Adding a Non-Member Relationships
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The Account Relationships dialog box lets you enter demographic information for a non-member relationship associated with a member account.
From the Relationships tab, click the new relationship icon button on to display the Account Relationships dialog box and add a new relationship. If the account is a share or certificate, click the ellipsis (…) icon button or the member icon button in the Co-Owner/Relationship Account List grid to display the Account Relationships dialog box for an existing relationship. If the business account has a beneficial owner, click the beneficial owner icon button in the Co-Owner/Relationship Account List grid to display the Account Relationships dialog box for an existing beneficial owner.
How do I? and Field Help
Complete the following fields to add a relationship to the account.
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Select this checkbox if the individual does not have a tax ID number. The system assigns the next available tax ID placeholder number. When you select the check box, Portico disables the taxpayer ID and type fields. |
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Taxpayer ID Type |
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, a warning message 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. When you click Save, Portico partially masks taxpayer ID numbers. If you are 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, 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. Length: 9 numeric Keyword: TI or JS Reporting Analytics: TIN Flag (All Joint Account Info subject in the Member Information) |
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Account Indicator |
The ownership type on the associated account. The valid values are:
If the Business Account has Beneficial Owners check box is selected on the Contact Information tab or Member Verification tab in New Members & Services, Portico will limit the valid options available. For the Account Indicator field, the valid options are: Agency (A), Business (B), Corporate (C), and Individual (I). Keyword: AI |
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Relationship Indicator |
The individual's relationship to the member account. The valid values are:
If the Business Account has Beneficial Owners check box is selected on the Contact Information tab or Member Verification tab in New Members & Services, Portico will limit the valid options available. For the Relationship Indicator field, the valid options are:
If the business account has authorized signers, add the authorized signers first. Then, select the Business Account has Beneficial Owners check box, and add the beneficial owners. To view the valid values based on account type, refer to the Account Relationships Table. Keyword: RI |
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Acct Authorized For |
Click the down arrow to select the share, loan or certificate type and corresponding description of the associated account. Keyword: AT and AN |
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CU Use |
A credit union-defined customized field. This field can be customized using the Customized Fields window. Keyword: CP |
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Priority |
The priority of the account relationship. This is a credit union-defined field. Any value between 01 and 99 is valid, where 01 is the highest priority and 99 is lowest priority. When the account has multiple joint owners within the same relationship/derived group, the priority can be used to determine the joint name that appears in the account listing and in documents generated through Document Preparation. Portico determines the name using the following criteria:
When a business account has multiple beneficial owner relationships within the same relationship/derived group, the priority can be used to determine the name that appears in documents generated through Document Preparation. Portico determines the name using the following criteria:
Length: 2 numeric Reporting Analytics: Joint Owner Priority (All Joint Cross Reference subject in the Member Information folder) |
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Prong |
The type of relationship associated with the business account. For the ownership relationship, select Ownership from the Prong drop-down list. For the control relationship, select Control from the Prong drop-down list. This field appears if the Business Account has Beneficial Owners check box is selected on the Contact Information tab or Member Verification tab in New Members & Services. If the same individual is both the control prong and ownership prong, you must add two account relationships for the individual. The Account Indicator field can be the same, but the Relationship Indicator field must be different. For example, John Member is both the control prong and ownership prong for a business. The Account Indicator field can be Individual for both the control prong record and ownership prong record. If the Relationship Indicator field for the control prong record is Ultimate Beneficial Owner, the Relationship Indicator field for the ownership prong record must be different. Multiple individuals can be set up with a control prong relationship. Multiple individuals can be set up with an owner prong relationship using the % field to indicate the percentage of ownership (25%, 50%, etc.). Reporting Analytics: Owner Prong Type (Joint Cross Reference subject in the Member Information folder) |
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Percentage or % |
For a beneficiary relationship, this is the percentage of the account funds that the beneficiary on the account will receive. For the ownership prong of a beneficial owner relationship, enter the percentage of ownership in the % field. The % field appears if the Business Account has Beneficial Owners check box is selected on the Contact Information tab or Member Verification tab in New Members & Services. Valid option are 000-100. Length: 3 numeric |
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Title |
The title for the beneficial owner. The default list of valid values are: Chief Executive Officer, Chief Financial Officer, Chief Operating Officer, General Partner, Managing Partner, President, Treasurer, or Vice President. You can customize this field and make it a required field in New Members & Services using the Customized Fields window. A title must be selected for the beneficial owner if the Prong field is Control. This field appears if the Business Account has Beneficial Owners check box is selected on the Contact Information tab or Member Verification tab in New Members & Services. Reporting Analytics: Title (Joint Cross Reference subject in the Member Information folder) |
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Role Assignment Date |
