IDCheck — Shared Branch
IDCheck Shared Branch — Stronger Security
IDCheck Shared Branch is a product to help verify and prove a member's identity to effectively fight account takeover, identity theft and fraud.
Beginning May 1, 2025, IDCheck will be required to verify Guest Members with out-of-state IDs attempting to withdraw from their account.
When Is IDCheck Required?
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IDCheck is only required for withdrawals and negotiable instrument purchases.
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If the member’s ID is from a different state than where the transaction is taking place, you must use IDCheck.
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Guest Members using a Passport as their ID must be scanned through IDCheck.
Exceptions
IDCheck is required for all withdrawals involving an out-of-state ID. Guest Members may only withdraw without IDCheck in exceptional situations:
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The Guest Member has technical limitations preventing IDCheck use, such as being unable to scan the QR code or lacking facial recognition on their device (e.g., flip phone).
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The Guest Member has accessibility issues, such as visual or physical impairments, that hinder the use of IDCheck.
In such circumstances, the traditional validation method can be used with a limited withdrawal amount of $200. THIS IS NON-NEGOTIABLE and serves to protect the credit unions and members from potential fraud.
When a military ID is presented, the traditional verification method can be used, and the limited withdrawal amount of $200 will not apply.
Visual representation of how it works: IDCheck Images
FAQs
- Do I still need to record the ID information on the back of the receipt?
- Yes. You must still document the ID on the back of the receipt even when using IDCheck.
- Yes. You must still document the ID on the back of the receipt even when using IDCheck.
- Does this apply to our own members making withdrawals in our branch?
- No. For our own members, you do not need to run their out-of-state ID through IDCheck.
- No. For our own members, you do not need to run their out-of-state ID through IDCheck.
- Can a member update their information after it's saved?
- Yes. Each time a stored member starts the IDCheck process, they’ll have the chance to review and edit their previously entered information.
- Yes. Each time a stored member starts the IDCheck process, they’ll have the chance to review and edit their previously entered information.
- Can we use IDCheck on in-state withdrawals if we choose?
- Yes. While only required for out-of-state IDs, using IDCheck for in-state withdrawals is allowed at the branch’s discretion. If you suspect the person may be giving you false identification, you are encouraged to use IDCheck.
- Yes. While only required for out-of-state IDs, using IDCheck for in-state withdrawals is allowed at the branch’s discretion. If you suspect the person may be giving you false identification, you are encouraged to use IDCheck.
- Do Guest Members need to rescan their ID and take a selfie every time for out-of-state withdrawals?
- No. Their ID and selfie remain valid as long as the ID hasn’t expired and they’re using the same device they used to set up IDCheck.
- No. Their ID and selfie remain valid as long as the ID hasn’t expired and they’re using the same device they used to set up IDCheck.
- Will we receive training?
- Yes. Training will occur during the April branch meeting.
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