Membership applications that have the same SSN as one already on file (either the applicant or joint owner) will be submitted as an application for the credit union to work.  Since the system has no way to know whether the new data is for the same or a different person, these will require extra attention since if they are accepted, the data submitted in the application (such as address or phone number) will override personal data saved to the membership or non-member record that is already saved to the system in CU*BASE.