Yes. Xtend offers a data hygiene campaign to assist you with cleaning up your email and phone numbers. Click the link below to learn more.

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...

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...

What report is available to review potential Approved Positive, Settled Negative (APSN) debit card transactions? To allow CU*BASE credit unions to manually review and, potentially, refund Automated Non-Return (ANR) and Insufficient Funds (NSF) fees for potential Approved Positive, Settled Negative (APSN) debit card transactions, the Asterisk Intelligence team has constructed a query that attempts to identify suspect transactions. A “AP/SN Fee Posting Report” is generated from this Qu  More...

As announced in the communication linked to below, credit unions will start incurring costs for text messages for MFA in the April 2025 invoice. There are several strategies your credit union can take to control the cost that you may incur. (The screen used to configure MFA is linked to below. It is accessed via Tool #569 , then Online Banking Password and Settings . MFA settings are configured on the second screen.) Try one or more of these three strategies on that screen: Choose a longer inter  More...

Yes. As covered in the announcement below, credit unions are being billed for MFA texts starting with their April 2025 invoice. See the related links for how you might lower your costs of MFA.

With MFA, the member is presented a text message for a secondary authentication into online banking. Because of this, your credit union may wish to do the following to update the personal information that you have on file for your member. Xtend offers data hygiene campaigns to clean up your contact database. See the link to Xtend’s program below. You can add a banner in online banking that directs the member to the page where they can update their personal information in online banking the  More...

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...

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.

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

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...

Microsoft has thousands of products, and we do our best to help our client-owners maximize their utilization of what Microsoft offers. However, there are important limitations you should understand regarding the service CNS is able to offer related to these products. As a cooperative, we pool owner resources to bulk buy solutions and offer them to you at the lowest prices we can. We do not charge separate management fees for Microsoft products, which keeps your costs for them as low as possible.  More...

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...

As of May 2025, CU*Answers and its cuasterisk.com network partners provide services to 382 credit unions in 44 states, representing 2.87 million members.

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 services to credit unions across the country. As of May 2025, CU*Answers serves 222 credit union clients in 34 states. Along with our cuasterisk.com partners, we provide services in 44 states, including Hawaii, Alaska, and the US Virgin Islands.

As of July 1 st , 2025, the Reg CC amounts adjusted for inflation. The new release amount is $275.00. To remain in compliance, CU*Answers updated automated processes; however, there are items to consider that may need to be updated by the credit union. The list below includes items to consider but may not be all encompassing. Funds Availability Policy Websites Member Forms Internal Procedures/Policies Member Notices ( Tool #258 ) Misc. Member Account Forms ( Tool #261 ) CU*Publisher Custom URLs/  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.

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...

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.

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...