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  • 1. 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? Public
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    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...
  • 2. What are Trends in Analytics Booth? Public
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    Analytics Booth Trends provide a quick and easy way to view your credit union activity over time. Trending information can show how your credit union is performing. Watch for blips and spikes to see if marketing campaigns are succeeding. Did you run a new membership drive last month? Watch the trend to see how it paid off. Trends can be viewed on over fifty key performance indicatiors including balance, member, and transaction data. The graphs displayed on the trends screen can be selected to  More...
  • 3. Can I change the graphics that display in Xpress Teller? Public
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    Yes, you can customize the entry screen of Xpress Teller with four custom graphics using CU Publisher suite. All four graphics can have hyperlinks. This feature allows you to market special services, offerings, promotions, or other campaigns you wish to keep top of mind with your staff as they assist members. Learn more about this feature in the store. See the link below. When uploading graphics CU Publisher be sure to use graphics that are 420 x 210 pixels if you use the standard size screen.  More...
  • 4. What do I need to know about the 2021 tracker automated purges starting March 1? How can I get a data warehouse to archive my tracker data? Public
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    The Asterisk Intelligence team has provided a helpful PDF explaining what is happening and how to sign up for a data warehouse before March 1st. View the information first, and vist the CU*Answers Store to sign up for a data warehouse !
  • 5. How do I tell my members to contact support when they need help with "It's Me 247" Bill Pay (Fiserv)? Public
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    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...
  • 6. Does CU*BASE offer its own native Shared Branching capabilities? Public
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    Yes! It is included in the CU*BASE product at no extra charge and provides a full Teller interface between two CU*BASE online credit unions, whether part of the Xtend Shared Branch network or just a credit union-to-credit union contractual arrangement. That means daily automated entries to your settlement and fee G/Ls. Some credit unions use it for additional service to their members or it can be a contigent disaster recovery configuration. The extent to which the credit unions cooperate is full  More...
  • 7. Where can I find Fiserv's SAS70 Report? Public
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    Fiserv posts thier SAS70 Report on the Client Connect web site. Credit unions that are on an individual site, have a log in to Client Connect, so they can gain access. Credit unions on the Cooperative Model do not have access to Client Connect, so they would need to contact our Customer Care Specialists to get the report.
  • 8. Why does CU*Answers charge a monthly fee for running service charge programs we configure ourselves in CU*BASE? Public
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    There are two primary reasons we charge this fee: Our belief that we should do our best to keep our fees down when credit unions do not earn. This is why, for example, It's Me 247 Mobile Web is offered free to our credit unions. It's also behind our constant pressure to reduce fees where CUs have no basis or belief they can charge for a defensive, relationship service. Charging for these services in this manner fund other areas where the direct expenses cannot easily be identified wi  More...
  • 9. 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? Public
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    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...
  • 10. How much does it cost to use the CLR Path Decision Advisor? Public
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    Use of the CLR Path tool is free, one of the many benefits of belonging to the cooperative network.
  • 11. How do member phone numbers work as they relate to card orders and maintenance? Public
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    CU*BASE uses phone numbers that are stored in the MASTPH file when generating card activation information to send to vendors on initial card orders. The numbers in MASTPH are determined by the label/flag applied in Tool #3 Open/Maintain Memberships/Accounts or Tool #15 Update Membership Information as follows: Nighttime # - primary phone number sent to vendor and defaulting into the Card Activation field when ordering a card. Daytime # - secondary phone number sent to the vendor. Mobile –   More...
  • 12. I understand there was a format change to the AIRES file in June 2021. I am having trouble uploading it to the Brick and Associates ALM software. Any tips? Public
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    The change was made to comply with NCUA requirements for the AIRES format. (We performed a beta-test of this with the NCUA in June 2021.) If you are having trouble sending those files to third parties such as your ALM provider, you will either need to make any adjustment to the file before sending it (instructions below), or contact your provider and ask them to adjust for the new NCUA format. The change that was made affected the number of fields (columns) on the report. Previously the AIRES  More...
  • 13. What should I pay special attention to during 2020 year-end processing, in regards to this year's 1099-MISC changes and the new 1099-NEC form? Public
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    When using Tool #990 Work With Accounts Payable Vendors to verify your 1099 vendor information, take special care that you are entering the correct 1099 box number from the 2020 1099-MISC form instructions; especially paying attention to box numbers that changed, including 7, 9, 10, 12, and 14. As an example, if your vendor reports Gross Proceeds Paid to an Attorney , that was previously box 14 and is now reported in box 10, so in order to report this correctly you must change the 14 to 10 on t  More...
  • 14. How to change website links to "BizLink 247" instead of "It's My Biz 247" Public
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    Between February 23, 2021, and June 11, 2021, credit unions who have links from their website to our business online banking product (formerly known as It's My Biz 247 ), will need to adjust the URL on those links to BizLink 247 as follows (the parts in red are the only parts that need to be changed, and ### represents your online banking ID): OLD ADDRESS NEW ADDRESS https://www. itsmybiz247 .com/###/Authentication/Username https://www. bizlink247 .com/###/Authentication/Username https://  More...
