Yes! Our Balancing Made Easy Handbook gives procedures for daily accounting tasks, settlements for ACH, Share Draft, ATM / Debit card activities, dividend and interest accrual processing, and end-of-month activities. This handbook also includes steps to take to find out-of-balance situations. We recommend this document be used as the first step in both training and reconciling CU*BASE general ledger functions. The link below will take you directly there! G/L Vault back office

When a credit union statuses a member's card as 'HOT' or warm (Lost/Stolen/Fraud/Restricted), this information is transmitted immediately to your vendor to stop any further withdrawals/purchases being performed with that particular card. But at your vendor a 'Hot Card' is not considered to be a closed card. When your member's card remains at a HOT or Warm card status on CU*BASE, CU*BASE is still required to send any maintenance updates such as address change, phone numbe  More...

The settings that control how this works are part of Tool #558 NSF/Overdraft Transfer Configuration , on the Overdraft Protection Activation screen. There are two flags for ANR/courtesy pay: Use Negative Balance Limits for Authorizations and Use Negative Balance Limits for Posting . They control whether the member's ANR limit is added when determining the available balance amount. There are four different combinations of these flags: Authorization Flag Posting Flag Description of Result  More...

Per CO-OP, both the ATM side with CO-OP and the debit card side with EFUNDS gets updated with the hot card status. Service Center SC24 Coop

The MSG TYPE values describe types of 'authorizations' and 'transactions' processed through the CO-OP network. Authorizations: (100 110 120 130) For PIN Authorizations there is no hold on the member's funds. However, Signature Authorizations place a hold, CU*BASE shows this as a debit authorization comment in OTB processing. In either case this transaction is not posted to the members account. This is just a POS (point of sale) authorization for the merchant. It could be e  More...

CU*BASE does not perform any automated card reissues for any credit union or vendor. With the exception of two platforms*, all plastic card reissues are done for the credit union by their vendor. The normal process is the vendor sends the CU a couple of reports once monthly (usually 6 weeks out from expiration of card). One is a reissue report, the other a non-reissue report. The CU reviews and makes changes to the vendor system prior to their cutoff date for ordering the reissues. All cards   More...

No. ATM transactions are not included in the debit card round-up toolkit. It is either signature-based debit card transactions or POS (pin-based) transactions.

First, use Tool #146 ATM/Dbt/Crdt: BIN Config Inquiry to review what your current limits are. Then, if you would like to change those limits, contact the Cards Payments team ( cardsandpayments@cuanswers.com ) and we’ll be happy to assist with that change.

The consequences of accidentally NOT ordering a card, while inconvenient, are slightly less than the consequences of ordering a card unintentionally. That’s especially true in cases where ordering a card automatically shuts down an existing card, like when there is a second person with that card that suddenly can’t use theirs. (Depends on the vendor setup.) There are situations where CUs use the card reorder feature to change PINs only, or update expiration dates, or something else a  More...

If an employee attempts to order an ATM, debit or credit card for a membership with a SSN/TIN that appears on the plastic orders denial of service block list, an employee cannot order the card. If the employee tries to order a card (via ATM/Debit Card Maintenance (Tool #11) or Update/Order Online Credit Cards (Tool #12), during the membership open process), or when creating a credit card loan, or when adding an OTB credit cards (via Member Inquiry (F1), then OTB/Cards (F17)), they will see mess  More...

If the credit union’s back office has determined that it’s ATM, debit, or credit card G/ls are ‘OUT OF BALANCE,’ they can use the reports below to assist in locating transactions which should have posted but did not post to the general ledger. The recon program documents the differences on two recon reports. The Online Reconciliation Recon to Online Match (PRCNXX1) documents the entries made in the vendor file and any entries that appear in the vendor file that are not  More...

Launch Tool #145 ATM/Dbt/Crdt: Audit Card Status Changes , locate the activity record (the User/Employee ID column will say ONLINE STS ), select it and choose Additional Status Information. The following vendor response codes may be sent from STAR/PSCU: ■ 00 - Successful ■ 25 - Record Not on File (P) Card not in CMA ■ 26 - Record Already on File (AM) Card already activated ■ 29 - Unsuccessful (any other denial code) SGD Activation not supported, any other problems with processing the trans  More...

