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Most Popular Content in It's Me 247 Online Banking/ARU
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1.
What special characters are allowed in online banking passwords, security question answers, and personalized security questions? Which ones are not allowed? Views: 1628
For an additional level of security or to fulfill complex password requirements, members may add special characters to their passwords. They may also add special characters to their security question answers. Some members may even use the feature that allows them to create their own security question, and they may elect to include special characters in that as well (for example a question mark). Allowed special characters are listed below. Some characters have special significance to certain More...
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2.
What is stand-in processing? Views: 1185
Simply put, it is a way for your members to continue using interactive services such as audio response and online banking, ATM/debit cards, and online credit cards for their financial needs, even while CU*BASE is off line for normal daily or monthly processing. CU*BASE uses a special style of stand-in processing that allows for continued use of CU*TALK audio response and It's Me 247 online banking services even during the night when we perform end-of-day and end-of-month processing. Refe More...
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3.
We are thinking of activating the new See and Jump features for online banking. Can you explain the thinking behind the security, and why only an account owner can have this access? Views: 851
IMPORTANT NOTE: With the new look for It’s Me 247 being released during 2021, the “See” option shown on here is temporarily unavailable. Members who had See-only access previously configured will no longer have access. Jump, however, is still available. There are two major points to consider when thinking about allowing members to see information beyond the account to which they are actually logged in. Both extend beyond online banking to consider a financial institution&rs More...
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4.
What is the difference between an ISP and a Browser? Online banking requires the browser has 128-Bit encryption. How do my members update this encryption level? Views: 746
An Internet Service Provider (ISP) is the company from which you purchase internet access services (like AOL or IServ). A browser is a piece of software on your PC which allows you to access things like web sites, Internet access. Examples are Microsoft Internet Explorer or Mozilla Firefox. Upgrading your browser is important. It insures you have the most current version with the most up-to-date features, speed and options. But in most cases what is needed the most is to upgrade the encryption More...
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5.
How does a member's account get debited for bills they schedule through "It's Me 247" Bill Pay (Fiserv)? Views: 508
In one of three ways: Note: The term 'subscriber' refers to your 'member'. Electronic Payments (ACH) - Fiserv's preference is to send all payments electronically. However in the Risk Model format it is not always feasible. Fiserv submits the merchant payment (via the fed) from a Fiserv settlement account the same day we submit the debit (via the fed) to the subscriber account. Fiserv is taking the risk on the payment. Electronic payments are typically sent when the subscr More...
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6.
A member is trying to log in to online banking and they see this message: "Online access for this account has been disabled. Please contact the Credit union to reset your password." What should I do? Views: 437
What This Message Means: This appears when the member has tried 3 times to enter their password incorrectly. The message does instruct the member to click I forgot my password and answer all three Security Questions to reset the password themselves. But if the member doesn't know their password or their security questions, they will need to contact the CU. BE CAREFUL: This is a scenario that presents the most risk to your members. If a bad guy finds out a member's name, account nu More...
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7.
We're finding that the system is frequently bouncing back and flagging member addresses as incorrect even though the member has confirmed that it's a valid address. What could be causing this? Views: 423
CU*BASE cannot send out email from our network having it look like it's coming from any domain, and have it reliably delivered, unless that domain explicitly configures their DNS settings to do so. This is a spam/spoofing protection. These days recipient email servers are more frequently configured to do SPF (Sender Policy Framework) lookups and will reject email if the message originates from a network that the domain (such as aol.com) hasn't permitted in their SPF record. Bulk provider More...
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8.
What are some basic browser troubleshooting steps to take when an issue with a website is encountered? Views: 408
While it is possible that an issue someone runs into on a website is an issue with the web server or a programming issue with the site, it is very important to rule out any browser or workstation incompatibilities first. If the website is not being opened in a supported browser, for instance, it can cause errors that would otherwise not exist. So what are some standard troubleshooting steps than can be taken? Are you using the latest version of your browser? Just like any other piece of software More...
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9.
When Fiserv creates a member check with the credit union's name on it, where does it get the CU name from? Views: 402
This comes from Fiserv's records, which are provided to them by the Federal Reserve (through the FRB's Checks Department).
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10.
What commands are available in text banking? Views: 395
Keywords are not case sensitive. For example, you can type either help or HELP or even Help and you'll get the same result. BAL Reponses to BAL include the available balance on three savings accounts/and or checking accounts. Member Text: BAL Text Response: xxxxxxxxxxxxxxx:$-9,999,999.99, xxxxxxxxxxxxxxx:$-9,999,999.99, xxxxxxxxxxxxxxx:$-9,999,999.99. Reply HELP for help. Msg Data Rates May Apply. If multiple memberships are enrolled with the same phone, the response will ask you to specif More...
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11.
How do I tell my members to contact support when they need help with "It's Me 247" Bill Pay (Fiserv)? Views: 395
Credit union employees can communicate with a Bill Pay Customer Care Specialist via Answerbook or via phone, and members can communicate with us directly through their bill pay product. Here are the steps for members to take (applies to credit unions on the Cooperative Model). Please encourage your members to communicate their questions using this method: After a member has logged into Pay My Bills via It's Me 247 Online Banking, at the top of the bill pay screen is a series of gray navig More...
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12.
Do I have to activate online banking and audio response automatically for all my new members? Views: 394
No, actually you can default all new memberships to deactivate online banking and/or audio response access until the member specifically requests it. This is highly recommended as it helps to protect members who join the credit union but never get around to using your online tools right away. These accounts may be your most vulnerable since the member hasn't set up a private password or security questions. By deactivating them as a default, you can give them a little extra protection from More...