  • 15. What is a Source of Receipt and how do I get a copy of one? Public
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    Source of Receipt (SOR) is the paperwork that accompanies the checks to the Check Processor. It is the documented proof of when and from whom the checks were received. SOR provides the ABA# of the bank the checks are received from, the date of the cashletter, the amount of the bundle the check was in, the position of the check in the bundle (checks before after), and the tracer number assigned to the check. On the form you'll see a couple of abbreviations: IB stands for Item Before that   More...
  • 16. How does 7-day processing affect beginning-of-day (BOD) and end-of-day (EOD) processing? Public
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    With 7-day processing, beginning-of-day and end-of-day processing is run every day. Beginning in 2021, CU*Answers also runs EOD/BOD on Federal holidays, including Memorial Day, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day.
  • 17. When are AFTs posted by CU*Answers for its online credit unions? Public
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    The following applies only to online credit unions processed by CU*Answers. All times are approximate. Q: When are AFTs posted? A: CU*Answers processes auto-funds transfers 365 days a year, including Sundays and holidays. Depending on your credit union's configuration setting, this will either happen during end-of-day (EOD) processing at the end of the business day, or during beginning-of-day (BOD) processing at the beginning of the business day. For CU*Answers, EOD and BOD are typically r  More...
  • 18. I have moved to the new look and noticed that the URL in the address bar of my browser reads "beta.itsme247.com" - what does that mean? Public
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    This is a temporary site we are using during the rollout process. Since CUs are being moved over to the new look gradually, we need to keep the itsme247.com site running as before to service CUs while they are getting ready for their rollout date. When your credit union goes live on the new software, we automatically instruct the system to redirect any traffic to that site for your credit union to the beta.itsme247.com site instead. This is temporary. Once all credit unions have been switched  More...
  • 19. With the new look members are asking where they can go to see all of their accounts with totals of savings, certificates and loans. Was that feature removed? Public
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    No, you can still see a list of all accounts in the Full Account Summary, including a column for due dates in the Loans section. (Tip: Sub-totals under each section were also added as of 11/9/2021.) Remember that the home page is just a list of favorite accounts, not the full account summary, which is why it’s not separated into categories and doesn't include as much info (like loan due dates). If you scroll to the end of that list and click the Full Account Summary link, you get the  More...
  • 20. How does 7-day processing affect (scheduled) Automated Fund Transfers (AFTs)? Public
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    With seven-day processing, AFTs are processed seven days a week, including on Sundays. They will be processed at either end-of-day or beginning-of-day processing, according to your credit union's configured settings for incoming and outgoing AFTs. Starting in 2021, CU*Answers also processes AFTs on all Federal holidays, including Memorial Day, Independence Day, Labor Day, Thanksgiving, and Christmas.
  • 21. Explain in more detail how data is gathered for display on the "Where Your Members Shop" dashboard (Tool #979). Public
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    Data initially comes from the previous month's TRANSx files. For example, if today was 11/23/2021, then the dashboard would be getting data from ETR10211, ETR10212, and ETR10213. Criteria for data is as follows: Where origin (TRORIG) is equal to 11 (ACH) or 13 (ATM/Debit-PIN) or 16 (Debit Card-SIG) or 22 (Credit Card) Of these records, do not include tran type (TRTYPE) equal to 38 or 46 Only use account base (TRACCTBS) where employee type (EMTYPE) = 0 (in other words, exclude accounts flagge  More...
  • 22. How do GOLD updates work? Public
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    The update process consists of three steps: Get the update package from CU*Answers Unpack the update package Update the PCs at your site Files are created by our programming team that need to get to you when it is time for an update. The combined size can be very large. To reduce the size, the files are bundled and compressed. The resulting package is placed on a server here at CU*Answers. You contact that server and retrieve the update package using either a GUAPPLE device or shortcuts that you  More...
  • 23. What are the benefits to partnering with a CUSO? Public
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    CU*Answers provides a unique business model. It is built upon the concepts of credit union equity, return on investment opportunites and a level of participation, cooperation and client utilization that exceeds traditional client and vendor processing models. For a more complete discussion of our unique vendor model, take a look at our most recent Annual Report.
  • 24. What are the beneifts of becoming an owner of CU*Answers? Public
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    Ownership is CU*Answers offers investment opportunities with not only the 200 Shares of Class A stock, but the ability to purchase Class B stock, recieve patronage dividends, and participate in debenture offerings. Owners can be nominated for the Board of Directos and are given one vote for those elections. In addition, your voice contributes to the basic cooperative concept of a CUSO in parallel with the Credit Union industry business culture.
  • 25. Is e-signing for loan documents the same thing as Packages from eDOC Innovations? Public
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    No, this is completely separate. With this free eSignatures solutions, all forms must be sent one at a time and are tracked independently as already described. If you have an in-house vault or are interested in a more sophisticated solution for bundles of multiple forms, contact Imaging Solutions and ask about Loan Packages.