Education & Training Services


Dates and Locations for this Seminar
• Tuesday March 12 So-Val Tel Federal Credit Union 4986 E. Clinton Way Fresno, CA, 93727  
• Wednesday March 13 SAFE Credit Union, Corporate Office 3720 Madison Ave. North Highlands, CA, 95815  
• Thursday March 14 Provident Credit Union, Oakland Airport Room 8301 Edgewater Dr. Oakland, CA, 94621  
• Friday March 15 Technology Credit Union, Training Room 2010 North First Street San Jose, CA 95131
• Tuesday March 19 California Credit Union Center, Suite 600 2855 East Guasti Rd. Ontario, CA, 91761
• Wednesday March 20 California Credit Union, Suite 700 701 N. Brand Blvd. Glendale, CA, 91203
• Thursday March 21 LBS Financial Credit Union, Learning Center 5505 Garden Grove Blvd. Westminster, CA, 92683 Location Full

Your Guide to Effective Member Account Management
Do you have the knowledge you need to help your California members manage their individual, joint, and trust accounts?  

If you open, maintain, or close member deposit accounts, let credit union compliance expert Mary-Lou Heighes show you the most current and complete deposit account rules and tools. You’ll be able to accurately and efficiently answer all your members’ account questions.

Topics covered include:


  • Federal vs. state charter
  • Termination
  • Expulsion
  • Membership vs. account relationship

Account Ownership

  • Multiple party
  • Ownership types
  • Minors
  • Representative payee
  • Businesses

Decedent Accounts

  • Individual accounts
  • Joint accounts
  • Designation of beneficiary
  • Distribution of funds
  • Activity on account

Trust Accounts and Other Fiduciary Accounts

  • Revocable vs. irrevocable
  • Membership requirements
  • Certification of trust
  • Protection from liability
  • Deceased trustees
  • Power of Attorney on a trust
  • Block trusts (Coogan)
  • Totten trust
  • UTMA
  • Relief fund
  • Guardian and conservator


  • Single
  • Joint
  • Trusts
  • IRAs & Keogh
  • Business & corporate accounts

Power of Attorney (POA)

  • General POA
  • Durable POA
  • Uniform Statutory POA
  • Special POA
  • Liability
  • When POA can be refused

Brief Overview of the Bank Secrecy Act

  • Currency Transaction Report
  • Exemptions
  • Suspicious Activity Report

OFAC and USA PATRIOT Act / CIP Requirements

Elder and Dependent Financial Abuse Reporting Requirements

  • Detection of elder abuse
  • Filing a report
  • Protection from liability

Plus, the seminar manual contains information on escheating accounts, such as: when to escheat, notice to members, escheat periods, fees, electronic remittance, locator fees, filing date, and penalties.

Who Should Attend?  California credit union staff members who open, maintain, or close member accounts, such as:

  • Member Service Representatives & Managers
  • Tellers & Teller Supervisors
  • New Account Specialists
  • Branch Managers
  • Operations Officers
  • Compliance Officers
  • Training & Professional Development Staff

About Our Presenter, Mary-Lou Heighes:
Mary-Lou Heighes, CUCE, is President and founder of Compliance Plus, Inc., which helps credit unions large and small with the development of compliance programs and compliance training and assistance. She provides compliance training all over the country for various state leagues and credit unions, and also speaks at numerous credit union conferences throughout the country. Mary-Lou has been an instructor at regulatory compliance schools, has conducted dozens of webinars for credit union related organizations throughout the country, and has written articles for Credit Union Magazine. She spent many years working on the very laws and regulations she trains on today.

Mary-Lou has been involved in the credit union movement since 1989. She spent five years working in credit unions and seven years providing compliance assistance through the Information Hotline and writing and editing TIPs bulletins advising credit unions to changes to regulations affecting credit union business.

Educational Investment:

Member Credit
Unions with
Power Learner Passport
Member Credit
Unions without
Power Learner Passport
Credit Unions
(Registration received or postmarked on or before 03/05/2013)
$175 $225 $395
Regular Registration $225 $275 $480
Seminar Times:
Registration: 8:30 a.m. - 9:00 a.m.
Seminar:  9:00 a.m. - 4:00 p.m.

What is Included: Your training package includes a networking luncheon.  Each participant will also receive the seminar handbook and an attractive certificate to frame or add to your employee file.

Note:  Parking fees and overnight accommodations are not included in the seminar fee.

Cancellation Policy: Cancellations must be made at least four (4) business days prior to the seminar date to be eligible for a refund. NO refund will be made for cancellations received less than four (4) business days before the seminar. Replacements are always welcome to attend.

100% Satisfaction Guarantee: Your satisfaction is our #1 priority.  We guarantee you’ll be completely satisfied with this valuable seminar or the Leagues will refund your entire registration fee.

Financial Assistance:  California and Nevada credit unions needing financial assistance in order to participate are encouraged to apply for funding through the Richard Myles Johnson Foundation. To receive an application, please click on the following link to get a .pdf with more details and the application.

Recording:  Electronic recording of any portion of this seminar is not permitted. Thank you for your cooperation.

Dress: Business-casual attire is appropriate, but bring a sweater or jacket, as meeting rooms can be cool.

Continuing Education (CE):  The League follows the regulations as outlined in the California Accountancy Act. Educational sessions at this seminar may qualify for CE credit. If you are interested in receiving CE credit, please inform us when you register for this event.

Questions? For more information about this seminar or other upcoming events, please visit our website at or call (800) 472-1702, option 2.