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 four flags: 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 N N Negative bala  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 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...

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.

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.

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.

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...

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.

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...

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...

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).

The short answer is that transactions are sometimes getting denied because of a combination of secured funds and a backup of pending items that are waiting to be posted. When an authorization comes in, CU*BASE reviews the account and approves the transaction based on the member’s available balance. To avoid approving something we shouldn’t, CU*BASE always calculates the available balance minus any transactions that are currently in the queue, waiting to be posted. Unfortunately, if t  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...

The reports associated with the Standard ATM/Debit process are as follows: LPANTX1 Detail Information for transactions (Card # order) LPANTX2 Summary Information for transactions (BIN order) - USED FOR BALANCING SETTLEMENT TOTALS LPANEX Exceptions report (Broken down into three sections: Denials, Unposted Items, and ISA Fees) LPANAC1 Detail Information for transactions (Account # order) LPANAC2 Summary Information for transactions (BIN order) PADLIM Report  More...

Yes. When reviewing the history on the account, you can select the additional transaction information for the transaction in question. This will take you to the Recorded Card Activity screen for this transaction. The top of the screen presents the last four digits of the card #, and right below that, the embossed names. If a husband and wife each have a card with the same PAN (card #), you can find the card sequence # in the top right corner of the Recorded Activity Screen. This will allow y  More...

Message Types are utilized by CU*BASE to determine what action is to be taken for this transaction. The original message type is the incoming message received by CU*BASE from your vendor. Depending on the Message Type received by CU*BASE, the system could perform any of the following type of transactions (this is not an all inclusive listing): Balance Inquiry Request for Authorization of Transaction Advice of Authorization (Vendor/VISA/MC approved) Transfer of Funds Request Reversal of Transac  More...

There are three choices. 1. Manually add the estimated finance charges to the balance of the account and have the member make the full payoff at that time. Then clear the cumulative balance on the individual buckets to ensure that there are no finance charges assessed on the account. To do this you will launch Tool #20 Update Account Information. Select the credit card account and then select F16/Chg Type Maint. Select the individual bucket and select the Maintenance action code. In the cumulat  More...

The information you will want to write down or print when ordering cards at the vendor is the PAN number. Once you have the PAN from the vendor you will launch Tool #11 ATM/Debit Card Maintenance in CU*BASE. Once in this option, enter the member's account base. If the member has existing cards, use F6/Add Card. If they do not, simply select the correct BIN for the new card. In the Card/PIN Order screen you will notice that the Card # at the top of the screen is view only. To unlock thi  More...

T o order an online credit card for a co-applicant on the loan account, you would complete the following steps: Launch Tool #12 Update/Order Online Credit Cards Enter the member number and suffix for the Visa loan account OR If you have the last 4 digits of the primary member's Visa card number, you may enter that instead Use Enter to continue On the next screen you will see a card that has been ordered for your primary member only. On the lower left corner of the screen, choose Add   More...

In some cases, the general upload file that is received by CU*Answers on a daily basis only contains accounts where a member has had a change to their account. Contact your OTB vendor to see if you can request a full file to be sent so that all card information would be sent in the upload file to CU*Answers. (In some cases if your CU is already being charged for the upload it is possible there would be no change in price to have the full file sent over.)

The Member Service Denials feature (to create/print denial notices) can be accessed via a Denied button located within Tool #3 Open/Maintain Memberships/Accounts. A credit union can configure miscellaneous member service denial notice types such as: ATM/Debit Card application denials, checking account denials, membership application denials, etc. These member service denials are commonly used for denied services that would not involve a loan application/request.

Our policy is to adhere to PCI Data Security Standard/Security Audit Procedures mandates (these are the rules from Visa about how ATM, Debit, and Credit Card information is protected) which read as follows: 3.3 Mask PAN when displayed (the first six and last four digits are the maximum number of digits to be displayed). Note: This requirement does not apply to employees and other parties with a specific need to see the full PAN; nor does the requirement supersede stricter requirements in  More...

Credit card finance charges can be confusing as they are different from a normal simple daily interest consumer loan, because billing cycles play a part in the finance charge calculation. Both current and previous billing cycles are required for the calculation to qualify for a configured grace period. Grace period flags are determined by the credit union and disclosed in their credit card disclosures. Finance charges are waived if the account qualifies for the grace period configured in the loa  More...

Our system does allow for temporary or permanent changes in limits, depending on your configuration. Limit validation can be described as follows: When a transaction is received, the program looks to the current limits to approve the transaction. CU*BASE compares the date of the last transaction to the system date. If the system date and the new transaction date differ from the last transaction, daily remaining limits are then reset. This implies that the transaction may occur on a non-business  More...