FAQs

Starting May 1, 2025, if you visit TN Members 1st or other financial institutions in the Shared Branch Network with an out-of-state ID, you will be required to identify and authenticate through a QR code and a one-time passcode multifactor authentication verification before you can complete a transaction with a member service representative.

Example 1:

You live in New York and have a New York driver's license. You're visiting family in Tennessee and stop by TN Members 1st FCU to complete a Shared Branch transaction. You WOULD be required to identify and authenticate through a QR code and a one-time passcode multifactor authentication verification before you can complete a transaction with a member service representative.

Example 2: 

You're a college student who has moved to East Tennessee for college. You have updated your mailing address and have a Tennessee driver's license with your Tennessee address. You WOULD NOT have to complete any additional identity verification before completing a transaction with a member service representative.

If you are visiting TN Members 1st FCU and looking to complete a Shared Branch transaction with an out-of-state license, you will need a non-expired government ID, such as a driver's license.

Please note that IDCheck does NOT support military IDs. 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.

1. Scan the QR code located in the Shared Branch financial institution you're visiting or go to verify.coop.org.
   • At a TN Members 1st Branch, you'll find the necessary QR code posted near the teller line.
2. Select your credit union's name from a drop-down list. 
3. Enter your member number and the last four digits of your Social Security Number. 
4. Upload a photo of your ID. 
5. Take a selfie.
6. Show your one-time passcode to the member service representative assisting you with your transaction.

You can save your validation for an even quicker experience the next time you visit a Shared Branch location!

IDCheck is built and maintained by the CO-OP Shared Branch Network. TN Members 1st FCU employees are not able to provide technical assistance.

Yes, IDCheck access codes are valid for 20 minutes. Once your access code expires after 20 minutes, you will need to complete the verification process again. TN Members 1st FCU employees have no access to or information regarding access codes or user access code history.

If you're visiting TN Members 1st FCU and want to complete a Shared Branch transaction, your account number is required. Please contact your home credit union for further assistance if you do not know your account number. TN Members 1st FCU is unable to look up individual member information for Shared Branch transactions.

A smart device is required to complete IDCheck. TN Members 1st FCU will NOT supply visiting members with a smart device of any kind (phone, tablet, etc.) to complete the IDCheck process.

Data sent through IDCheck is encrypted in the secure application.