Primary Identification
Name 4 forms of Primary Identification.
What is State-issued driver's license.
What is State-issued identification card.
What is U.S. government-issued or State Issued agency ID (e.g., Veteran's ID, Native American Tribal ID card).
What is U.S. government-issued military contractor's ID (Active or retired).
What is U.S. military-issued ID (e.g., active duty, retired, dependent).
What is U.S. Passport.
What is U.S. Passport Card (with secondary form as well).
What is Foreign Issued Passport.
Name the 3 types of Secondary Identification.
What is Major Debit or Credit Card operating on a major payment network.
What is Vehicle Registration.
What is Navy Federal Debit or Credit Card.
What is An ID which is unfamiliar or unknown for a transaction.
True or False. A non member conducting a credit transaction (deposit or payment) into a members account, are required to provide a primary form of ID.
What is False. A non member is not required to provide a primary ID in order to deposit or make a payment into a members account. Unless the transactions falls under CTR requirements.
What does the acronym CIP stand for?
What is Customer Identification Program.
What steps do you take when you are provided a Primary form of ID to verify it's legitimacy?
What is
1. Pull up your ID guide.
2. Check security features with your FF pen.
Name the payment networks that we do not accept as a secondary form of Identification.
What is CashApp.
What is Chime.
What is Any card that doesn't operate off of a major payment network.
What is False.
If a non-member is conducting a deposit transaction on behalf of a member and does not prefer to provide identification, what is the proper way to record the ID in Encore?
What is Enter Not Provided in the "Last Name" field and N/A in the "First Name" field. Enter N/A from the ID type dropdown and ID number dropdown.
Name 5 proof of address documents listed in the proof of address column.
What is Voters Registration Card
What is Paystub (within the past two months)
What is Unexpired Vehicle Registration
What is Insurance Documents (all types)
What is Bank Statements (within the past 2 months)
What is Local/ Federal/ State Tax Documents
What is Utility Bill (past two months)
What is W2 from most recent tax year
When using vehicle registration as a second form of identification, how are you supposed to document it and what are the requirements for the document to be acceptable?
What is The last 4 of the Vehicle Registration.
What is The address must match the ID the member presented or the address listed on the member's record.
What features on an ID deems a State Issued ID or Drivers License unacceptable?
What is Expired.
What is Security features not matching the ID guide.
What is Voided line on the back of the ID.
What is Cracked/ Damaged.
If a member has any medical protection (e.g., face mask, religious covering) that compromises a team member's ability to identify a member visually, you must advise the member must remove the protection, as that is the only way to properly identify them.
What is False. What is, Do not ask the member to remove any medical protection for any reason, including identity verification. Accept the required physical identification (e.g., valid, government-issued photo ID) and capture in the system per established procedures. Confirm identity by using the backup identification procedures.
Backup ID procedures should only be used for transactions where photo ID would be required, and not for transactions for which the member can use other types of non-photo primary ID (e.g., transaction can be completed using PIN verification).
Are there any exceptions to the CIP rule? If so what are they.
What is Yes. Elderly or disabled members may use the following forms in place of the normal CIP documents:
True or False. A paper ID can be accepted as long as it is accompanied by the voided/ expired ID that matches the BSA information.
What is Suspicious Person.
What is Recent Security Monitoring.
What is COMB. Confirmed Online Mobile Banking.
What is Confirmed First Party.
What is considered as Unlisted Identification?
What is An ID which is unfamiliar or unknown for a transaction.
Explain the Backup ID procedure.
What is Verify the members information in USD.
Ask 3 back up ID questions. Member has to answer 2/3 correctly. Leave a note on the account (no expiration) stating they passed the Backup ID procedure and provide details about the transaction.
If a member processes a cash advance for a non Navy Federal card of 4,000 and provides you with a valid GA drivers license along with a vehicle registration with an AL address (the address is on the profile), is the vehicle registration acceptable for the transaction?
What is Yes.
If an ID presented is from the "Proof of Address" column, the address must match the ID the member presented or the address listed on the member's record.
True or False. A paper ID can be accepted as primary as long as it is accompanied by an unexpired major credit or debit card and is approved by leadership.
What is True.
What is the dollar amount for transactions that require a secondary form of identification?
What is $3,000.
True or False. An Unaccompanied Minor is not required to provide Identification as they are a minor and most minors don't have ID.
What is False. A government-issued photo ID is required for unaccompanied minors 14- 17 years old (15 years old for Washington D.C. residents).
How do you record the ID in Encore when a member passes the Backup ID procedure?
What is Select Other from the "ID Type" dropdown menu and enter actions taken to confirm member's identity.
If a member visits the branch and provides you with a U.S Passport card as primary ID, is that acceptable? Why or why not?
What is It may be use as a primary form of ID, however you must request another acceptable primary form of ID (e.g., NFCU debit card with PIN verification, state-issued driver's license).
If the member does not have an acceptable form of ID, ask the Backup ID Question(s) to complete the transaction.