Much has changed in recent decades in terms of how credit unions protect member assets and determine the legitimacy of transactions. David Green, president/CEO of 1st Northern California Credit Union (1st Nor Cal), recollected that when he first joined 1st Nor Cal as SVP/CFO in May 1992, branch staff usually recognized members as they walked in and did not ask them to produce identification. About six months later, the credit union began requiring photo ID for in-branch transactions, much to members' dismay. "I come in every week – how can you not know who I am?" Green recalled members saying in objection to the new rule.
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