When a new member joins your credit union through MOP, they can fund their account with a plastic from another FI.  SWIVEL uses this information to debit the member via the plastics rails, then credits the member in CBX via ACH.  Therefore, because no ACH debit transaction is being originated, we do not believe there is any need to opt into the SWIVEL Web Debit Validation service if you offer funding via your MOP site.

As far as the CBX A2A toolkit in partnership with SWIVEL, because your credit union must configure the third-party FI information in CBX prior to the member having access to initiate A2A transactions, you are responsible for performing a validation on the ownership of the account.  Many CUs, for example, require a member to provide a statement that lists them as the account owner to establish the A2A relationship in CBX.  We believe this meets NACHA’s requirements related to account validation. 

Please note that if you offer other services as part of your relationship with SWIVEL, you should review those processes independently to determine whether it makes sense for your credit union to opt into SWIVEL’s validation service.