We strongly recommend that you regularly test access to the HA server to ensure that you can connect to CU*BASE in the event of an HA rollover test or actual disaster. We recommend that you perform this test monthly and whenever you make a change to your network. To perform this test, follow the instructions below. 1. Ensure that Telnet is installed on your workstation. If you are running Windows 10, you’ll need to install Telnet. Visit https://social.technet.microsoft.com/wiki/conten  More...

The NSF Statistics Dashboard (Tool #557) will track this information for you automatically. It is separated into the NSF category and the Courtesy Pay Category. Credit unions are using this dashboard to help predict averages of NSF/Courtesy Pay fee income and also to track how many members may be using the service. You can click on any of the origins (listed in blue text) and you can drill further to members who had more than X transactions in a specific month. There are a lot of graphical oppor  More...

The previous tools used for uploading and downloading to and from CU*BASE will be retired when your credit union recieves the 20.07 CU*BASE software release. For online and Site-Four credit unions, that date is Sunday, July 12. Self-processing credit unions will receive the release the following Sunday, July 19. To replace the two tools, a new tool was introduced in November 2018, Tool #1375 Data Transfers (Upload or Download) . Following the release, this tool will be the default data transfer  More...

CU*BASE has a tool that displays application statistics in a handy dashboard format. Tool #472 Loan Queue Activity Tracking allows you to choose a date range and branch to filter the information, with additional filters such as Underwriter Code, Delivery Channel, Interviewer ID, Loan Category, Product Code, Dealer #, and Business Unit, if you wish. You can also use this dashboard to analyze the data you've selected in your filters, as well as export to a PDF or Excel format. This dashboard c  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...

On the Teller Deposits/Withdrawals screen, you can use one of the following Process Codes (enter the code into the far-right Proc Code column next to the loan account): L - Use this code to post the ENTIRE deposit amount to principal X - Use this code to override the default payment matrix and specify exactly how the payment amount should be distributed between principal, interest, escrow, fine, etc. For more details, click on the links below to open related online help topics. NOTE:   More...

How you apply the payment properly depends on what type of situation you are in. Following are instructions on how to handle both prepaid interest types. Perform these entries via Tool # 492 Member Account Adjustment (Full) : If the prepaid interest is a positive entry: Type Amount Description Interest Offset G/L# Offset Location 92 $X.cc PREPAID INT $X.cc INT G/L BR# 85 $X.cc PREPAID INT $X.cc INT G/L BR# $X.cc is the prepaid interest amount The first transaction puts it into the interest buc  More...

Flex Loans allows members in It’s Me 247 to request a change in the term of their loan, which results in a payment change. This is permitted on configured products with monthly payment frequencies. The loan modification request can be immediate if the member is qualified and your credit union activates auto approvals. Otherwise, the member’s request is sent to the LOS loan queue ( Tool #2 Work/View Loan Application Status ) to be approved or denied by your loan officer. First, it   More...

If you are considering purchasing a new workstation, here are some questions to ask yourself to ensure that you get all the features you need! First, be sure to review the CU*BASE workstation hardware and software requirements on our best practices page: http://cuanswers.com/client_pm_bp_network.php When purchasing any workstation, consider: 32 or 64-bit Operating System? CU*BASE and ProDOC are compatible with either operating system - but CU*Answers cannot make any guarantees about third part  More...

At the Membership Level we first check to ensure that there are no OTB relationships (Could be an OTB Card or OTB Account). One the following messages may appear (the following are all hard stops, meaning the account cannot be closed until these are taken care of): Membership attached to CRDT type OTB account Membership attached to LOAN type OTB account Membership attached to SAVE type OTB account We will also check to ensure that no batch/online cards are attached to the membership. One of the   More...

This happens rarely, but usually when we see orphaned records like this it's because the employee exited their CU*BASE session improperly in the middle of processing a transaction, either by clicking the close button or due to an unexpected power or communications interruption. For example, once a cash transaction is posted and the CTR screens are presented, the user must proceed; there is no way to back up and cancel the transaction at that point. Some users get desperate and click the   More...

A 1096 IRS Tax Form is required if an institution is filing your IRS Tax file using paper format. Since CU*Answers transmits your IRS Tax File electronically this form is not required to be completed. Reports (P1099 x, P1098 x , P5498 x) are generated automatically for each form type are generated when our Operations Team creates the files for the IRS in February and May. These reports contain the totals for each tax form type created.

Always use the Last Name (LNAME) field. This applies to all accounts. For example, Organizational, Trust, or MO accounts always use what is entered in the Last Name (LNAME) field. The Name ID field is not used.

