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...

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...

Here are some ideas of things to remind members: If an online banking username was set up, the account number can no longer be used to log into the account. (If the member cannot remember the username they set up, after verifying their identity use Tool #14 Member Personal Banker > Online Banking/ARU (activate, change PIN/password; view password history) > Display Username to delete the username. Your member number is the main account number that identifies your relationship with the cred  More...

Your credit union can define the minimum length of the password (from 6 to 10 characters, although we recommend you set the minimum to at least 7 or 8 characters). The password can contain numeric, alphabetic, and special characters, and it is case-sensitive. As an option, you can also activate complex password requirements. (See the links below for more details on this optional feature.) The default password for new members is last four digits of the SSN/TIN, and the member is required to c  More...

Contact a CSR for assistance with this issue. The impact of the solution may vary from situation to situation.

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...

Since the list of valid values changes periodically, we suggest you use the Database Search Assistant to look up the most current set of values in this field: Launch Tool #332 Database Search Assistant Select Table and enter AUDICC in the search box and press Enter to search Click the View columns lookup button in front of the AUDICC table in the list Click the More information button in front of the CCLOGT column/field name

The member can call Fiserv's collection line at 800-848-1337. Once the member has settled the debit with Fiserv, their account can be reactivated.

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...

Refer to online banking help using the link below for current usage requirements.

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...

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...

Yes, the credit union has a configurable option to allow the loan application to appear in online banking. You can also set up the application to appear directly on your website, and both members and non-members can complete the application and the data will be funneled directly to CU*BASE (no re-keying necessary for your lending staff!). Online Banking PC home banking It's Me 247

Assuring quality for an Internet product like Online Banking is much more challenging than CU*BASE product releases. CU*BASE is based on a partnership between CU*Answers and the credit union, where hardware and software specifications can be more easily controlled and agreed to by both parties. Online Banking , on the other hand, involves multiple partners and factors that can affect the product’s performance: member skill levels, browser software performance, Internet Service Provider iss  More...

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.

One of the hardest things to do with a 7x24 product like Online Banking and PIB is to decide when to implement software changes. Unlike CU*BASE changes that easily can be coordinated with normal credit union operating hours, Online Banking changes must work around member usage patterns and support concerns. If a member needs to check a balance or transfer money at 3:00 in the morning, he can’t just pick up the phone and ask a credit union MSR to handle the transaction for him. Because of t  More...

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...

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 a phone call. (1) How does a credit union generally recommend or facilitate a member giving access to their private informatio  More...

CU*TALK is the licensed and registered ARU (Audio Response Utility) software product written and owned by CU*Answers. CU*TALK is a convenient audio response service, that allows you to use a touch-tone phone to review account balances, verify whether certain checks have cleared, transfer funds between accounts, make loan payments, check current interest rates, and obtain annual dividend and interest information. CU*TALK allows you to take care of credit union business at times that work best for  More...

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...

Members cannot opt out of receiving the eStatement notification message. Their only option is to unenroll from eStatements if they do not want to receive these types of emails. Education is key in this area. Use Tool #262: Configure Monthly eStatement Emails (or Tool 497: Member Connect Marketing Tools, then Message Type ES) to update your eStatement notification text. Learn more by clicking the link below.

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...

Remember that your credit union’s responsibility for mitigating risk doesn’t stop when you flip the switch to turn on PIB. Your policies and procedures related to offering and supporting home banking services for members are just as important. Make sure you have also considered: Your password controls and education program. How you manage resetting passwords for members. Your policies and procedures for how home banking is implemented for new memberships. Policies for expiring pa  More...

The key is communication. CU*Answers uses the CU*BASE Alerts page as well as direct email or fax notifications where appropriate to let credit unions know when we are making changes to Online Banking . For the credit union it is much trickier. What kind of alerts should you put in place for members? Members are often unaware of changes or interruptions because they simply were not using the product or feature that changed, or were not trying to be online during the interruption. So do you broadc  More...

To see the member's username, go into Member Inquiry or Phone Operator and click the Online Banking button. Then click the Display Username button. Just like if a member forgot their account number, you'll want to follow your normal procedures for verifying the person's identity before disclosing the username. Or if you wish, you can clear the username entirely by choosing the option to change the member's password Tool #14 Member Personal Banker. Then use the Display Usern  More...