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1.
How do I activate or deactivate a member's access to online banking or audio response?
There are a couple of access points: Launch Tool #14 Member Personal Banker and select the Online banking/ARU (activate, change PIN/password; view password history) option OR Launch Tool #72 Update ARU/Online Banking Access (PIN) (Shortcut: PIN) It's Me 247 CU*TALK CUTalk
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2.
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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3.
Can I have CU*BASE default the applicable delinquent fine code into that field when I am building a new loan request?
Yes. There is an Amortization Default option available in each of your Loan Product Code configurations which allows credit unions to default amortization criteria such as: Delinquency Fine Code, Rate, Payment Frequency, # of Payments etc. The system will then default this value into the applicable fields when creating a new loan request. These defaults are intended to provide consistency for all new loan requests, but can be changed/edited during the loan request process if necessary.
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4.
Why does CU*Answers charge a monthly fee for running service charge programs we configure ourselves in CU*BASE?
There are two primary reasons we charge this fee: Our belief that we should do our best to keep our fees down when credit unions do not earn. This is why, for example, It's Me 247 mobile web is offered free to our credit unions. It's also behind our constant pressure to reduce fees where CUs have no basis or belief they can charge for a defensive, relationship service. Charging for these services in this manner fund other areas where the direct expenses cannot easily be identified wi More...
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5.
How can I contact CU*Answers for CU*BASE software or Technical Support?
For General Support and CU*BASE Assistance: Use the AnswerBook to submit a question to the Client Services and Education team. You can access the AnswerBook via a CU*BASE session by selecting the @ symbol and asking a question, or by logging in and asking a question. You can also call 616-285-5711 or 800-327-3478 and follow the menu prompts to reach a representative. For Technical Support: Use the ConnectWise ticketing system to submit a question to the Network Services team. ConnectWise More...
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6.
Does CU*BASE offer a budget tool?
Yes. The CU*BASE Budget tool is designed to set the base budget by using the historical record-keeping features of its General Ledger. Through the comparison of historical budgets and actual financial activity, CU*BASE can project a detailed budget in a single pass. Once your Budget is created, you can then use the Finanical Report Configuration to bring in your budget totals to perform your analysis.
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7.
I understand CU*Answers is in the process of updating its current SSL certificate to industry standards, and this requires each computer that is being used for CU*BASE printing to be have a file updated. What do I need to do?
These files should automatically be placed into the correct spots to ensure that Iaccess continues to work without any problems. If you want to verify that you have received this file you can follow these few steps: Open My computer Navigate to c:\users\public\documents\ibm\client access\ Verify the current file size of “cwbssldf.kdb” If this file size is 30kb then everything worked correctly and you don’t have to do anything else. If this file size is different follow steps More...
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8.
Does CU*BASE support Risked Based Lending strategies?
Yes, CU*BASE supports risk based lending. CU*BASE provides tools for pricing loans as based upon the Credit Score/ Paper Grade received. A credit union should check with its applicable credit bureau(s) for Decisioning Products available to facilitate this process.
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9.
With the CU*BASE budgeting tools, can I project changes to my branches for the coming year, such as if I’m adding a branch or plan to reallocate member branch assignments at some point?
Yes. There is a technique for reviewing and manually adjusting branch allocation calculations for projected asset and liability balances. See the Budgeting with CU*BASE booklet for instructions. NOTE: The classical budgeting tools also contain a “Close a branch” function which zeros out monthly figures from your budget starting with a month you specify. But this does not affect projections for asset and liability balances used in the modeling tools.
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10.
Is CU*Talk able to read the really large balances that are now possible in CU*BASE account and transaction files?
No. CU*Talk includes a mechanism to intercept and automatically downsize the balance sizes to the maximum number of digits CU*Talk can handle and reformat the dates from the database before sending it on to CU*Talk to be relayed to the members. Amounts that too large will cause a generic message to be read to the member that the amount is currently not available. Our plan is to address that if and when we start seeing member balances and activity grow to the point that CU*Talk needs to be abl More...
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11.
What is the best way to set up a trust account on CU*BASE?
Trust accounts can be set up as either individual or organizational depending on the legal nature of the trust. Following are recommendations for handling situations when a member wants to set up a membership where the primary member and the first joint owner are, in essence, the same person. This happens most often for trust accounts. Currently in CU*BASE there are two ways to handle trusts: For trusts that use a person’s SSN (where you do not have a separate TIN for the trust), set up th More...
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12.
Per Reg CC, check holds are based on business day. Does the CU*BASE check holds feature only count business days in its calculation?
Credit unions have the option to have teller check holds based on business or calendar days. Use Tool #849 Automated Holds Configuration to update how the system calculates holds. If you select to have the system calculate using only business days you must also launch Tool #243 Configure CU Non-Business Days which allows a credit union to indicate what processing days they follow (Sunday through Saturday), to indicate whether the credit union observes all standard Federal holidays, and/or t More...
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13.
When I create my budget in CU*BASE using the asset/liability modeling tools, is there a special technique I have to use to keep assets equal to liabilities and equity on my balance sheet? For example, if I project $10 million in growth of loans and $10.5 million growth of shares, the $500K difference has to go somewhere so the total assets and liabilities are in balance. In the past I’ve used budgeting software that has a balancing account that acts as either a cash account or a borrowing account, depending on where it is needed, to keep assets equal to liabilities and equity.
