Your request is being processed...
Did you mean:
Announcements
Most Relevant Content in All Topics
1 - 25 of 25
-
1.
A member is trying to log in to online banking and they see this message: "Online access for this account has been disabled. Please contact the Credit union to reset your password." What should I do?
What This Message Means: This appears when the member has tried 3 times to enter their password incorrectly. The message does instruct the member to click I forgot my password and answer all three Security Questions to reset the password themselves. But if the member doesn't know their password or their security questions, they will need to contact the CU. BE CAREFUL: This is a scenario that presents the most risk to your members. If a bad guy finds out a member's name, account nu More...
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
2.
What messages will a member see when they try to log in to It's Me 247 Online Banking with a wrong password?
There is a progression of different messages for each attempt: Attempt #1: The password is invalid. Stuck and need more help? Please contact your Credit Union. Attempt #2: WARNING: Three incorrect logins will disable your password. Please verify what you typed for the Username (or member number) and click 'Enter a different username' to reenter it if needed. Or click 'I forgot my password' and answer your Security Questions to reset your password now. Stuck and need more help? Please conta More...
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
3.
What if a member forgets the answer to a Security Question? Will he still be able to log in to online banking?
If a member's PIB profile requires him to answer one of his three Security Questions in order to log in to online banking, there will be a button on the login page to ask me a different security question. If the member cannot answer any of the questions, he cannot log in. This feature was designed so that if the member set up questions but then forgets the answer to one of them, there is still a way for him to answer a question and log in. Remember that if the member doesn't have a PIB prof More...
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
4.
What is the point of having members set up Security Questions?
How would you like to significantly decrease the number of calls from members asking to have their online banking password reset? That's the main point of the Online Banking Security Questions! Members who forget or disable their Online Banking password can take care of it themselves! No emails, no waiting, no need to call the credit union. Members choose the questions and provide their own answers—answers only they will know. After a member sets up his Security Questions, he can click More...
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
5.
How do I change a Social Security number that's on a non-member record and put it on a member's account instead?
There are several steps in removing a member's Social Security number: 1) Run a global search to see what types of relationship codes the SSN has with your credit union. 2) The first relationship codes you will want to review are the 'CB' or 'JI' which mean the non-member is a co-borrower and/or joint owner on the account. They need to be removed first. To remove them, launch Tool #3 Open/Maintian Memberships/Accounts, choose Update member information then Joint owners an More...
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
6.
My member gets a Social Security (SSA) deposit via ACH. We use an ACH distribution to pay the member’s loan payment, but the loan payment was not made. Why did this happen and what benefits are there to using an Automated Funds Transfer (AFT) instead?
Prior to the 16.10 release, the SSA began using multiple Company IDs, and it was recommended that credit unions consider using Automated Funds Transfers (AFTs) to handle distributions. Beginning the 16.10 release a new cross-reference system will be implemented that will automatically funnel all incoming company IDs from the Social Security Administration and treat them as if they came from one, consistent company ID we’re referring to as the “Primary ID.” With the changes ma More...
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
7.
What precautions should I take when adding distribution records for a member who has more than one deposit coming in from the same institution but for different household members, for example Social Security deposits?
Special care should be taken when adding distribution records for a member who has more than one deposit coming for the family from the same institution. Take the time to research the member ACH records using the ACH inquiry screen, and if there isn't enough information on this screen, go to CU*SPY and find the PACXTB report to review the ACH detail. For example, the Smith family receives three ACH payments for Social Security benefits: one for the husband, John, one for the wife, Mary, and More...
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
8.
I have a husband and wife who both receive Social Security payments to the same membership. Now that CU*BASE uses the new way of handling ACH transactions from the SSA, these are causing duplicate distributions to be posted. What should I do if my members still wish for them to be separate transactions?
With the 16.10 release a new cross-reference system was implemented that automatically funnels all incoming company IDs from the Social Security Administration and treat them as if they came from one, consistent company ID we’re referring to as the “Primary ID.” In cases where the Depositor ID is the same, for example a husband and wife, these ACH transactions will be handled by the same master ACH distribution record under the Depositor ID since duplicate Depositor IDs are no More...
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
9.
With Deposit Secured Loans, do members sign a Promissory note before the loan is funded? What happens if they do not sign the form?
Yes, if an online note is programmed in CU*BASE, it will be presented to and signed digitally prior to the loan funding. If the member cancels out and does not sign the form, the loan will not be created. Instead, the system will submit a loan application to be worked in the LOS Loan Queue (Tool #2). Deposit Secured loans do require special loan forms specifically coded for this type of offer. Your standard loan forms cannot be used with this feature without the special coding. f you are anx More...
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
10.
If I have changed my Social Security (SSA) ACH Deposits to use the Automated Funds Transfer solution, should I now consider changing back to ACH deposits?
Prior to the 16.10 release, the SSA began using multiple Company IDs, and it was recommended that credit unions consider using Automated Funds Transfers (AFTs) to handle distributions. Beginning with the 16.10 release a new cross-reference system will be implemented that will automatically funnel all incoming company IDs from the Social Security Administration and treat them as if they came from one, consistent company ID we’re referring to as the “Primary ID.” With the chang More...
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
11.
Can you explain how the system secures funds for debit card authorizations?
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...
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
12.
I would like to view each employee and their security (what options they have access to). Is there a report I can pull instead of just printing each screen in the Employee Security configuration program?
Yes. Use Tool #357 “Employee Security Audit Report.
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
13.
Will I be able to reset a member's security questions in CU*BASE?
