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Most Popular Content in It's Me 247 Online Banking/ARU
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1.
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: 1906
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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2.
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: 1793
IMPORTANT NOTE: When It’s Me 247 was updated in 2021, the “See” option shown on here was made unavailable. 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’s role and responsibility in protecting member private data via all access channels, from the teller line to a back office employee answering More...
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3.
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: 1671
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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4.
What is stand-in processing? Views: 1612
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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5.
What special characters are allowed in online banking passwords, security question answers, and personalized security questions? Which ones are not allowed? Views: 1534
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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6.
How does a member's account get debited for bills they schedule through "It's Me 247" Bill Pay (Fiserv)? Views: 946
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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7.
I want to create a custom report that shows how many
members have subscribed to e-Alerts...what is the
field name and indicator for members who have turned this on? Views: 862
You can Query the PCALTCFG file for information on e-Alerts and e-Notices. This file will show you all members who have signed up for these items, including an column indicating whether the member signed up to receive the alert via email or text message. In the alert type field, the types codes are as follows: AC = ACH transaction AB = Account Balance LN = Loan Payment Due NP = e-Notice
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8.
For security reasons, I like to lock out members from using online banking until they actually want to use it. But with non-use expiration and automatic deactivation features turned on, how do I run any sort of online banking promotion? Views: 819
If you: A) automatically deactivate online banking access for all new members, and B) expire online banking passwords due to non-use after 90 days, then how do you run an online banking promotion? After all, sending a marketing piece to members won't do any good if they're disabled or locked out from logging in. Of course you could have them call the credit union to get set up, but here's another idea: Set up a special promotional period! Pick a date to start your campaign. Advert More...
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9.
What are some basic browser troubleshooting steps to take when an issue with a website is encountered? Views: 802
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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What are some frequently asked questions about multi-factor authentication (MFA) for "It's Me 247" online banking and "BizLink 247" business banking? Views: 769
Below are some commonly asked questions about MFA. Below the questions are some fuller feature documentation resources. After my credit union activates multi-factor authentication for It’s Me 247 , do my members using the “jump” feature (to access a second membership without entering credentials) need to use MFA during this jump? Can you send a one-time passcode for multi-factor authentication (MFA) for BizLink 247 via text message? My credit union has activated multi-factor au More...
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11.
So just what is PIB? Views: 763
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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12.
How do I activate or deactivate a member's access to online banking or audio response? Views: 726
There are a couple of access points: Launch Tool #14 Member Personal Banker and select the Online banking/ARU (activate, change PIN/password; view password history) option OR Launch Tool #72 Update ARU/Online Banking Access (PIN) (Shortcut: PIN) It's Me 247 CU*TALK CUTalk
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13.
How can I obtain statistics on how my members use audio response and online banking? Views: 713
There are several ways to obtain this data. To see the total number of active online banking members, use Tool #856 Tiered Svcs Monthly Comparison to display active user counts for any monthly period. (HINT: Click the Goal 4 button to display this data.) This can be done even if your credit union does not use Tiered Services for any other purpose. To print a report of usage statistics, use Tool #141 ARU/Online Banking Stats Dashboard To see online banking usage stats for a particular m More...
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14.
Is PIB the same as multi-factor authentication? Views: 684
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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15.
Can CU*Answers assist us in answering examiner questions about our risk assessment and how it applies to Audio Banking and Online Banking? Views: 662
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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16.
Do I have to activate online banking and audio response automatically for all my new members? Views: 647
No, you do not have to automatically activate OLB or ARU for new memberships. 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 deact More...
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Are CU*TALK audio response and "It's Me 247" online banking ever put into stand-in mode? Views: 638
Yes, this occurs every night when we perform daily processing. During stand-in, all audio response features will continue to work as usual. However, there are a few special features in online banking that are not available during stand-in processing. See the link below for more details on services that are unavailable during stand-in.
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18.
What features does "It's Me 247" mobile web banking offer? Views: 636
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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19.
What is the phone number for iPay's Customer Support? Views: 629
The iPay Customer Support staff can be reached at 877-434-4729 .
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20.
When any of our members updates their personal information through "It's Me 247" they get an email letting them know there was a change. Where does the signature line come from, and can I change it? Views: 618
To update a signature line in CU*BASE, you’ll use the Tool #497 Member Connect Marketing Tools . (You will need a file name to move forward, so it can be helpful to have a test file created in your QUERYxx library for situations like this.) NOTE: For Member Reach clients, Xtend has previously created a file ‘MBRRTEST’ that will allow you to access the Message Maintenance screen. Select Online Banking and/or email message from the first window and then use Enter. On the Mem More...
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21.
When Fiserv creates a member check with the credit union's name on it, where does it get the CU name from? Views: 608
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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22.
My member has contacted me and says they cannot view their check. What information do I need to collect for use when researching this issue? Views: 591
If a member cannot view their check, the research team needs the following information: Credit Union Questions What is your credit union name? Have multiple members reported that they cannot view checks? Are these members having the same experience when viewing their check? (See Member Questions. ) Has the check appeared on the Check Exceptions Report? (TNDET) Was this check cleared at the teller line? (Sometimes this is referred to as a counter-killed check.) Are you able to retrieve a chec More...
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23.
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: 571
Contact a CSR for assistance with this issue. The impact of the solution may vary from situation to situation.
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24.
A member is trying to log in to online banking and they are seeing a message: "It has been more than xx days since you last logged in to online banking. Your password has expired. Please contact the credit union to reactivate your password." What do I do? Views: 567
What This Message Means: This appears when your credit union has set a password expiration period for inactive accounts. This means that if a member doesn't log in to Online Banking for a certain period of time, their password will be deactivated. If a member sees this message, they cannot reset the password themselves and must contact the credit union for reactivation. What Steps to Take in CU*BASE: See the link below for step-by-step instructions. BE CAREFUL!! Always verify the person' More...
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25.
A member is getting an error code of 1 when they click on Pay My Bills. After a few tries, they got an error code of 2. What do these mean? Views: 563
When members receive an error code of 1 or 2, there is a very simple fix for it in CU*BASE. It's Me 247 online banking and bill pay (Fiserv) programs communicate with each other automatically through an authentication PIN every time we go from one to the next. When we see a status code of 1 or 2, it is telling us there is an issue with this PIN. It is easy to reset and the member will be able to get into bill pay within 24 hours. Launch Tool # 14 Member Personal Banker. Enter the member&r More...
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