Securely verify your identity in-branch with IDCheck
Beginning May 1, 2025, all credit unions within the CO-OP Financial Services network will implement the IDCheck process to verify the identity of Shared Branching Members. This new identification requirement will apply to in-person visits at our Maui branch locations and all Shared Branch locations. As part of the enhanced fraud prevention efforts, this measure helps ensure that it is you—and not someone else—attempting to access your account.
If you bank at one of our Shared Branch locations, a teller can now identify and authenticate members with out-of-state IDs in the branch through a QR code and one-time pass-code multi-factor authentication verification. This additional layer of authentication will be used for loan payments, cashier’s checks, deposits, withdrawals, transfers and account inquiries.
How it Works:
- Scan the QR code located in the branch or visit verify.coop.org
- Select your credit union’s name from a drop-down list.
- Enter your member number and the last four digits of your social security number.
- Upload a photo of your ID.
- Take a selfie. Tip: Save your validation for an even quicker experience next time!
- Show your one-time pass-code to the teller (pass-code is valid for 20 minutes).
Frequently Asked Questions
- What is IDCheck? IDCheck Shared Branch is a product to help verify and prove a member's identity to effectively fight account takeover and identity theft for in-branch fraud.
- How does a visiting member access IDCheck? A visiting member scans the QR code with a smart device or smart phone.
- Is every Shared Branch client required to join IDCheck? As of May 1, 2025, all clients will be required to use IDCheck to verify members for withdrawal transactions that occur with out-of-state IDs. This requirement is aimed at addressing the most prevalent area where we observe account takeover fraud, which is with out-of-state IDs.
- What is the technology behind IDCheck? IDCheck is powered by Socure’s DocV product. Socure’s more than 2,400 clients include 17 of the top 20 banks, 13 of the top 15 credit card issuers, leading Buy Now, Pay Later (BNPL) providers, and over 500 fintech companies. The company’s solutions are trusted by customers including Chime, SoFi, Robinhood, Green Dot and others.
- What happens if a member does not have an ID? Visiting members must present valid identification.
- Does a passport count as an out-of-state ID? Since passports are federally issued, any withdrawal using a passport as verification qualifies as out of state and is subject to the IDCheck requirement.
- Will this work with foreign passports? Yes, IDCheck is capable of processing passports from many different countries.
- Can military IDs be used? Although a military ID is a valid ID in the teller line, military IDs are not supported in IDCheck due to a federal regulation that does not allow federal IDs to be copied or photographed. IDCheck will reject a military ID; photocopying any U.S. government identification is a violation of Title 18, US Code Part I, Chapter 33, Section 701. If the member does not have a valid non-military ID to present, an alternate verification method should be used.
- If a member has accounts with two different credit unions, does the member need to go through the IDCheck process twice in order to conduct a transaction at each credit union? IDCheck requires a member to select the credit union they are a part of at the beginning of the member workflow, so if they want to complete another transaction with a different credit union they will need to go through the process again and select the second credit union. Note, that this is only required if both transactions are withdrawals with out-of-state IDs.
- What happens if a member who was previously authenticated and opted in to storing their validation gets a new smart device? The member needs to go through the verification process again since IDCheck correlates verification to the device.
If you have any questions please contact us at (808) 877-3232 or email us at [email protected].