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1.
How do I use CU*BASE tools to keep track of the beneficial owners on my business accounts and other memberships?
Using CU*BASE to Comply with New Rules for Tracking Beneficial Ownership FinCEN has issued new rules under the Bank Secrecy Act that require financial institutions to identify and verify the identity of the beneficial owners of all legal entity members (corporations, etc.). Under the final rule, credit unions are required to have written procedures to identify and verify beneficial owners of legal entity members who open new accounts on or after May 11, 2018. In addition to identifying and coll More...
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2.
I'm looking for a specific report for indirect loan data, sorted by dealer. Is this something I can find in CUBASE?
Tool#333 Dealer Trial Balance / Reserve Calc. Rpt. can be used to run a report showing dealer names and all member accounts attached to each dealer. The report can also calculate the total reserve amount for each loan, by multiplying the loan disbursement amount by the reserve percentage configured for each individual dealer. When ready, use Enter to produce the report. Please also review the Online Help for this tool in case you have further questions regarding setting parameters for this tool More...
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3.
I'm trying to use the Open/Closed Memberships dashboard to analyze my entire membership, by entering a date range that goes all the way back to when my CU was chartered. It doesn't appear to show all my members, though.
Dashboard lists like this are limited (by our core IBM platform) to a maximum of 9,999 records. Certain analysis features that count and display summary information are able to deal with much higher quantities of records, of course, but any program that lists records one after the other, the way these dashboards do (it's sometimes referred to as a subfile ), cannot accommodate more than 9,999 individual items in the display. That's one of the reasons we include so many filters so you More...
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4.
How can I analyze my Member Trackers without using query?
To analyze Member Trackers, simply run a report in Tool #664 Print Member Trackers . When configuring Tracker Type ( Tool #277 Configure Tracker Types ) and Memo Type ( Tool #260 Configure Memo Type Codes for Trackers ), you created specific codes that track these types of records. Tool #664 allows you to generate a report based on multiple search criteria, including Tracker Type and Memo Type, as well as date range, and Employee ID. Additional options are available to analyze Sales Trackers via More...
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5.
A loan is currently written off. What procedures do I take to charge this off from my books? We will not collect anything further on this loan.
To charge off and close a loan, use Tool #1006 Write Off / Charge Off Loans and choose Charge Off. The loan account will be closed and a record written to the write-off/charge-off history dashboard. You MUST include a reason for closing the suffix. write off write-off writeoff written off written-off writtenoff charge off charge-off chargeoff charged off charged-off chargedoff
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6.
The Collections tracker assigned to the member’s account appears to not be reattaching to the membership if the membership is closed and reopened.
The system does not and will not automatically copy Tracker notes from a closed account to an open account when the account or membership is reopened or reused. However, the user can manually copy the Tracker from a closed account or membership to an open account or membership using Tool #283 Copy Trackers to Other Member.
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7.
My member has contacted me and says they cannot view their check. What information do I need to collect for use when researching this issue?
If a member cannot view their check, the research team needs the following information: Credit Union Questions What is your credit union name? Have multiple members reported that they cannot view checks? Are these members having the same experience when viewing their check? (See Member Questions. ) Has the check appeared on the Check Exceptions Report? (TNDET) Was this check cleared at the teller line? (Sometimes this is referred to as a counter-killed check.) Are you able to retrieve a chec More...
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8.
Why do the totals on the Collections Summary Inquiry (Tool #982 Work Collections, then F15=Summary) not match the Delinquency Report (Tool #637 Print Collection Delinquency Report)?
The Collections Summary Inquiry totals are archived daily at the time when Delinquency Monitoring is performed. This is either in Beginning-of-Day or End-of-Day based on your credit union's configuration. The Delinquency Report, when run for the current month is gathering the member loan deliquency status in real time. Because transactions can be happening bewteen the two timelines the results can differ.
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9.
When reviewing the bill pay transaction register, the 2nd page lists fee exceptions. When the exception reads, "Monthly fee would take account below available balance," I would like to know if the fee attempt only happens once or continuously until the fee is collected.
Bill Pay fees post around the 11th of the month. The fee posting will only attempt once. An idea is to use this exception report and manually post fees if needed. Something to keep in mind: even if the member has Overdraft Protection, it may still give the exception listed above because Overdraft Protection does not cover fees.
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10.
Why do my totals on the Loan Delinquency Analysis Report (Tool #461) no longer match the Collection Delinquency Report (Tool #637)?
The two reports are using different criteria to determine loan delinquency: Loan Delinquency Analysis With the 13.0 release in the spring of 2013, the Loan Delinquency Analysis Report (Tool #461) was changed to report loan delinquency in days instead of months per updated NCUA requirements (see below*). The current processing date is compared to the next payment date to determine the actual number of days delinquent. This is most commonly used report for obtaining delinquency information for More...
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11.
Why does CU*BASE show delinquency in two different ways? In some places it is months/days and others it is actual number of days.
There are two methods used to track delinquent loans for reporting purposes in CU*BASE: Method One (for Collections tracking) We have always tracked delinquency in two separate fields for “Months” and ‘Days” in the member files. When a loan is 30 days delinquent, it shows as “0 Months, 30 Days” delinquent. When a loan is 31 days delinquent, it is “1 Month, 0 Days” delinquent. A month is always considered 30 days regardless of the actual number o More...
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12.
What data tables can I search to see information about where and when attempts are made to login to a member's online banking account?
