Out-of-Wallet means information that someone couldn't find if a wallet was lost or stolen. It's sensitive account information that only the account owner would know.
You MUST use at LEAST 3 Out-of-Wallet questions to verify identity.
Note: For additional verification methods, please refer to the detailed Phone Verification Methods procedure available in SASI and on SharePoint under the Training Tab > Documents > MSC Quick Reference Guide > 01. How to Verify Identity.
Out-of-Wallet Questions:
| Joint Owners Date of Birth? |
| Where/Who is your direct deposit from? |
| How much is your direct deposit? |
| Email address? |
| What was one of the last bills paid using our Bill Pay Service? |
| Is there anyone else on the account with you? If so, who? |
| Last branch you made a deposit or withdrawal? |
| One of the last places you used your debit card? |
| Any previous last names? |
| What kind of services do you utilize at the Credit Union? |
| What type of loan do you have at the Credit Union? |
| How much is your loan payment? |
| What type of vehicle is the loan for? |
| Do you have any previous loans with us? |
| Is there a beneficiary on your account? If so, who? |
| Do you have a split direct deposit? |
| What is your Alternate Address? |
| Recurring monthly transactions? (Netflix, insurance, etc.?) |
| Account or membership opening date? |