How Credit Unions use Elle text messaging to verify each Member’s Identification

Most Credit Union’s currently have a process in place to verify each Member through the call center. A similar method can be applied to verify the identity of your Members using SMS and the Elle text messaging platform.

For increased security most Credit Unions establish a three-factor verification process within the text messaging platform that involves a combination of any of the following verification attributes:

1. Mother’s maiden name
2. Date of birth
3. Zip code

The Credit Union would collect the following pieces of information from the Member via SMS and verify them with internal systems of record before proceeding.

Additionally, when the Credit Union has the Member’s mobile number on file, it then performs a cross-check that the number does, in fact, match. This verification process protects each Member by not over-exposing personal information while also verifying their membership.

Once verified, the Credit Union now has a secure way to handle Member requests. For example, the Credit Union can help each Member with balance inquiries, transferring money from savings to checking, or making a periodic loan payment.

For personalized services such as changing account information or transaction disputes the SMS service can be transferred to a telephone system for further assistance.