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...

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...

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...

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...

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...

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.

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...

Use of the CLR Path tool is free, one of the many benefits of belonging to the cooperative network.

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...

No, the jump feature is not available in BizLink 247 . This is because of the multi-employee structure for business online banking. There is currently no mechanism to link the employee under one business membership to an employee under another business membership, so that the system knows what permissions to grant the employee once they’ve jumped. It's Me 247 supports jump but in this environment, members can only jump to memberships on which they are primary or joint. NOTE: Dur  More...

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...

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.

This enhancement will be implemented for all credit unions on January 28 th , 2024. Using Tool #475 Loan Workflow/App Controls , you can elect to send your incomplete online banking loan requests to show as a loan lead in Tool #13 Work Online Banking Apps/Requests . While these applications are removed from the LOS loan queue ( Tool #2 Work/View Loan Application Status ), they are not removed from the loan files until the configured purge days. Refer to the other knowledge base item below for m  More...

This enhancement will be implemented for all credit unions on January 28 th , 2024. Using Tool #475 Loan Workflow/App Controls , you can elect to send your incomplete online banking loan requests to show as a loan lead in Tool #13 Work Online Banking Apps/Requests . ( Refer to the help topic below for more details .) When you configure the sending of the incomplete apps to Tool #13, you also must enter a number in the 'Retain loan leads in the online request queue for xx days ' field. Lo  More...

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.

Early in January 2024, Google and Yahoo updated their email requirements for continued support of 3rd party email mailers. This includes CU*Answers. These updated requirements include requiring DMARC records for all domains that are processed by what they determine as a “Bulk Provider”. CU*Answers is considered a bulk provider, and so each domain we send on behalf of must have a DMARC record. A DMARC record is a DNS entry that tells recipient email providers how to enforce DKIM and S  More...

This enhancement will be implemented for all credit unions on January 28 th , 2024. It can prove to be time-intensive to task your lending professionals to work incomplete loan applications from members via online banking. Your credit union now has the option to move these applications to another tool. Through this change in procedure, you can assign the task of following up on leads to another team, such as your call center. First, ensure you have configured a loan delivery channel code for &ld  More...

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.

The reports on you would be looking for are the P1099*, P1098* and P5498* reports. These reports are sent to CU*Spy when we send the files to the IRS. They are bundled with the Daily Reports for that day. If the P1099* and P1098* reports are no longer in CU*Spy, you may need to look at your March Reports CD. The P5498* reports should be in CU*SPY or on your May Reports CD. We also send these reports to a credit union's inhouse eDOC server if you have one. The Tax CD you receive contai  More...

Based on today's technology and the ability to easily interface multiple types of systems, databases, and vendor products to the Internet, CU*Answers has adopted an open business philosophy. Our cooperative model demands working with all partners that credit unions need in the technology arena. Even beyond technology, CU*Answers is open to the credit union community through posted documentation, specifications, and help systems on the Internet.

Forward cash collection allows your credit union to realize the full benefits of Check 21 by performing total electronic deposit automation. CU*Check 21 allows your credit union to streamline operations by combining encoding, endorsing, filming, bundling and transporting deposit items into a single step. By using CU*Check 21 for forward cash collection, your credit union eliminates the need to send most physical items for collection.

Through our clients, and through the work we do in the industry either through sales efforts or educational/partnering projects like Member Value Network or Callahan Associates. It is important that credit unions focus on what works for them based on their scale, ability to reach members, and controlling costs. CU*Answers will be hesitant to spend funds to chase MBNA and others who rely on a completely different set of market conditions to make a dollar. Credit unions must use the advantag  More...

CNS offers our clients a variety of solutions to maintain software hygiene on their networks. Most of these solutions are automated, and with user cooperation to complete reboots, it's relatively easy to keep your systems up to date with current software versions. However, there are some important limitations to the automated processes that are important to understand. This article presents those considerations. For Complete Care Clients that do NOT Elect Third Party Patching Services:   More...

Short for V oice o ver I nternet P rotocol , a category of hardware and software that enables people to use the Internet as the transmission medium for telephone calls by sending voice data in packets using IP rather than by traditional circuit transmissions of the PSTN. One advantage of VoIP is that the telephone calls over the Internet do not incur a surcharge beyond what the user is paying for Internet access, much in the same way that the user doesn't pay for sending individual e-mails over   More...