Did you know your credit union can help individuals overcome some of the most common banking barriers? There are a variety of reasons why an individual might not have a checking or savings account, but knowing how to address common concerns can help your credit union better serve potential members, as well as your existing membership. This card offers frontline staff at your credit union quick and readily-available information that can help them best-serve aspiring members. Whether the barrier to opening an account is a lack of identification, no Social Security Number, poor financial services history, or another obstacle, the sample scenarios, responses, and resources can help during the account-opening process.