The CU*BASE Budget tools are not intended to project your entire balance sheet. While some software products do that, that was never our intent. Our purpose in modeling select assets and liabilities is to create a projection to be used to calculate the income and expense for the budget. It results in a few simple things: You can create reports to present how you see member balances growing in the future. You can create reports to present the actual member balance in comparison to your project More...
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14.
How does CU*BASE process check holds?
In the teller system, you can configure exactly how check holds should be calculated, including default hold days as well as calculated hold days by check R T or amount. In both teller posting and ATM processing, CU*BASE also allows an Electronic Hold configuration that can be used in conjunction with a Member in Good Standing configuration. Different levels of hold times can be configured based on the 'Member in Good Standing' and also within the Tiered Scoring feature. Using these C More...
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15.
I like to have my accountant handle budgeting things like salary expenses and other routine things, while I focus on forecasting loans and savings in my budget. Can I do that with the CU*BASE tools?
Yes. As long as you’ve set up your Budget Groups carefully, the modeling steps (Steps 5-8) can be done before, after, or simultaneously with the classical budgeting steps (Steps 9-10). Use your Budget Groups to help you stay organized and keep careful track of which G/Ls are being worked in each step. You’ll also need to coordinate any adjustments to your Budget Controls to make sure the proper G/L types are opened or closed at the appropriate times.
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16.
There are reports for CU*BASE Member Connect messages that tell us members that received a message and those who did not and why. Are there any more reports like this?
For e-statements, use the PESTMTN2 report, archived in a credit union's CU*SPY under the Member Services category. This report is generated once a month when e-statement emails are sent. This report, along with the PCMMSG delivery report for Member Connect messages, can assist a credit union with identifying the reason why a member might not have received an expected email or how many members you are trying to send emails to that have an invalid email address. Both reports are automatically More...
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17.
If CU*BASE is offline for some reason like system maintenance, and a member uses text banking to request a balance, will they be charged for that text message even though the system couldn't respond?
Since the system will be unable to respond with a balance, it will also be unable to log the text message against the member's account number, which means it cannot be included when fees are tallied. So although the member may still be charged by their mobile phone provider for text messages they send, they will not be charged the usual text message fees by the credit union via CU*BASE (nor with the credit union be charged for that item).
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18.
I’m new to CU*BASE. Can I manually enter my G/L history so that I can use the trending tools when working my budget?
Yes, this is possible in most cases, at least for the monthly balances that are used by most budgeting tools and trending dashboards. Since importing detailed history of debits and credits to G/L accounts might not be possible, keep in mind that functionality may still be limited for some tools. Contact Keegan Daniel, VP Professional Services, at kdaniel@cuanswers.com to discuss your options for either flooding data into your database or manually entering data that could be used by the budget to More...
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19.
In CU*BASE Budgeting tools, how are figures are “spread” across the budget worksheet?
When it comes to filling in your budget worksheet, it’s important to understand the distinction between the classical budgeting calculation (% increase or decrease based on previous year figures), versus how the modeling projections are determined: With the classical budgeting tools, CU*BASE calculates individual branch G/L figures, one month at a time, using previous year data, then shows you the total of those figures on the screen – it does not figure a total then spread it among More...
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20.
How long are records in my Check Register retained in CU*BASE?
Check disbursement history for all check items, regardless of their status, is retained on CU*BASE for 24 calendar months . Check items that are at an outstanding status are retained forever. For our online clients, we purge all checks marked cleared, void, or spoiled that are older than 24 months on the second weekend of every month. NOTE: Prior to March 2008 the retention period was 18 months.
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21.
How long is the timeout setting for my CU*BASE workstation session and for printer sessions?
Currently the timeout parameter for a CU*BASE GOLD session connected to the iSeries is set to 90 minutes. This means that after 90 minutes of inactivity, the session will be logged off automatically. This setting reflects the need to balance the system resources that are required to handle session timeouts across all workstations for all online clients. The shorter the period, the more users hit a session timeout at the same time, and that can have a noticeable impact on system efficiency. In a More...
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22.
Using CU*BASE Budgeting tools, can I just take my last year actual and figure my budget to be 5% higher?
Yes. We call that the “classical” budgeting method and you can do this without using any of the modeling tools if you like. You’ll still need to do steps 1 2 to configure your chart of accounts, then proceed directly to step 9 and budget all of your income and expenses using the same technique, using as many passes as needed for different calculation parameters.
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23.
What if I still want to use my own method for calculating my savings and loan projections but want to store the budget in CU*BASE?
You can use a third party tool to work your asset and liability projects and the associated income and expenses. Just remember that you can only upload the income and expense figures into your budget. The upload tool does not support uploading resulting balances for asset and liability G/Ls.
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24.
What happens if a member sends a text banking message during a period when CU*BASE is offline for some reason like system maintenance?
If the system cannot respond with their actual balance for any reason, it returns the same content as if they had used the HELP text message.
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25.
We just got a CU*BASE software release and now when I try to run one of my custom Queries I get an error message, "Level for file XXXXX in XXXX does not match query (I C)." What should I do?
This occurs when the release includes changes to the files that your Query uses. For example, if we add a new field to the MASTER file, any Query you have that uses that file will display an error message. Fortunately, it is very easy to refresh your Query so that you can use it again. All you need to do is access the Query and save it. That's all. You don't have to make changes to it, it's just important that you save it so it can refresh itself to match the new file layout. More...
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