The day your credit union certified the role of the individual associated with the business account. Click the down arrow to select the date from the pop-up calendar or enter the date in MM/DD/YYYY format. This field appears if the Business Account has Beneficial Owners check box is selected on the Contact Information tab or Member Verification tab in New Members & Services. Reporting Analytics: Role Assignment Date (Joint Cross Reference subject in the Member Information folder) |
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Relationship Dates Start |
The time period the beneficial owner has a relationship with the business account. The Start Date field will default to the current date, but can be changed to a date in the past. Click the down arrow to select the date from the pop-up calendar or enter the date in MM/DD/YYYY format. This field appears if the Business Account has Beneficial Owners check box is selected on the Contact Information tab or Member Verification tab in New Members & Services. Reporting Analytics: Relationship Start Date (Joint Cross Reference subject in the Member Information folder) |
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Relationships Dates End |
The time period the beneficial owner has a relationship with the business account. The End Date field can be left blank or a date in the future when you know the relationship will end. Click the down arrow to select the date from the pop-up calendar or enter the date in MM/DD/YYYY format. This field appears if the Business Account has Beneficial Owners check box is selected on the Contact Information tab or Member Verification tab in New Members & Services. Reporting Analytics: Relationship End Date (Joint Cross Reference subject in the Member Information folder) |
Click the right arrow to add the relationship to the Relationships grid. Click the left arrow to remove the co-owner to the Relationships grid.
The Relationships grid contains the following information:
| Column Heading | Description |
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| Delete |
To delete a relationship, select the Delete check box next to the relationship you wish to remove, then click Save. Select the check box in the column heading to select all the relationships. |
| Account Indicator |
The ownership type on the associated account. The valid values are:
If the Business Account has Beneficial Owners check box is selected on the Contact Information tab or Member Verification tab in New Members & Services, Portico will limit the valid options available. For the Account Indicator field, the valid options are: Agency (A), Business (B), Corporate (C), and Individual (I). Keyword: AI |
| Relationship Indicator |
The individual's relationship to the member account. The valid values are:
If the Business Account has Beneficial Owners check box is selected on the Contact Information tab or Member Verification tab in New Members & Services, Portico will limit the valid options available. For the Relationship Indicator field, the valid options are:
If the business account has authorized signers, add the authorized signers first. Then, select the Business Account has Beneficial Owners check box, and add the beneficial owners. To view the valid values based on account type, refer to the Account Relationships Table. Keyword: RI |
| Account ID | The share, loan or certificate type and corresponding description of the associated account. |
| CU |
A credit union-defined customized field. This field can be customized using the Customized Fields window. Keyword: CP |
| % |
For a beneficiary relationship, this is the percentage of the account funds that the beneficiary on the account will receive. For the ownership prong of a beneficial owner relationship, enter the percentage of ownership in the % field. The % field appears if the Business Account has Beneficial Owners check box is selected on the Contact Information tab or Member Verification tab in New Members & Services. Valid option are 000-100. Length: 3 numeric |
| Pri |
The priority of the account relationship. This is a credit union-defined field. Any value between 01 and 99 is valid, where 01 is the highest priority and 99 is lowest priority. When the account has multiple joint owners within the same relationship/derived group, the priority can be used to determine the joint name that appears in the account listing and in documents generated through Document Preparation. Portico determines the name using the following criteria:
When a business account has multiple beneficial owner relationships within the same relationship/derived group, the priority can be used to determine the name that appears in documents generated through Document Preparation. Portico determines the name using the following criteria:
Length: 2 numeric Reporting Analytics: Joint Owner Priority (All Joint Cross Reference subject in the Member Information folder) |
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Prong |
The type of relationship associated with the business account. For the ownership relationship, select Ownership from the Prong drop-down list. For the control relationship, select Control from the Prong drop-down list. This field appears if the Business Account has Beneficial Owners check box is selected on the Contact Information tab or Member Verification tab in New Members & Services. If the same individual is both the control prong and ownership prong, you must add two account relationships for the individual. The Account Indicator field can be the same, but the Relationship Indicator field must be different. For example, John Member is both the control prong and ownership prong for a business. The Account Indicator field can be Individual for both the control prong record and ownership prong record. If the Relationship Indicator field for the control prong record is Ultimate Beneficial Owner, the Relationship Indicator field for the ownership prong record must be different. Multiple individuals can be set up with a control prong relationship. Multiple individuals can be set up with an owner prong relationship using the % field to indicate the percentage of ownership (25%, 50%, etc.). Reporting Analytics: Owner Prong Type (Joint Cross Reference subject in the Member Information folder) |
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Title |
The title for the beneficial owner. The default list of valid values are: Chief Executive Officer, Chief Financial Officer, Chief Operating Officer, General Partner, Managing Partner, President, Treasurer, or Vice President. You can customize this field and make it a required field in New Members & Services using the Customized Fields window. A title must be selected for the beneficial owner if the Prong field is Control. This field appears if the Business Account has Beneficial Owners check box is selected on the Contact Information tab or Member Verification tab in New Members & Services. Reporting Analytics: Title (Joint Cross Reference subject in the Member Information folder) |
