CU*BASE has two sets of tables for account information:  active (MEMBERx and related tables) and closed (ACHISTx and related tables).  When an account of any type is closed during the day, the system temporarily marks the active account record with a status of "C."  That night during end-of-day processing the system transfers data from MEMBERx to ACHISTx and either transfers or deletes data from other related active data tables (including things like additional signer/joint owner records, etc.). This archives the closed account in a separate set of tables.  

When you use Tool #711 to re-open an account the same day, since the archive process hasn't occurred yet, all the system needs to do is change the status from "C" back to "A" for Active.  However, once the archive has been completed the process to reinstate the account is not only far more complicated, but in some cases cannot actually be done since some data and links have already been deleted during archival.

We have considered enhancements that might allow the system to delay moving a closed loan to the history files until a couple of days has passed. Unfortunately there are significant challenges to that based on statement periods, month-end and year-end activities, and ripple effect on dozens of interactive and batch posting programs, and no official project has been initiated at this time.