About MemberPass2020-10-19T10:31:22-06:00

About MemberPass

What is MemberPass and how can it benefit me?

MemberPass is a new form of account authentication all done through your digital device. This authentication uses “bio-metrics”—individual features including fingerprint or facial recognition to confirm your identity. The combination of these enhancements result in authentication that is very efficient and highly secure to use. Benefits include:

– Offers full control of your personal information, on your own device, with each interaction.
– Removes the need for using or others handling your physical identification.
– Provides a single verification method for your interactions with our Branch and Contact Center teams.

How does MemberPass work?

– MemberPass is established through the digital wallet app, called “MemberPass.”
– After you are connected to the app, you can receive the MemberPass credential.
– The digital wallet stores your MemberPass credentials; there is no information stored with your credit union.

Is a digital device required to use MemberPass?

– Yes; your digital device needs to provide access through bio-metrics (facial or fingerprint recognition).
– The MemberPass app is also secured with bio-metric access; MemberPass stays secure if your phone is lost or stolen.

Is my information secure if I lose my digital device?

Your personal information in MemberPass remains encrypted within the MemberPass; your individual bio-metric identifications are secure and protected.

Does my credit union use an outside company to offer MemberPass?

MemberPass is provided from a credit union service organization called “CULedger,” on behalf of your credit union; This technology is built upon globally accepted standards designed to protect consumer privacy in all digital exchanges.

Can MemberPass be removed for my account authentication at any time?

Yes. Simply contact your credit union and a team representative will assist you.

How do I enroll in MemberPass?

You have two options:
– Visit any Branch Location
– Call your credit union’s contact center, available 24/7.

Key Benefits of MemberPass Include:

MemberPass makes the member identity verification process faster, more efficient, and more friction-less than ever before.

MemberPass protects both you and your Credit Union from identity theft and fraud in all financial interactions – from call center authentication, to lending, branch visits, and more.

MemberPass is a simple and secure replacement for identity verification questions, like your account number, birthday and social security number, making your experience convenient and stress-free.

MemberPass protects both you and your Credit Union from identity theft and fraud in all financial interactions – from call center authentication, to lending, branch visits, and more.

MemberPass will seamlessly authenticate both you and SIU Credit Union through one verification method, which provides you an easy-to-use experience to help you safely manage your finances.

Other MemberPass FAQ

Does my credit union need to set up and maintain a node on the distributed ledger network?2020-09-28T13:33:11-06:00

No, credit unions are not required to establish and maintain a node on the network. CULedger is a Steward on the Sovrin Network and operates a node on behalf of all credit unions.

Is there anything else like MemberPass in the market today?2020-09-28T12:35:02-06:00

There truly isn’t anything like MemberPass in the market today. Other identity-related products have a central authority between the credit union and the member, can contain outdated security features, like SMS text messaging, are geared toward a channel-specific use case and not across all channels (current and future), and don’t allow the consumer to own and control their personal information. Barclays predicts that by 2022, 40% of all customer interactions will be based on self-sovereign identity. MemberPass was developed by credit unions for credit unions and their members, keeping their privacy and safety interests in mind.

Are there any issues with the cell phone carriers accepting short codes from text messages, like the one that is sent to the member during enrollment?2020-10-07T08:09:22-06:00

We have become aware of this issue with the carrier, T-Mobile. During enrollment, the member will need to call T-Mobile to unblock the shortcode to they can install the MemberPass app on their phone. This applies to cell phone uses who may be on corporate plans or who have explicitly turned on a blocking feature to prevent the delivery of SMS text messages from shortcodes.

How long does it take to implement MemberPass?2020-09-28T12:34:51-06:00

The average standard implementation time frame is 8-12 weeks.

Are there any device or operating system limitations for downloading the MemberPass app?2020-10-07T08:59:36-06:00

Yes, 32-bit Android and Apple devices and 32-bit operating systems are not supported by the MemberPass app. When end users attempt to download the MemberPass app, they will see an error that reads “Your device isn’t compatible with this version.” There are a variety of 32-bit devices and operating systems in the market, but overall, the number is very low.

