AUBURN HILLS, Mich. – Call center and online lending specialist Digital Dialogue and account aggregation provider uMonitor have joined forces to provide credit unions with the tools to allow potential members to not only apply for membership, but fund a new account electronically. Online, members fill in and submit an application for credit union membership; the information is verified in real time, and once authenticated, the member may then transfer funds online from another financial institution to fund the account. Through a call center, an associate takes the information and submits it. Funds are held in a general account at the credit union until the member physically appears with two forms of identification. "The identity verification through a major credit bureau complies with the USA Patriot Act regulations, and the credit union can also include its membership requirement parameters," said Howard Hoemann, vice president of sales for Digital Dialogue. "Some credit unions may find this to be the most efficient way to sign-up new members at their branches."