The process can vary a bit according to the vendor, but here's a discussion about how it works for credit unions on the CO-OP network, as an example. In most cases, debit card authorizations create a Misc. Secured Shares record on the member's account to hold the funds. When the actual transaction comes in, this record is automatically deleted. (There are exceptions to this rule, such as gas purchases.) A little history: In the past, debit card authorizations would add a hold to an ind  More...

During the initial rollout the Imaging Solutions team will be offering regular training webinars to explain what your staff will need to know, as well as show examples of the member experience. We’ll record some of these sessions and post them online for your team to review. We’re also working on a couple of demo videos that will show the software in action and give tips for new users. Visit http://www.cuanswers.com/products/imaging-solutions/ for the latest details.

In many cases, the reason an opted-out member receives the non-return fee is because this transaction is a recurring payment. Recurring transactions are not covered by the Reg. E Opt In/Out requirements. You can identify this by the * after the DBT/WDR trans description on the member's transaction history. Recurring transactions are posted and fee'd even if the member is Opted Out.

Changing the member's name via Tool #15 Update Membership Information does not automatically change the member's name in the PLASTICS file. You would need to access Tool #11 ATM Debit Card Maintenance , highlight the member's card, and select Reorder Card/PIN. You will then be able to change the member's name and order them a debit card with the correct name information. Before selecting Add/Update, make sure you only select Order Card, and deselect the Order PIN and   More...

If you are a new client, the CU*BASE Conversion Team will provide you with a tentative schedule for the 3 weeks of virtual or online training. You may adjust this schedule as needed, assign trainers, and attendees. For existing clients, visit our web site at www.cuanswers.com , click Clients then Education to view all education opportunities, including online courses.

Yes. You can pull a credit report for any service using the online credit bureau process. Using Tool #53 Process Member Applications, use action code CR to pull the report without creating a loan request and application. We can then create Member Services denial notices for debit cards, checking accounts, ATM cards, etc.

Yes, you can designate your credit union's own savings (or checking) account number to receive round-up funds when setting up a member's round-up transfers, if you wish. 1. Launch Tool #14 Member Personal Banker for a member who wants to participate 2. Select the Debit Card Roundup enrollment button and double click on the member's desired suffix 3. Enter in your credit union's internal account for the account to which you'd like the round-up funds transferred (this accou  More...

The fields are related to Process Codes, in that they are derived from the code attached to the message received from the plastics processor (vendor, or switch). The Type you see in the initial Type column of the Activity screen relates directly to the Transaction Description when you view additional transaction details. Transaction types may not apply to all vendors. Examples of these labels are as follows: DEP (Deposit Transactions) ATM/DEP A deposit made at an ATM. ATM/DEP - including a $  More...

Per REG DD the ODP, LOC or other funds available in another account cannot be displayed when a balance inquiry is initiated. The ATM inquiries and resulting balances on ATM receipts will still show the member’s real, actual balance for just the specific account being viewed. If there is a negative balance on the account being viewed, CU*Answers will not send a negative balance so the balance will show as zero.

Yes. Since the program is for SD application type only and is not posted immediately on a per transaction bases, both Online and Batch ATM/Debit Card processing is supported. The Debit Card Round Up program is at at End-of-Day (EOD) and will look at the transaction file for Origin type 13 (PIN) and 16 (SIG).

No. This law actually pertains to merchant card programs where the merchant is collecting payments for services and goods sold. Since we do not run merchant programs on our platform, this reporting requirement does not apply to us.

Seven-day back-office processing has no effect on the releasing of uncollected holds, including ATM deposit holds. If your credit union has set up holds to calculate based on business days, then release dates for these types of holds are calculated based on the configured credit union business days (the days the credit union branches are open).

View your DAILYxx output queue and put the report on hold. Then attach your printer to the DAILYxx OUTQ and the system will print only those reports on a RDY (ready) status. All reports in the DAILYxx OUTQ will route in the evening according to the OUTQ routing screen.