Our credit union is considering implementing voice biometrics into our call center. How does voice biometrics compare with MemberPass?2020-09-28T12:34:37-06:00

There are four differentiating factors that makeds MemberPass different from voice biometric solutions used in the call center.
1. MemberPass provides two-way, bi-directional communication assurances. Not only is MemberPass effective for the credit union to identify their members’ identity, but your members can trust they are speaking with your credit union when you call without the fear of being spoofed.
2. Voice biometrics is only effective in one channel—the call center. MemberPass works across all of your channels.
3. The member does not control or decides when or how to share their digital ID.
4. Voice biometrics only works for the credit union that uses it or contracts for the service. Other credit unions can have the opportunity to utilize a MemberPass credential issued by another credit union in the case of shared branching, making it interoperable.

We understand that MemberPass is more secure as a result of the use of distributed ledger technology; however, how will it protect against the compromise of personally identifiable information (PII); isn’t PII involved when a member is enrolled in MemberPass?2020-09-28T13:31:08-06:00

It is not stored in a central database that could be hacked or otherwise accessed by others. And because the member’s biometrics is used to unlock their MemberPass digital identity wallet app, only the member can access and use the MemberPass digital identity. A permissioned-based distributed ledger is a central part of a self-sovereign identity network. There is no personal identifiable information that is ever stored on the distributed ledger. The information that is stored is about the issuing credit union: the public decentralized identifiers or DIDs, schema/credential definitions, and revocation information.

Are there audit logs available for the credit union to have access to showing the members’ MemberPass responses?2020-09-28T12:34:18-06:00

The credit union receives the cryptographic response from the member that can be stored to meet their needs. CULedger does not currently keep a record of this information.

Can you talk more about the partnership with Evernym?2020-09-28T13:30:25-06:00

Evernym is CULedger’s technology partner that created the user/member interface for MemberPass and integration with the Sovrin Network, which is a global distributed ledger (or blockchain) designed exclusively to support digital trust networks and verifiable digital credentials. Evernym provides both the credit union’s and member’s agent software stack.

How does MemberPass protect against SIM swapping?2020-09-28T12:33:55-06:00

Because MemberPass uses an out-of-band data channel that is tied to the device with a secured, encrypted connection, if your phone’s SIM is ported or swapped, the thief will not have the secure encrypted connection. The only time SIM porting is a risk is during onboarding—when the member receives the text message to download the MemberPass app. However, there is a very short time window (seconds) where we are dependent on the SIM/phone number.

I am not a developer and the documentation appear to be geared toward developers. While I am sure they will be helpful to aid in an implementation, what technical documentation can you provide that gives details on the platforms design and operations?2020-09-28T13:29:45-06:00

We have created a product implementation guide (PIG) that aids the MemberPass implementation process and provides technical support for the core platforms we have integrations with.

Can you speak to the problem of “the weakest link” in the authentication process? For example, what if a credit union issues a bad actor a MemberPass?2020-09-28T12:33:32-06:00

The issuance of MemberPass relies on the credit union’s KYC, customer identification processes to determine whether or not a member should have a MemberPass digital identity. The weakest link will always be a human mistake in the process.

Are there any plans to integrate with mobile banking providers?2020-09-28T13:27:59-06:00

We are working with some of the key mobile application providers like NCR/Digital Insight, Alkami, Q2, and others to allow credit unions to use the MemberPass digital identity wallet inside their applications.

How much does MemberPass cost?2020-09-28T12:33:17-06:00

We are happy to provide your credit union with a proposal and a customized ROI model upon request.

Can we integrate the MemberPass digital identity app with our credit union’s proprietary mobile app?2020-09-28T13:27:00-06:00

Yes, the new MemberPass-branded app features an embedded wallet SDK (software development kit), which will allow your proprietary mobile app to become a digital identity wallet. This means your credit union can authenticate and securely message your members directly from your mobile app. Our API, which can be found here by requesting our developer kit, and a software development kit (SDK) that are useful for a custom online banking integration. We can send you the developer kit directly as well.

Are there any plans to integrate into core platforms?2020-09-28T13:15:55-06:00

Yes, we currently have integrations with Symitar’s Episys, Corelation/Keystone, FIS Miser, and Fiserv DNA and have plans to expand into other core platforms. TruWest Credit Union deployed MemberPass into its call center without a core integration. To learn more about TruWest Credit Union’s unique implementation, please contact us.

