2016 california account administration Seminar

Dates and Locations for this Seminar


Tue. Mar 8 Piccadilly Inn Airport 5115 E. McKinley Ave. Fresno, CA 93727
Wed. Mar 9 Schools Financial CU

1485 Response Road, Suite 232 (Madison Room)
& Suite 234 (Folsom Room)

Sacramento, CA 95815
Thu. Mar 10 Hilton Oakland Airport One Hegenberger Road Oakland, CA 94621
Tue. Mar 15 California Credit Union Center 2855 E. Guasti Road, Suite 600
Ontario, CA 91761
Wed. Mar 16 Embassy Suites—Glendale 800 N. Central Avenue Glendale, CA 91203
Thu. Mar 17 SchoolsFirst FCU

Leland Hanson Room
2115 N. Broadway

Santa Ana, CA 92701
Please note: The Santa Ana site of this seminar is now full, and registration for that site is closed. Please attend the seminar at one of the other locations, or call Jan Johnson at 909.212.6029 to be placed on a waiting list for Santa Ana.

Secure registration available:

Your Guide to Effective Member Account Management

When members come to you with deposit account questions, do you have the knowledge and expertise to help them?

Get the knowledge you need to effectively handle individual, joint, and trust accounts at the 2016 California Account Administration Seminar. Let credit union compliance expert Mary-Lou Heighes show you the tools and techniques that can help you open, maintain, and close member accounts with accuracy and efficiency.

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 trusts
  • Membership requirements
  • Certification of trust
  • Protection from liability
  • Deceased trustees
  • Power of Attorney on a trust
  • Blocked trusts and Coogan accounts
  • Totten trust
  • UTMA
  • Relief fund
  • Guardian and conservator


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

Power of Attorney (POA)

  • General POA
  • Durable POA
  • Uniforma 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

Escheat/Unclaimed Property Update for 2016

The manual also includes 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
  • Auditors
  • Training & Professional Development Staff

Meet the presenter, Mary-Lou Heighes:
Mary-Lou Heighes is President and founder of Compliance Plus, Inc., which has been helping financial institutions with the development of compliance programs since 2000. She provides compliance training all over the country for various trade associations and financial institutions, and also speaks at numerous financial institution conferences throughout the country. Mary-Lou has been an instructor at regulatory compliance schools, and conducts dozens of webinars for organizations throughout the country.

Mary-Lou has been involved financial institutions since 1989. She has over 20 years’ worth of compliance experience. Before starting Compliance Plus in 2000, she spent five years working in the trenches and seven years providing compliance assistance through a state trade association Information Hotline, working on state and federal laws and regulations and writing and editing advisory bulletins on changes to regulations affecting financial institutions.

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 (03/01/2016)
$209 $259 $453
Regular Registration $259 $309 $540
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 in writing at least four (4) business days before the seminar date to be eligible for a refund.  No refunds will be made for cancellations received less than four (4) business days before the seminar. Substitutions are always welcome.

100% Satisfaction Guarantee: Your satisfaction is our #1 priority. We guarantee you will be completely satisfied with this seminar or we will refund your 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, call the Leagues’ Credit Union Development Department at 800.472.1702, ext. 6057.

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

Dress: Business casual attire is appropriate. You may want to 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? Call 800.472.1702, ext. 6029, or email us at registrations@ccul.org.