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
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