Do you have a list of references of existing customers?2020-09-28T12:33:00-06:00

Yes. We are more than happy to share a reference list with you upon request.

Why is a core integration necessary?2020-09-28T13:14:31-06:00

The core processor houses the record that indicates if a member has been enrolled with MemberPass and has a digital ID credential. If the member is not enrolled, the enrollment function would not appear on the teller screen. We are not dependent on the core so long as there is a place that determines whether or not a member has been enrolled with MemberPass.

Do you have a vendor integration roadmap?2020-09-28T12:30:32-06:00

Yes, we are currently working on a vendor integration roadmap and will make it available in Q3 and upon request.

How is MemberPass different from text verification?2020-10-07T08:10:17-06:00

Traditional SMS text identity verification has been proven to be insecure (and not recommended by US NIST) as it can be intercepted by fraudsters. The MemberPass digital identity is a highly secure, cryptographically signed credential that is issued to each member by a credit union. The process of issuing this digital identity uses SMS/text or QR codes to initially invite the member to download the MemberPass digital wallet app onto their smartphone.
During the enrollment process which is initiated by the credit union, the member will accept the MemberPass credential over a highly secured and encrypted connection between the credit union and each member and use it to validate the member’s MemberPass digital identity. In the future, this secure, encrypted connection feature will allow secure messaging between the credit union and the member.

Our credit union is using an e-notary and e-closing capability for our mortgage loans more than ever. Do you envision this replacing traditional notary services in the future?2020-09-28T12:29:57-06:00

It is possible MemberPass could replace e-notary services in the future. We are working with those providers to explore integration opportunities. The MemberPass digital identity comes with an audit trail feature automatically and all transactions are date/time stamped.

My credit union wants to implement MemberPass, but we have other projects that need to occur before we can begin the MemberPass project. Are there any steps we can take now to get started that may shorten the implementation time once we are ready to begin?2020-09-28T12:56:02-06:00

Yes! The first step is getting your credit union registered in the MemberPass Trust Registry, which establishes your credit union’s unique public identifier on the Sovrin Global Identity Network. This public identifier, or decentralized ID, is like the credit union’s public domain and will be how a credit union is recognized in the decentralized identity ecosystem. Visit www.memberpasstrustregistry.com to get started.

We understand that the portability of the credential is an important differentiator of MemberPass; however, we do not participate in shared branching, so why would portability be important to our credit union?2020-09-28T13:45:22-06:00

The member’s personal information is encrypted and stored in a secure location on their mobile device. It is not stored in a central database that could be hacked or otherwise accessed by others. And because the member’s biometrics is used to unlock their MemberPass digital identity wallet app, only the member can access and use the MemberPass digital identity. A permissioned-based distributed ledger is a central part of a self-sovereign identity network. There is no personal identifiable information that is ever stored on the distributed ledger. The information that is stored are about the issuing credit union: the public decentralized identifiers or DIDs, schema/credential definitions and revocation information.

Can this be used with ITM technology?2020-09-28T12:29:41-06:00

Yes, MemberPass can be used and integrated with ITM technology.

What use cases have credit unions implemented first?2020-09-28T12:55:49-06:00

Credit unions that are implementing MemberPass have started with the call center channel as it has seen an increase in fraud.

Is the member’s digital ID portable? i.e. Will they be able to take their MemberPass with them if they leave the credit union or move?2020-10-07T09:00:05-06:00

The MemberPass digital identity wallet is portable and they can take it with them as it will remain on the member’s smart phone until they delete it. However, the MemberPass credential issued by your credit union may not be. Your credit union is able to disable the MemberPass credential if a member leaves your credit union.

Are any of the credit unions currently using this solution at their ATMs and can MemberPass replace PINs at ATMs?2020-09-28T12:29:20-06:00

Currently, there are no credit unions using MemberPass at their ATMs, but we have many who have expressed interest in that particular use case, even to the extent of going completely cardless and using MemberPass to facilitate a transaction.

If a true fraud attempt occurs in the call center, what happens?2020-09-28T13:07:27-06:00

If a call center fraud attempt happens, the actual member will get a message on their phone asking if they are on the phone with their credit union. If they say “no,” the MemberPass digital identity wallet will transmit a response, a big red “X” will appear on the MSR’s screen and the transaction/call will end.