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Start |
The time period the beneficial owner has a relationship with the business account. The Start Date field will default to the current date, but can be changed to a date in the past. Click the down arrow to select the date from the pop-up calendar or enter the date in MM/DD/YYYY format. This field appears if the Business Account has Beneficial Owners check box is selected on the Contact Information tab or Member Verification tab in New Members & Services.Reporting Analytics: Relationship Start Date (Joint Cross Reference subject in the Member Information folder) |
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End |
The time period the beneficial owner has a relationship with the business account. The End Date field can be left blank or a date in the future when you know the relationship will end. Click the down arrow to select the date from the pop-up calendar or enter the date in MM/DD/YYYY format. This field appears if the Business Account has Beneficial Owners check box is selected on the Contact Information tab or Member Verification tab in New Members & Services. Reporting Analytics: Relationship End Date (Joint Cross Reference subject in the Member Information folder) |
To display the Associated Accounts dialog box and view the relationships the member has with any other account at the credit union, click the Associated Accounts icon button.
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.
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The non-member or beneficial owner's short name. Length: 20 alphanumeric Keyword: NM |
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The non-member or beneficial owner's first name. Length: 15 alphanumeric Keyword: F1 |
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The non-member or beneficial owner's middle initial. Length: 1 alphanumeric Keyword: M1 |
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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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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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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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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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Line 1 of the non-member or beneficial owner's address. This field is optional. Length: 24 alphanumeric Keyword: A1 |
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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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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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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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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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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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| 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.
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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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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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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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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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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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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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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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The non-member or beneficial owner's home telephone number. Length: 10 numeric Keyword: HP |
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The non-member or beneficial owner's home fax number. Length: 10 numeric Keyword: HF |
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The non-member or beneficial owner's cell telephone number. Length: 10 numeric Keyword: CP |
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The non-member or beneficial owner's work telephone number. Length: 10 numeric Keyword: BP |
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The non-member or beneficial owner's work extension. Length: 5 numeric Keyword: BX |
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The non-member or beneficial owner's work fax number. Length: 10 numeric Keyword: BF |
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The non-member or beneficial owner's pager telephone number. Length: 10 numeric Keyword: PN |
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The non-member or beneficial owner's alternate telephone number. Length: 10 numeric Keyword: P1 |
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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.
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The name of the non-member or beneficial owner's employer. Length: 23 alphanumeric Keyword: EP |
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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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The department, plant, or other employment location information. This field is credit union-defined. Length: 8 alphanumeric Keyword: DP |
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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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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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Credit-union defined comments about the non-member or beneficial owner. Length: 10 alphanumeric Keyword: C1-C9 |
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Credit union-defined information about the non-member or beneficial owner. Length: 25 alphanumeric Keyword: T1-T2 |
Click Save to save your changes. You can add up to 50 relationships to a single taxpayer ID number before you click Save. Click Cancel to disregard your changes.
The name of the primary joint owner appears at the top of the dialog box.
Click New to add a new account relationship.
Click Delete to delete all the relationships listed in the Relationships grid.
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.
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 |
none | Non-Financial Transaction Register Report 030 (if maintained)
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