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All of your updated account numbers and member number will be presented to you. To see your new account numbers and member number, log into CU Online or access your accounts using the FORUM mobile app (iPhone, Android).

When conducting a transaction in a FORUM branch location, we are able to look up your member number and all account numbers using your name and other personal identification processes (verifying your driver’s license, for example). When accessing your account via mobile or CU Online, knowing your account number is not necessary. As a FORUM member, you will have various accounts (savings, checking, loans) that will be identified with account numbers. This has been welcomed by many members as a viable option for this scenario.Įach person has a “member number” to identify you as a member. With the new system, we do have a form that can be signed by the owner of the loan granting viewing and payment making access to the others not on the loan. One of the most member common concerns with the person-based system has involved loan viewing and making loan payments for members who are not on the loan but who are accustomed to seeing it and having the ability to make a payment on the loan because they were joint on the base account on the old system. When you log in to internet banking or your mobile app to see your accounts, you are viewing all of the accounts in which you are an owner. In a person-based system, there are no sub-accounts.

This type of structure created concerns from both compliance and member perspectives.

Sub-accounts can include accounts like checking, special savings, money markets, certificates, Individual Retirement Accounts (IRA) and loans. This means that if a person has a joint base account, then both parties can see all of the sub-accounts underneath the base even if they are not an owner on these sub-accounts. In an account-based system, information is shared based on a base account, which is often linked to various sub-accounts beneath the base. Person-based systems allow members to see all of the accounts in which they are an owner at the institution in a single location.

Forum credit union fake bank statement free#

Please feel free to contact us if you need any further information.Modern banking systems have become person-based to meet compliance requirements, but more importantly, to provide additional security.

Forum credit union fake bank statement how to#

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Forum credit union fake bank statement download#

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