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13.
My credit union wants to allow maintenance on Automated Funds Transfers (AFT) in online banking. What are the steps for allowing members to set up and maintain their own AFTs? Views: 392
There are several configurations that control the member’s ability to set up and maintain Automated Funds Transfer (AFTs) online. Does your credit union's Personal Internet Branch configuration allow the maintenance of AFTs? Are AFTs configured to show in online banking? Does the member's PIB configuration allow maintenance of AFTs in online banking? For existing AFTs: Is the record locked to prevent changes in online banking? 1. Does your credit union's Personal Internet Bran More...
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14.
Can a member retrieve check images and copies from Online Banking? Views: 353
Yes, If you are a CU*BASE client and your check processing is handled by the Check Item Processing team, you can offer your members the ability to print copies of cancelled checks using Online Banking and the CheckViewer. If your credit union chooses to activate this feature, the member simply clicks a button from either the checks cleared screen or the account detail transaction listing, to pull that specific check. We also offer interfaces to check images from many other item processing vendor More...
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15.
Can online banking download to current versions of Quicken? Views: 339
Yes! We offer this service so that you can allow members using current versions of Quicken to download data from online banking. ( It's Me 247 will also continue to offer the older QIF file format which works with Quicken versions 99 through 2004.) As explained in the brochure (see the link below), there is a startup and an annual maintenance fee from Qucken to offer this feature to members. (CU*Answers has paid for all of the development and testing and will not charge your credit union a More...
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16.
What features does It's Me 247 Mobile Web Banking offer? Views: 327
Members can perform the following tasks while in Mobile Web Banking: Check account balances of savings, checking, certificate, credit card and loan accounts (both available and current balances). View transaction history for these accounts. View funds on hold for savings and checking accounts View pending authorizations for credit cards (if they exist) Transfer funds to other accounts (as allowed by standard online banking) View if a check has cleared (cancelled checks) View pending ACH transac More...
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17.
A check was cleared on the wrong member account. I already reversed the transaction and posted it properly through Account Adjustment, but how do I keep the member from being able to see the wrong check image in online banking? Views: 319
Contact a CSR for assistance with this issue. The impact of the solution may vary from situation to situation.
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18.
When It's Me 247 Online Banking is offline for maintenance, what's the rule of thumb for when members will see a splash page explaining what is happening, and when they won't? Views: 303
The answer depends on which network component is offline. The host in this case refers to the iSeries that runs CU*BASE member files and processes your member data. The online banking server refers to the equipment and programming that runs It's Me 247 online banking itself (there are actually multiple servers). If only the CU*Answers host is offline (online clients) - We can use the online banking servers to display a standard splash page explaining the situation. If for any reason we ca More...
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19.
I've never used Transfer Control in Online Banking or Audio Response before. How do I get started? Views: 301
Transfer Control means that a member must tell you the account numbers where he or she would like to be able to transfer funds in Online Banking and Audio Banking. (The same transfer control lists is used by both systems.) Remember that these are accounts that will receive funds from the member's own account. If transfer control is activated, a member will not be able to specify an account number when transferring; instead, he will choose from a drop-down list of names (not account number More...
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20.
So just what is PIB? Views: 299
PIB provides a layered security approach to add additional authentication controls for Online Banking. PIB, which stands for Personal Internet Branch, is an independent application that provides multiple, configurable controls that govern how Online Banking behaves and what members can do with access to it. PIB allows your members to control access to their accounts with controls by feature, day of week, time of day, and even geographic location. It layers additional passwords and member aut More...
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21.
Will we know if a bill is be paid by ACH or check in "It's Me 247" bill pay (Fiserv)? If so, how? How will stop payments be handled? Views: 279
The most important thing to understand is when the bill will be received, not how it will be paid. Payment methods are determined by the relationship between Fiserv and the biller, and are subject to change. When scheduling a payment, the system automatically pre-fills the earliest payment date the biller can receive the payment. The date can be altered to a future date, but not an earlier date. Once a payment begins processing, you will be able to view the payment method in the history. If the More...
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22.
Can CU*Answers assist us in answering examiner questions about our risk assessment and how it applies to Audio Banking and Online Banking? Views: 273
Of course we are always happy to assist you in explaining system features to your auditors and examiners. We will be glad to talk directly to your examiner to explain not only how the tools and security features work, but also the strategic ideas behind why things work they way they do and the direction in which we are heading. Please contact a CSR or our CEO directly if you need help working with your examiners.
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23.
What web browsers does It's Me 247 Online Banking support? Views: 269
Refer to online banking help using the link below for current usage requirements.
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24.
Is PIB the same as multi-factor authentication? Views: 265
No. PIB is a layered security solution , which is one of the three methods recommended by the NCUA to comply with the “Guidance on Authentication in Internet Banking Environment” (letter 05-CU-18). Remember that you only need to select one of the three available methods. (The other two methods are multi-factor authentication, and “other controls,” the NCUA’s way of allowing for technology that doesn’t even exist yet.) Although the term “multi-factor More...
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25.
When will my bill pay (Fiserv) A2A transfer money be in the account? Views: 260
It's Me 247 Bill Pay (Fiserv) A2A transfers process as a next day payment. There are times when this may not occur: If a member should exceed their transfer risk limit, a 3-day credit hold will be placed on the transfer. A 5-day credit hold is placed on any inbound transfer coming from an unconfirmed account. The member sees a transfer occur as three (3) ACH transactions: One ACH debit for the A2A transfer withdrawal amount One ACH debit for the A2A transfer fee amount One ACH credit for t More...
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