How would the MemberPass digital ID work in conjunction with our call center relationships such as PSCU or Coop? Are they connected into these networks directly or do they work through us?2020-09-28T12:29:06-06:00

PSCU is one of our investors and we have been working with them very closely on integrating MemberPass into their call center operations. There will be more details available about this integration opportunity with PSCU in the coming year ahead.

Will training be provided for my staff?2020-09-28T12:55:42-06:00

CULedger will provide training materials that can be used as-is or modified to suit the needs of your credit union. Onsite training is available upon request and for an additional charge.

How many current use cases are there?2020-09-28T12:54:05-06:00

Three: call center, branch lobby, and drive up. The list of use cases continues to grow as more credit unions become involved with deploying MemberPass to their members.

Would the same MemberPass digital ID be used for multiple member numbers?2020-10-07T09:00:17-06:00

Yes, a MemberPass digital identity can be used for multiple accounts under one member.

Are any credit unions using MemberPass in their digital channels?2020-09-28T12:28:54-06:00

While we don’t have any credit unions currently deploying MemberPass inside of their own mobile banking application, we have received interest from credit unions to pursue this capability. We are working with multiple mobile banking providers to develop standard integrations of MemberPass.

What type of marketing assistance do you provide for credit unions?2020-09-28T12:55:39-06:00

We have a marketing deployment toolkit to assist the credit unions with promoting MemberPass to your members. This marketing deployment tool kit includes templates for items like statement inserts, table tents, brochures, buck slips, banner, and more.

If I have accounts at different credit unions or banks, do I need a different MemberPass for each account or will one work for all of them?2020-10-07T09:00:37-06:00

MemberPass is a digital identity that will be issued by credit unions only. Members may have more than one MemberPass in their digital identity wallet if they belong to more than one credit union. The MemberPass digital identity wallet will allow the member to determine the source of truth (or the issuer) to vouch for a certain identity attribute that is being requested by a verifier.

Can a member utilize MemberPass on an iPad?2020-11-03T11:55:17-07:00

No, iPads do not currently support the MemberPass app.

What will be the frequency of implementation meetings?2020-09-28T12:55:34-06:00

We recommend having recurring weekly calls but are open and flexible to accommodate your credit union’s needs.

What if the member wants to delete their MemberPass?2020-09-28T13:05:32-06:00

The member can delete their MemberPass by contacting your credit union or by deleting the MemberPass app from their device. When the member deletes their MemberPass app, all of their personal information will be permanently removed from their device and they will no longer be able to use their MemberPass. If the member wants to move their MemberPass to another phone, they should follow the instructions in “What happens if the member gets a new phone?”.

Can members use their MemberPass in other places outside of the credit union?2020-10-06T14:07:22-06:00

Portability and interoperability are two important features that make MemberPass unique and gives your members freedom to use their digital identities anywhere and not just your credit union and regardless if your credit union participates in a shared branching network. In the future, your member will be able to use their MemberPass for things outside of the credit union, like an employer or government.

Will I have a project manager from CULedger?2020-09-28T12:55:30-06:00

Yes, CULedger will assign a project manager to work with your credit union’s project manager.

Does MemberPass have a backup capability in the event a member’s phone is lost or stolen?2020-10-07T08:59:16-06:00

MemberPass can be backed up and restored using your iOS or Android device backup capability. This device-level backup uses the security embedded in iOS and Android to protect it from misuse.

Who is involved on a project team?2020-09-28T12:55:25-06:00

The project team should consist of a mix of cross-functional team members to ensure the success of your MemberPass deployment, such as project management, technical support, quality assurance, info security team, risk management, training, and marketing, to name a few.

What happens if the member gets a new phone?2020-09-28T13:03:54-06:00

If a member informs you they have a new phone, you just need to unenroll their MemberPass and enroll them again with their new phone. In the future, the member will be able to transfer their MemberPass to a new phone by using the backup and restore process.

Where is my MemberPass stored?2020-10-06T14:09:33-06:00

The MemberPass digital ID is securely stored in a separate digital credential wallet/app on the member’s smart device. Some credit unions, however, may integrate this digital credential wallet function into their own mobile banking app.

