CheckSystems

This document provides technical guidance for users interacting with the ChexSystems module within the FLEX system. ChexSystems is an optional module that facilitates the request and receipt of verification information, aiding in determining a potential member’s eligibility for a credit union account.

Note: Your credit union must be configured with ChexSystems via Electronic Access prior to using this module.

1. Accessing ChexSystems

The ChexSystems module can be accessed in two primary ways within the FLEX system:

• From the Main Menu:
  • Navigate to Teller in the FLEX Main Menu.
  • Select ChexSystems®.
• Through Workflow Configuration:
  • ChexSystems functionality can be integrated into the Open New Account and/or Open New Share workflows. This configuration is managed via Workflow Configuration settings.

2. ChexSystems Interface Overview

The ChexSystems interface allows for the input of personal or business information to initiate a verification request. The available report options may vary based on the services purchased by your credit union through ChexSystems.

2.1. Main Sections

The ChexSystems screen is divided into several key sections:

• ID Verification, OFAC, QualiFile Checkboxes: These checkboxes at the top of the screen indicate the types of checks that will be performed.
• Entity Selection: Radio buttons to select between “Person” or “Business” entity types.
• Personal Information / Business Information: Input fields for the selected entity type.
• Current / Archived Tabs: Allows viewing of current or previously archived reports.
• Report Panel: The bottom section of the screen where the returned report information is displayed after submission.
• Action Buttons: Buttons for submitting requests and performing actions on the report.

2.2. Data Entry Fields

2.2.1. Person Entity

When “Person” is selected, the following fields are available for data entry:

• Entity:
  • First Name
  • Middle Name
  • Last Name
  • Jr/Sr (Suffix)
• Personal Information:
  • Address Line 1
  • Address Line 2
  • City/State/Zip
  • Citizenship Country
  • SSN (Social Security Number)
  • DOB (Date of Birth)
  • Phone (Home, Work, Cell options)
  • DL # (Driver’s License Number)
  • State (Driver’s License State)
• Actions:
  • Suggest Address: Utilizes USPS to provide address suggestions.

2.2.2. Business Entity

When “Business” is selected, the following fields are available for data entry:

• Entity:
  • Business Name
  • Type (Select business type from dropdown)
  • Fed ID (Federal Tax ID)
• Business Information:
  • Address Line 1
  • Address Line 2
  • City/State/Zip
  • Country Code
  • Phone
  • Deposit Amount (Optional field for initial deposit)
  • User Defined Rec Text (Optional field for user-defined record text)
  • Months At Address (Optional)
  • Years At Address (Optional)
• Actions:
  • Suggest Address: Utilizes USPS to provide address suggestions.

3. Submitting a Request

To send a verification request to ChexSystems:

1. Enter all required and relevant information in the appropriate fields for the “Person” or “Business” entity.
2. Click the Submit button.
3. The report information will be returned and displayed in the bottom panel of the screen.

4. Report Actions and Overrides

Once a report is returned, several actions and override options become available. The information displayed in the report panel will vary based on your credit union’s ChexSystems setup.

4.1. Report Action Buttons

• Override IDV:
  • Allows a user to override the Identity Verification (IDV) result.
  • Prompts the user to select or enter a reason for the override from a predefined list (e.g., “Cleared – Change in marital status,” “Incorrect – ADDRESS”) or by typing in “Other (type in reason)”.
  • Includes a “Comments” section for additional details.
  • Click “IDV Override” to confirm or “Cancel” to dismiss.
• Override OFAC:
  • Allows a user to override the Office of Foreign Assets Control (OFAC) result.
  • Similar to Override IDV, it prompts for a reason selection or entry and includes a “Comments” section.
  • Click “OFAC Override” to confirm or “Cancel” to dismiss.
• Add IDV Action:
  • Enables the user to add a specific ID verification action.
  • A text field is provided to “Enter the Action Text.”
  • Click “Add Action” to save or “Cancel” to dismiss.
• Archive Summary:
  • Archives the current report information to the Document Manager.
  • Note: The full ChexSystems report is not sent to the Document Manager. The archived summary contains the maximum amount of information that ChexSystems allows FLEX to store for the credit union.
• Open in Browser:
  • Opens the current ChexSystems report in your default web browser for full viewing.

5. Sample ChexSystems Report

A sample ChexSystems report typically includes:

• Consumer Information (As Entered): Details such as Name, Address, SSN/TIN, DOB, DL#, Phone, and Country of Citizenship.
• Account Actions:
  • Action: (e.g., ACCEPT)
  • Recommended Actions: (e.g., AD100002)
• Product Offer:
  • Product: (e.g., CHECKING ACCOUNT)
  • Limits
  • A.P.R.

6. Support and Further Information

For any questions regarding different types of available reports or how to interpret them, please direct your inquiries to ChexSystems directly.