Yes. You won't be able to read the answers to the member, but you can reset (clear) them. This will force the member to set up new answers and/or questions the next time they log in. This can be done two ways: Use Tool #72 Update ARU/Home Banking Access and click the Reset Security Questions button. OR In Inquiry/Phone/Teller, click the Home Banking Mbr button then use F11-Reset Quest.
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
14.
Does Employee Account Security control an employee's access to an account from everywhere on CU*BASE? For example, how about from Payroll or ACH?
Not every feature that potentially shows account details on an employee's account is governed by the Employee Account Security controls. Apart from technical impracticalities, our basic philosophy has been that employees who are given access to “sensitive” features (like Collections, or posting payrolls, etc.) should be trusted employees, and they should be allowed to use the tools to do their job. If they have to be hobbled or monitored, then perhaps they shouldn’t be tr More...
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
15.
How can I get a report or printout of my Loan Security
Codes?
While in the initial Security Code configuration screen, click the printer icon at the top of the screen and a report is produced of the codes configured. (Use the Related Link below to see a picture of this icon.)
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
16.
We are in the process of creating a procedure in the case of a security breach in which we might need to have all members change their online banking passwords. Is there a way to configure the system to force a password change every 6 months or 12 months (even if the account is active)?
Tool #569 Online/Mobile/Text Banking VMS Config > Online Banking Password and Security Settings includes a setting labeled Expire stale passwords after xxx days of non-use . This means if a member does not log in within that period of time, they must answer all of their security questions in order to reactivate or change their password, before they can log in. The maximum allowed is 90 days, so a value 6 or 12 months is not currently allowed. Remember that this process expires the passwo More...
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
17.
How can I archive a monthly report that lists all of the overrides my employees made to accounts that were frozen or had secured or uncollected funds? How can I easily archive a report for each type of override?
Tool # 868 Transaction Override Report allows you to create a report that shows when a transaction override was performed on an account that was frozen, had secured or uncollected funds, as well as transaction overrides to par value (below minimum). This report was added to the Report Scheduler feature with the 15.3 CU*BASE release in December 2015. It is easy to use the Report Scheduler tool to archive monthly reports. Just enter the filter screen and make your selection of which type of ove More...
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
18.
What is iShield Security?
There are many, many components in the infrastructure that protects your member data, from passwords and daily backups to production redundancy and full-blown DR/BR plans. One important piece of that puzzle involves the protections we put in place to control data moving between the System i and a local workstation. Years ago no one ever imagined an employee popping a thousand member records onto a thumb drive and heading out the door. Today we have entire teams and sophisticated tools to prev More...
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
19.
As a credit union security officer, am I able to create or delete a user ID in CU*BASE without contacting CU*Answers?
No. This requires a very high level of security access on the iSeries, which we cannot make available to our clients. The only way for CU*BASE user IDs to be created or deleted is to fill out and submit a Credit Union Security Authorization Request to our Client Services team. This form can be found on our CU*Answers Online store (use the link below).
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
20.
My member is in BizLink 247 and is getting the following message when creating a username or a security question answer: "Please select a different word or phrase for your answer. Your current choice may be offensive to some." What can I do to assist the member?
If your member gets the answer above, it means they have enter a word or part of a word on the restricted nicknames list. The restricted names list was designed to keep offensive words out of eyes of employees assisting members with their accounts, and is mainly used for the nickname feature in online banking. (It is also used in BizLink 247 authentication.) This database of restricted names is maintained via Tool #765 Restricted Nicknames Configuration . In this database, you can find the word More...
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
21.
My member is trying to log into online banking and their security question answer does not work. Why might this be the case?
One thing to consider is if a space inadvertently has been added to the security question answer. This most commonly happens when you use a device that auto-suggests word spellings. (It adds a space that might not be obvious but gets stored in the database, and the answer won’t work right unless that space is entered.)
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
22.
I have a member completed a loan application with the incorrect Social Security number for the joint owner. How did the credit report pull under the correct SSN if the incorrect SSN is attached to the loan application? Is there an indicator that will tell us that the SSN is incorrect for the co-borrower?
The information sent to the bureau was not an exact match, but based on the information provided (including name, address, DOB, etc.), the bureau returned a match to the correct SSN. CU*BASE is set up to pull a credit report for applications that are sent from online banking based on the applicant's consent to have their credit pulled within the application. There is not a way for the SSN to be verified as correct or not at the time of the application, but the credit bureau is able to do fur More...
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
23.
What version of FICO is CU*Answers coded for with all three credit bureaus?
CU*Answers is coded for FICO version 09 for Experion, Transunion, and Equifax.
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
24.
How many credit union clients does CU*Answers have?
As of April 2023, CU*Answers and its cuasterisk.com network partners provide services to 366 credit unions in 42 states, representing 2.72 million members.
More...
(Rate/Comment, Related Content, Larger View, Tools)
-
25.
What Education does CU* Answers offer?
CU*Answers strives to accommodate our clients by offering training in many different formats, from full classroom offerings (see the current CU*Answers University Catalog) to online learning and web conference sessions. We also offer individual training sessions, and workshops which can be held either at a credit union site, or here at CU*Answers. For credit union staff to train internally, we offer our web-based online courses as well as hands-on learning using a pretend CU*BASE credit union More...
More...
(Rate/Comment, Related Content, Larger View, Tools)
View Mobile Help
{"IncludeArchiveItems":false,"IncludeSubItems":true,"MatchValue":"and","ArticleStatusValue":"2,9","ArticleTextBoxValue":"","ProductVersionValue":"","SelectMutipleCategories":false,"Sort":null}
true
|