The CU*BASE system does not have an automated method of calculating the payoffs for loans with a 30/360 interest calcuation type. The number of variables relative to the timing of the payoff, interest accrual, and interest calculation methods require that this function be done manually by someone who thouroghly understands the mortgage market. Interim payoffs on 30/360 loans are typically calculated by using the daily interest calculation method. As an example, the member calls on the 5th,   More...

The 21.10 CU*BASE release included a new data table for storing HMDA data fields, plus additional options for fields to record data. The previous capabilities for HMDA data were 19 fields in the CLMLTRL table, and with the release these fields were moved and renamed. HMDA data fields are now stored in the HMDAFDTA table, location FILExx (xx = your credit union ID). Below is a listing of fields that were changed . Keep in mind that the release in 21.10 also included many new HMDA fields that you   More...

Your credit union can opt to release funds differently for amounts above a certain dollar amount threshold (such as $5,000), on a single deposit. This affects how all deposit holds are placed, no matter how other channel-specific settings (teller, mail/direct, Remote Deposit Capture (RDC), and ATM) are configured. One place this will not be used is with National Shared Branch (COOP) transactions. For example, if a member deposits a $17,500 check, the system could be instructed to hold the first   More...

The only way to retrieve the information is to use Query. The table name is HBMASTER in your FILExx library. The deleted record remains in this table, but will have a status of X .

CU*Answers consistently reviews It’s Me 247 online banking activity to ensure smooth operations and avoid service interruptions. Starting September 19, 2022, we are implementing new control options aimed at mitigating the risk of brute force attacks. These control options were designed to prevent performance issues from the system being flooded with requests from a single location. For example, we saw a significant amount of suspicious activity from Russia, which led us to implement a c  More...

Well, in PC terms it means to stretch the window in which an application appears so that it completely fills the screen from one edge to the other. A window that is maximized cannot be moved or resized. To maximize, click the button immediately to the left of the close ( X ) button in the upper right corner of the window. (This is a toggle button; click it again to remove the maximize option and return to a normal window that can be moved or sized freely.)

The following Reason Codes are used with the A2A processing: 00 - Payment accepted 01 - Invalid bank routing number 02 - Invalid checking account number 07 - Algorithm code invalid 08 - Invalid alternate company 09 - Missing or incomplete data in URL 10 - Invalid date format 11 - Invalid access number 16 - Bad password 17 - Invalid User ID 18 - Transaction already processed 19 - Account info does not match 20 - Invalid credit card number 21 - invalid credit card expiration date 22 - Credit card   More...

This error occurs when trying to print a document that is specified for one size of paper to a tray in the printer that is set to print on a different paper size (for example, printing a document that is designed for an 8.5” x 11” sheet of paper to a tray that is set to legal size paper). The error can also occur if you have the wrong size paper in the drawer. The solution to this problem is you either have to change the tray to which you are printing, or change the setting of the tray on the pr  More...

Here are just a few ideas: Configure an NSF fee to be per item or per day. Most CUs have not approached the per day concept, but it is available to prevent multiple fees from posting to members when multiple items are NSF on the same day. (Find this in Tool #558 NSF/OD Transfer Configuration .) Configure your ANR fee not to be assessed within $x of the member's available balance. (Find this in Tool #558 NSF/OD Transfer Configuration .) Configure a maximum ANR fee per day (daily caps). (Fi  More...

Yes, the system runs a special algorithm to verify that it is a valid number. For each of the first 8 digits in the routing number, multiply it by the weight. Add the 8 results together, then substract the last digit of the sum from 10. The result should be equal to the 9th digit of the routing number. Example: Routing number: 6 7 2 4 6 0 7 1 9 Weight: 3 7 1 3 7 1 3 7   More...

Corporate One FCU closes for all federal holidays. Credit for checks scanned the day before any federal holiday will not be available until the first business day after the holiday. If you scan checks on the holiday, credit will not be available until the second business day after the holiday. For example, say President's Day is Monday, February 19. Credit for checks scanned on Friday, Feb. 16 would not be available until Tuesday, Feb. 20, after 10:30 am. If your CU was open and you scanne  More...

Loan Rate Benefit Calculation: (Benefit / 100) / 365 (or 366) = Daily Factor (truncated to 9 decimal places) Daily Factor x Current Loan Balance = Daily Benefit Accrual (rounded to 2 decimal places) Ex: Rate Benefit = .250, Loan Balance is $10,000.00 .250/100 = .0025 .0025 / 365 = .000006849 .000006849 * 10,000.00 = .068 rounded to .07 Share Rate Benefit Calculation Benefit / 36500 (or 36600) = Daily Factor (truncated to 8 decimal places) Daily Factor x Current Share Balance =  More...