The rules for adding an entry to new membership denial block list are different than the rules for other service denial fraud lists. 

When making an entry on the new membership fraud block list, you have the option of adding a SSN/TIN and name, just an SSN or to enter a name without an SSN/TIN. You can enter a name without a match to the existing membership database.

NOTE:  If you only add an SSN to the block list, you can use the Comments section to add the person's name as a cross reference.

Because of this, it is recommended to enter the name in various formats to supply a match to whatever name might be provided when attempting to open a membership in the future.

This is how the matches are made:
If this data is entered... This is what will be matched...
ID #/SSN Must have an exact match to all digits to be considered a suspected match.
  • CU*TIP: If you have an actual, valid SSN, it is usually best to enter only that with no name, to avoid missing a match when a name happens to be spelled wrong or an alias is used.
Organization Name Must have an exact match to all characters to be considered a suspected match. (Remember you can create as many entries as you wish for possible spelling variations.)
Last name only Members with exact last name will be considered a suspected match, regardless of the first name.
  • Name matches are exact; variations are not blocked (e.g., “Adamson” will not be considered suspect if “Adams” is on the blocked list).
Last name and full first name Members with an exact match of both first and last name AND members with an exact match of the last name and the same first initial will be considered a suspected match.
  • Name matches are exact; variations are not blocked (e.g., “Adamson” will not be considered suspect if “Adams” is on the blocked list).
Last name and first initial Members with an exact match of the last name and the same first initial (first name beginning with that letter) will be considered a suspected match.

Below are examples of entries for denying a person or organization a new membership at your credit union.

Examples (Individuals)
Database Entry Actual Member Name
First name Last name First name Last name Blocked?
<blank> Michaels F Michaelson No
J Michaels Yes
John Michaels Yes
Clara Jordan-Michaels No
Clara Michaels-Hill No
Sasha Fredricks S Fredricks Yes
Sasha Fredrickson No
Sophie Fredricks Yes
Jane Fredricks No
<blank> Christianson Jane Christian No
J Christianson Yes
Tom Ericks Thomas Ericks Yes
T Ericks Yes
T Erickson No
Tom Erickson No
Tony Ericks Yes
Freddie Ericks No
T Web Tanya Web Yes
T Webster No
J T Web No

Examples (Organizations)
Database Entry Actual Member Name
Name Name Blocked?
Thomas Home Care Thomas Homecare No
Thomas No
Thomas Home Care (entered in DBA field) No
Thomas Home No
Thomas Home Care Yes
T F House TF House No
T.F. House No
TF Housewares No
T F House Yes
John Freda Company J Freda Company No
Jon Freda Company No
John Freda Company Yes
Maple Inc Maple Inc. No
Maple No
Maple Inc (entered in DBA field) No
Maple Inc Yes
 
All fraud block lists are accessed from Tool #892 Update Fraud Alert/Blocked Persons List.