What can the member expect during the enrollment process?2020-10-07T09:02:39-06:00

The enrollment process for the member is quick and easy. Most credit unions are choosing to educate the member in the call center or branch and asking them to download the app at that time. They walk them through the download, connection, and authentication process so the member feels comfortable with what to expect the next time they interact with the credit union. Early credit union adopters of MemberPass are surveying their members about the experience and receiving feedback, such as 87% of members reported the process is “very easy” and the members plan to use the credential in the future.

What happens if the member loses their phone?2020-10-07T09:01:10-06:00

If the member loses their phone, their personal information in MemberPass remains encrypted and protected. Many phone handsets come with a remote erase function. We recommend that the member follows your device manufacturer’s instructions to do this. Search for “Remote erase [handset] lost phone”. The member should also report their phone lost to their carrier/mobile network provider and your credit union.
However, since MemberPass is stored securely on your phone and requires your biometrics to access and share their credential, anyone else who intercepts your phone will not be able to steal their MemberPass digital ID. If the member didn’t back up their MemberPass, they can notify your credit union to unenroll their original MemberPass and issue a new one.

What is the adoption or sign-up rate for the CU’s currently using the MemberPass service?2020-09-28T12:55:19-06:00

As of right now, we have a number of credit unions that are coming out of their pilot programs, which were focused on a specific use case, and now expanding into other areas within their organization and to their membership. As of September 2020, we have more than 8,000 MemberPass digital IDs in live production.

How does MemberPass handle multiple owners related to an account?2020-10-06T14:02:33-06:00

The way multiple owners are set up with an account depends on your credit union’s core processing system. MemberPass supports this in several different ways but the integration is on the core side. For Symitar as an example, the credit union can treat each phone number and the relationship with the member, be it a primary or joint, as their own entity. If a joint member calls or comes in requesting information about their account, the credit union can ask for the account number and then the teller is able to select who is being authenticated (primary number or joint number) via MemberPass. That lets the credit union know who they are supposed to be speaking with and then tailor what information that member is are allowed to access.

Where can I use my MemberPass?2020-10-06T14:09:43-06:00

Currently you can use MemberPassTM at any participating credit union any time you interact with your credit union whether you log in online to access your accounts, visit a branch or call into the call center.   

In the future, you will be able to use your MemberPassTM for things outside of the credit union, like an employer or government.

How long does it take to implement MemberPass?2020-09-28T12:53:26-06:00

The average standard implementation time frame is 8-12 weeks.

Who has access to the member’s personal information?2020-11-03T11:33:40-07:00

Only the member has access to their MemberPass personal information. MemberPass allows the member to manage who they share their identity with; ensure the member is sharing their identity with the intended recipient (i.e., they are sharing with your credit union versus a bad actor imitating your credit union); and store their digital credential on their secure device and never in a central database subject to compromise.

MemberPassTM puts the member in control. The member is the only one in control of their identity information and share it only when giving their permission. And only the intended recipient can access information from the member’s MemberPass.

Who can own a MemberPass?2020-11-03T11:34:26-07:00

MemberPass can be owned by individuals, small businesses, or any organization of any form that has a membership with an issuing credit union. 

What is MemberPass?2020-10-06T14:16:16-06:00

MemberPass is a digital ID held by credit union members that protects credit unions and their members from identity theft and fraud in all banking interactions, from call center authentication to lending to new account opening. MemberPass is a simple, secure replacement for traditional knowledge-based interrogation contact centers employ today to authenticate members calling for call center services. MemberPass seamlessly authenticates both, the member and the credit union to each other, in any call-in, drive-up or walk-in exchange, providing a consistent, frictionless experience across all channels.

What were the objectives for the pilot program?2020-09-28T12:53:22-06:00

Our Fall 2019 pilot projects were intended to provide early proof points of use cases, member experience, and technology readiness. We received positive credit union and member feedback in all three areas, which is why MemberPass is now commercially available to any credit union wanting to create a safer member experience.

Where is the member’s personal information stored?2020-11-03T11:34:18-07:00

The member’s MemberPass personal information is encrypted and stored in a secure location on their mobile device. It is not stored in a central database that could be hacked or otherwise accessed by others – it is always with the member, on their device. And because their biometrics or 6-digit PIN are used to unlock their MemberPassTM on their device, only the member can access and use their data.

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