this check box if the address is foreign. If the Address is Foreign check box is selected, the foreign city's name must reside in the Address 2 field and the foreign country's name must reside in the City field. Enter the foreign country code in the State field. For Canada, enter the province code in the State field. Keyword: FF |
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The non-member or beneficial owner's email address. Click the Send icon to send an e-mail to the non-member e-mail address specified. Length: 50 characters Keyword: EA |
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Palm Authentication icons |
If your credit union is using Verifast Palm Authentication and the teller workstation is set up for palm scanning, a palm enroll icon will appear after you click Save. Click the palm enroll icon to enroll a non-member in Palm Authentication for the first time. If the non-member is already enrolled in Palm Authentication, the palm enroll icon and un-enroll icon will appear. Click the enroll icon to re-enroll the non-member by re-scanning his/her palm. You can un-enroll a non-member by clicking the un-enroll icon. If you receive an error during the enrollment process, a palm refresh icon will appear. Click the icon to refresh your screen and restart the enrollment process. |
The Last Changed Date and Teller fields indicate the last date a change was made to the account relationship information and the teller ID of the teller who made the change. Reporting Analytics: LST CHANGE DATE and LAST TELLER ID (All Joint Account Info subject in the Member Information folder)
Complete the following fields on the Contact Information tab.
| Field | Description |
|---|---|
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Phone Verification |
The credit-union defined name or code use for verification of account access. You can customize this field and make it a required field in New Members & Services using the Customized Fields window. Length: 25 alphanumeric Keyword: MM |
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Verification Hint |
The credit-union defined name or code used as a hint for the verification of account access. You can customize this field and make it a required field in New Members & Services using the Customized Fields window. Length: 21 alphanumeric Keyword: VH |
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Driver's License State |
Click the down arrow to select the correct state abbreviation to represent the state that issued the driver's license. Keyword: DS |
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Driver's License Number |
The driver's license number of the non-member or beneficial owner. Portico masks driver license numbers. You can click inside the field to show the driver license number. When you tab out of the field, the driver license number will be masked. The driver's license number will remain unmasked as long as the field has focus. Portico will log each time a user clicks inside a field to view a driver license number in the View Sensitive Data Audit report. Length: 17 alphanumeric Keyword: DL |
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ID Date of Issue |
Click the down arrow to select the ID issue date from the pop-up calendar or enter the date in MM/DD/YYYY format. |
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ID Expiration Date |
Click the down arrow to select the ID expiration date from the pop-up calendar or enter the date in MM/DD/YYYY format. |
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Gender |
Click the down arrow to select the gender of the non-member or beneficial owner. The recommended values are: B - Business C - Corporation D - Doing Business As F - Female M - Male O - Organization U - Unknown Keyword: SX |
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Click the down arrow to select the non-member or beneficial owner's birth date from the pop-up calendar or enter the date in MM/DD/YYYY format. Portico masks birthdates. You can click inside the field to show the birthdate. When you tab out of the field, the birthdate is masked. The birthdate will remain unmasked as long as the field has focus. Portico logs each time a user clicks inside a field to view a birthdate in the View Sensitive Data Audit report. When the Account Ownership field is a business type account (Agency, Business, Corporate, Non-Profit or Public Unit), Portico does not require you to specify a birth date in the Birth Date field on the Member Information - Ownership tab in New Members & Services or outside of New Members & Services on the Contact Information tab. However, FinCEN does require a birth date for each beneficial owner relationship. If the Business Account has Beneficial Owners check box is selected, you must remember to add a birth date for each beneficial owner. You can select a date in the Birth Date field in New Members & Services on the Eligibility Verification - Relationship Verification - Contact Information tab and Relationships - Contact Information tab, or outside of New Members & Services on the Contact Information tab on the Account Relationships dialog box. Keyword: DB |
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Home |
The non-member or beneficial owner's home telephone number. Length: 10 numeric Keyword: HP |
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Home Fax |
The non-member or beneficial owner's home fax number. Length: 10 numeric Keyword: HF |
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Cellular |
The non-member or beneficial owner's cell telephone number. Length: 10 numeric Keyword: CP |
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Work |
The non-member or beneficial owner's work telephone number. Length: 10 numeric Keyword: BP |
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Extension |
The non-member or beneficial owner's work extension. Length: 5 numeric Keyword: BX |
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Work Fax |
The non-member or beneficial owner's work fax number. Length: 10 numeric Keyword: BF |
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Pager |
The non-member or beneficial owner's pager telephone number. Length: 10 numeric Keyword: PN |
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Alternate 1 |
The non-member or beneficial owner's alternate telephone number. Length: 10 numeric Keyword: P1 |
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Alternate 2 |
The non-member or beneficial owner's alternate telephone number. Length: 10 numeric Keyword: P2 |
Complete the following fields to add or maintain the information on the Employer Information and Comments tab.
| Field | Description |
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Employer |
The name of the non-member or beneficial owner's employer. Length: 23 alphanumeric Keyword: EP |
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Select Employee Group ID |
The ID of the Select Employee Group (SEG) that the non-member or beneficial owner belongs to. Length: 10 alphanumeric Keyword: SI |
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Department Code |
The department, plant, or other employment location information. This field is credit union-defined. Length: 8 alphanumeric Keyword: DP |
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Occupation |
The non-member or beneficial owner's occupation. This field can be customized using the Customized Fields window. Length: 25 alphanumeric |
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NAICS Code |
Enter the North American Industry Classification Source Code. Click the PDF link next to the NAICS Code field to view the list of acceptable NAICS codes. If you used the Industry Classification field on the Ownership Information tab prior to the November 2012 release, the field value from the Industry Classification field will appear in the NAICS Code field. This information is included in the transmission to AML Compliance Manager. Length: 6 numeric Reporting Analytics: Business Code (All Joint Account Info subject in the Member Information folder) |
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Comments |
Credit-union defined comments about the non-member or beneficial owner. Length: 10 alphanumeric Keyword: C1-C9 |
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Information |
Credit union-defined information about the non-member or beneficial owner. Length: 25 alphanumeric Keyword: T1-T2 |
Click Save to retain the information for the Relationships tab.
Click New to add a new relationship. Click Delete to delete the relationship.
Click the Verification Processing icon button to screen a member’s account relationships using ID Verification. The name, address, phone number, driver’s license, and birth date from the Contact Information tab will automatically appear on the Verification Processing dialog box.
Click here to view the field help for the Member Information tab, Contact Information tab and Employer Information and Comments tab for a member relationship. Click here to view the field help for the Address group box for a member relationship.
To access the Account Relationships dialog box, users must be assigned to one of the following pre-defined security groups or you can create your own security groups. You can add these permissions to a credit union-defined security group using the Security Group Permissions – Update window.
| Permissions | Security Groups |
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| MbrInfo - Member/Non-Member Relationship Information - View Only |
Teller - Basic Teller - Advanced Member Services - User |
| MbrInfo - Member/Non-Member Relationship Information - Maintain |
Teller - Advanced Member Services - User |
General Ledger Effects: none | Related Reports: Non-Financial Transaction Register Report 030 (if maintained)
Portico Host: 14N/14X