MemberPass®, powered by Bonifii™, is a digital ID held by credit union members that protect 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.
How does MemberPass handle multiple owners related to an account?Grant Allen2020-10-06T14:02:33-06:00
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?Grant Allen2020-10-06T14:09:43-06:00
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.
Where is my MemberPass stored?Grant Allen2020-10-06T14:09:33-06:00
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.
Is there a charge to download the app?Grant Allen2020-10-07T09:35:39-06:00
You can back up your MemberPassTM from the settings menu of the Connect.Me application. We recommend that you do this whenever you update your information. MemberPassTM creates a securely encrypted file of your information and your activity. You can choose to save this in your favorite location such as:
You should keep this file safe in case you need to restore your MemberPassTM in the future. Remember to take regular backups.
Can members use their MemberPass in other places outside of the credit union?Grant Allen2021-03-10T12:55:36-07:00
Portability and interoperability are two important features that makes 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.
Where is my personal information stored?Grant Allen2021-08-05T15:32:52-06:00
Only you have access to your MemberPassTM data. MemberPassTM allows you to:
Manage who you share your identity with
Ensure you are sharing your identity with the intended recipient (i.e., you are sharing with your credit union versus a bad actor imitating your credit union)
Store your digital credential on your secure device and never in a central database subject to compromise
MemberPassTM puts you in control. You are the only one in control of your identity information and share it only when giving your permission. And only the intended recipient can access information from your MemberPassTM.
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?Grant Allen2021-03-10T14:07:24-07:00
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 request by a verifier.
I’m interested in signing up, where can I get a MemberPass?Grant Allen2020-10-07T09:22:31-06:00
MemberPassTM has completed a number of pilots and can only be obtained a few credit unions currently. More credit unions will be offering MemberPassTM to their members soon! Please check back in the future for news about MemberPassTM launching in your area. Not a credit union member and interested in learning more about the credit union difference, visit www.asmarterchoice.org to learn more!