There is a table called MBRAPPSTAT which holds records of various API calls done during the entire member authentication process, even before they have successfully logged in to online banking (even if through the mobile app). That is the first place TO look to see records of what's happening with this member's account as they step through that process. There is one row for each API call, and each API call represents a different phase of the process. For example - Get Username, Get Chall More...
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13.
Is there a report on CU*BASE that will help me gather the data I need to fill in the FR2900 report?
Yes, there is the PREGD Reg D statistical report that is automatically generated every day and is located in CU*SPY under the Member Service category. This report gives you the balances of your shares, drafts, and certificate accounts along with the balance for GL 739.00 Cash. Simply print the days you need to collect for the FR2900 report. To find the balances for other GL accounts for the 5 days requested in the FR2900 report you can use Tool #650 Print GL Trial Balance (monthly) to select More...
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14.
What's the best way to create a Representative Payee account on CU*BASE?
In a nutshell, you will set up a Membership Designation Code for Representative Payee, with the label for primary name set to Beneficiary and the label for the joint owner name set to Rep Payee. Then the procedure is to open the membership in the beneficiary's name and SSN, then put the representative payee's SSN as the joint owner (type J secondary name link). TIPS: Remember that in CU*BASE the words joint owner simply are used to describe a particular record type in the Se More...
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15.
A members Bill Pay account has been frozen due to an uncollected debit by Fiserv. How can the account be reactivated?
The member can call Fiserv's collection line at 800-848-1337. Once the member has settled the debit with Fiserv, their account can be reactivated.
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16.
How do I send 1099C forms to members that are written off or charged off?
When a collection account is charged off it may qualify for a 1099C to be sent to the member. Qualifications are detailed on the IRS website. Access Tool #922 Update 1099-A, C and MISC Tax Form Data to enter or modify information to be printed on a 1099-C form for a particular member.
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17.
How can I view basic statistics of my loan applications, such as denied, approved, pending, and deleted?
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...
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18.
What new information does member see on the Login History page in Mobile Banking and "It's Me 247" starting with the 18.08 Online Banking release? How might this be different if the member logs on with device registration controls to their access (PIB)?
The member will see some new information on the Login History screen starting August 29, 2018. The data for this change was collected beginning August 7th. New information includes: Login Source types: iOS, Android, Desktop Browser, Mobile Browser, Loan Application, Other Login Methods: Username Password, Fingerprint, Pin, Voice, Face NOTE: If a member uses Personal Internet Branch (PIB) device registration, a duplicate login record might appear that doesn’t record the login source, IP More...
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19.
Can written off loans be suppressed from member statements?
No. If a loan has been written off by the CU*BASE system and therefore is still considered collectible, it will continue to appear on member statements. If a loan uncollectable it should be closed (charged off) and therefore will not appear on member statements. Currently there is no plan for CU*BASE to suppress certain types of loans or other accounts from appearing on a member's statement. However, you could code the account so no statement is produced. See the Related Q A link below. coll More...
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20.
If I send a marketing email via Member Connect to a lot of members, do I have to watch for bounced-back emails and update CU*BASE for those with wrong addresses?
Prior to April 2023, we ran a daily routine that collected invalid email addresses throughout the day, then during BOD processing marked email addresses as wrong and recorded a Tracker note with the name of the operator who ran BOD. Starting in April 2023, instead of simply marking them as wrong, we now delete the email address and put it into the Tracker note. A record is also written to the CUFMAINT file maintenance log with the ID of the system operator who ran the process. If the system rec More...
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21.
Is there a charge-off routine for loans?
Yes, both a write-off and a charge-off feature, in fact. A written-off loan is still collectible whereas a charged-off loan is released from debt and closed. Both steps are recorded as part of the CU*BASE written-off/charge-off loan history database. (Use the link below to learn more about this database and associated dashboard.) To write off a loan, use Tool #1006 Write Off / Charge Off Loans and use the write-off option. This reclassifies the loan but it is still retained on the member r More...
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22.
Why does it matter if I enter an invalid email address? Doesn't the email just get returned?
Actually, because CU*Answers sends email on behalf of all of its clients, bad email addresses hurt all of us! Every month CU*Answers sends nearly 100,000 e-statement notifications. We send a couple hundred thousand It's Me 247 online banking notices. We send Member Reach newsletters on behalf of 80 credit unions. We send a lot of email. (And it’s email that your members want to receive!) Unfortunately, if enough emails are returned as invalid addresses, large Internet Service Provider More...
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23.
How can I tell just how often my members are having to change or reset their online banking passwords?
Ever wondered just how many times members really do call up and ask that their online banking password be reset? Might seem like some members call every other day, but until now there wasn’t really an easy way to tell. The new PIN/Password Change History tool was designed to answer that question quickly and easily, whether for one member or for all members as a trend. When accessed via Tool #14 Member Personal Banker , you will see just a single member’s history, which should be hel More...
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24.
There is a IRS reporting requirement that states that companies that process credit and debit card payments are required to submit IRS Form 1099-K. Will CU*Answers be producing this form?
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.
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25.
Why doesn't the Member Delinquency Inquiry (Tool #498) match the number of delinquent notices sent according to the Notice Tracker on the loan?
Remember that notices can be sent to members at any time according to your delinquency notice configuration. This is independent of the configuration that controls whether a loan is actually considered delinquent or not. For example, your credit union might choose to send notices when a loan is 10 days past due, but not truly consider it delinquent for collections purposes until 30 days. The # of times delinquent counter on the MEMBER5 (for closed-end loans) or MEMBER6 (for open-end loans) More...
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