Well, it's a little of both, actually. If you activate something that’s optional in CU*BASE but there is not a corresponding link to that from somewhere in your master navigation, then members won’t be able to get to it.  

As an example, take the overdraft services feature, where members can change their Reg E opt in/out choice online.  If you do not have a link to this in online banking from either the mega menu, on a clickable ad, or on a widget bar, then even if you activate it via Tool #569 Online/Mobile/Text Banking VMS Config, there will be no way for members to access that module to make their selection.

If you try to add a link to something in your online banking navigation (either you DIY-it in CU Publisher or you ask us to), you won't be able to select the service unless the corresponding functionality has actually been activated in CU*BASE.

If you have a link to something in your online banking navigation and you later deactivate the corresponding functionality in CU*BASE, then members will see this error message if they click that link: