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1.
Is there a way to code a member's account in CU*BASE so that it is excluded from membership tapes/files that are sent third parties like Liberty Mutual or CUNA?
There are two ways to accomplish this: The first way is to use the Marketing Opt-Out flags on the member's MASTER record. Introduced in the CU*BASE 9.2 release (August 2009), these are two flags that can be checked to exclude the member from third-party marketing communications and/or CU-related marketing commnunications. See the Opt Out link below to read more about the use of these flags. When creating a database file using Member Connect tools, or the CU*BASE List Generator, or even t More...
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2.
When underwriting an indirect/dealer loan application, does the Centralized Underwriting code “Refer to Manager” send a notification to the dealership via our CU*BASE Integration? If so, does the notification include the application notes from the loan application?
The credit union can pass any underwriting code that's configured as a Approval or Denial code type. So if your credit union has underwriting codes of AI for Approved Indirect and DI for Denied indirect, those will both pass a status of approved/denied as long as they are configured correctly. The only code we standardized is the CO for Counter Offer. This is the only memo type code that can be passed for indirect. Any other memo codes would not trigger a notification to the dealer. C More...
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3.
Does CU*Answers support integrations such as mint.com that pull in financial information if the member supplies their user ID and password?
There is nothing CU*Answers can do to stop financial aggregation services like Mint from accessing our online banking products. Although we have set up many direct integration tools over the years (see the related links), members can also provide their credentials to whomever they choose and the process is entirely in the hands of that third party to maintain the connectivity. Hint: Members who choose to do this will need to remember that whenever they change their online banking password, they& More...
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4.
How do I get my CUNA Mutual loan insurance reports after monthly premiums post?
All vendor (CUNA or any other insurance vendor) Loan Insurance and Debt Protection Reports can be found in CU*SPY. They can also be directed to print or archive using menu Tool #573 OUTQ Report Control . The Report Names in this option are: Loan Insurance = TCUNAS/QPRINT2, TCUNAS QPRINT3, Debt Protection = TCUNAD/QPRINT2, TCUNAD/QPRINT3. One report is the actual posting of the premiums, the second report extracts and of the 'exceptions' in one list, making it easier for a team member More...
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5.
Upon review of the Reg CC schedule we received from CUNA, it appears checks over $5,000 must have 3 release dates: Reg CC (next day), $4,775 on the 7th day and the remaining on the 9th day. The system will not allow us to make more than two release dates on a single hold record. Will the system have the capability to follow this regulation or how can we do this?
The $5,000 hold isn't something CU*BASE does currently and is manually performed at the credit union level, by creating a second hold record for the amount exceeding $5,000. On the second hold, the Reg CC release date must be set to the same date as the Release date , so that a second Reg CC release of $225 isn't performed. This will require a new internal procedure for your credit union. Use Tool #919 Update Uncollected Funds Information to add a new hold record or adjust an existin More...
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6.
I understand CUNA covers the balloon amount with Level Rate Disability Credit Insurance. How are benefits paid if the member is disabled when the balloon amount comes due?
We recommend that you contact CUNA for claim / benefits information. They can be reached at 800-356-2644.
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7.
What online ATM / Debit Processing vendors are integrated with CU*BASE?
Please use the attached link on our website for an up-to-date listing of the online vendors and supported features already integrated with CU*BASE.
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8.
Why does CU*BASE require two steps to perform a teller correction - deleting an audit key and completing a member transaction reversal?
Because of CU*BASE design to integrate directly to the general ledger is one of its most impressive features, the teller system needs to process as its own section. In order to discourage inaccurate or misleading transaction reversals or back-dating, the dual system segreates the teller drawer (cash) from the member transactions and balances. If the two steps are not completed correctly, the general ledger will be out of balance. Fortunately you can use Tool #31 Reverse Tran/Adjust Drawer (Same More...
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9.
What models of TCDs (Teller Cash Dispensers) are supported by CU*Answers?
Our official statement is that CU*BASE is not integrated with any TCD or TCR hardware solution; however, you may find the information below helpful. When considering which model of TCD or TCR to select, it is important to realize that supported models are determined by your solution provider not CU*Answers. For example, if you are utilizing DynaCash, as the provider of the software that interfaces between CU*BASE and the cash handling hardware then they would determine compatibility. With this i More...
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10.
What products does eDOC Innovations offer?
eDOC Innovations offers a full suite of e-document solutions. This includes paperless receipts, loan forms, reports and statements as well as eSign and Check 21 solutions. Together with CU*Answers they offer three different integrated document storage or vault models. For more information about eDOC Innovations and how they can automate your document workflow, contact John Beauchamp at jbeauchamp@edoclogic.com or phone 800 425- 7766 extension 228. edi edoc edocs
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11.
Does CU*BASE provide an on-line interface with CUSC or FSCC National Shared Branch Networks?
Yes, we currently offer an online interface with CUSC and FSCC. Acquirer provides the integration of using the CU*BASE teller system to process other members in the national shared branch credit union listing. Issuer allows CU*BASE clients to participate in the national credit union network. Refer to our Pricing Guide for associated CU*Answers costs then contact the Client Service Department to get started!
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12.
Is CU*Answers going to add Zelle to its mobile offerings?
A common request from credit union employees, although generally not from credit union management, is that the network (CU*Answers or cuasterisk.com) should move to “get” Zelle. While we understand the general rule of thumb that if members seem to like a solution it makes sense to match it, in this case the credit union business leader needs to look deeper: Zelle is a branded solution for P2P. It is a community that you join. Zelle provides a P2P transaction approach that is uniqu More...
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13.
What models of TCDs (Teller Cash Dispensers) are supported by CU*Answers?
Our official statement is that CU*BASE is not integrated with any TCD or TCR hardware solution; however, you may find the information below helpful. When considering which model of TCD or TCR to select, it is important to realize that supported models are determined by your solution provider not CU*Answers. For example, if you are utilizing DynaCash, as the provider of the software that interfaces between CU*BASE and the cash handling hardware then they would determine compatibility. With this i More...
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14.
The FACT Act requires we notify members when a credit score was used to determine eligibility for a mortgage loan. How can I use CU*BASE tools to comply with this requirement?
Option 1: Create a Misc. Member Account Form with the appropriate text, and add a procedure for your loan processors to print this form whenever a loan like this is created. Since the CU*BASE online credit bureau system has no way to know if a credit score is used in the underwriting decision, nor whether the credit report was used for a mortgage or home equity loan, this will be manual process. HINT: This step could be added to the Electronic Checklist feature for your mortgage and home equity More...
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15.
What Network Operating System does CU*BASE use?
CU*BASE runs on the IBM iSeries platform utilizing the i5 Operating System. The System i platform comes integrated with the components necessary to support robust business computing including the operating system, database, security, communications and networking, middleware, application servers and more. System i5 models can run multiple operating systems and applications simultaneously. They support applications running in IBM i5/OS®, Microsoft® Windows®1, Linux®, IBM AIX 5L&tr More...
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16.
Are there any features being sunset when the new look for "It's Me 247" is released?
Yes, there will be a few features we are not bringing over into the new mobile first design. Features being permanently sunset: Promise Deposits - As most CUs and members have fully embraced RDC with its available near-real-time posting option, we made the decision not to bring the Promise Deposits feature into the new modules/mobile first design. Member-selected color themes, picture albums, and start page - The start page feature has been replaced by the Favorite accounts and Favorite feat More...
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17.
Does CU*BASE support Teller Cash Recyclers (TCRs)?
The CU*BASE Teller system does not have an interface option to integrate with a Teller Cash Recycler (TCR). We do not recommend the use of any product, but CU*Answers is aware that clients have successfully used DynaCash, a third party solution from Add On Technologies, as a viable solution. You can get more information about this solution from our Imaging Solutions team by emailing imaging@cuanswers.com or by visiting its website at http://addontechnologies.com/dynacash/ We have many CUs who ar More...
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18.
What is Debt Protection coverage?
This new loan coverage is NOT an insurance product, therefore not governed by normal Insurance regulations/audits. It is designed to cover situations not normally covered by Disability/Life Insurance. For example: divorce, loss of a job, drop in income. It uses a Level Rate calculation and cannot have the words insurance or premium used on the posting of the debit to the loan. Although it may currently be used as a self-insured offering, insurance companies warrant the loan disclosure fo More...
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19.
How does CU*Answers handle controls regarding ransomware and backups?
CU*Answers is occasionally asked about controls regarding ransomware and backups. Some questions are related to our data processing software (CU*BASE) and others are related our Imaging System (CU*Spy). CU*Answers and our credit union clients are on entirely separate, segregated networks, and therefore it is highly unlikely if one business victimized by ransomware that both entities would be affected. The CU*Spy discussion does not apply to clients that have their own in-house imaging solutio More...
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20.
Members have reported not being able to see transactions automatically in their QuickBooks Online account. Can you help?
Our online banking products do not support a direct integration with QuickBooks Online. We do support the ability for members to manually download their transactions to a QFX / QBO file and manually import them. However, as explained in the related link below, other than creating the files we have no control over how that import process might work on the QuickBooks end. Contact an Intuit representative for assistance. NOTE: From time to time Intuit may change their requirements for the file form More...
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21.
Why can't I add insurance to my Home Equity Loan?
There was a rewrite by CUNA effective April 1, 2014 that states that if a loan is over 120 months, you cannot add insurance to it. Your example was for a Home Equity Loan for 240 months. CUNA insurance only goes out for 120 months so you receivced the error term is over the life maximum term . Please call your CUNA representative if you have any further questions.
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22.
Is there a place in CU*BASE where I can see which credit bureaus I can pull credit reports from?
Self Processors can access OPER #10 > #7 and view the default credit bureau. Online credit unions should contact Client Services for this information. Information on any additional credit bureaus that the credit union has access to pull credit reports from is held in our Integration Database and not in CU*BASE.
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23.
Why should we use the AnswerBook's personal finance knowledge packs and calculators?
The AnswerBook content affords several benefits not available from other providers. In addition to being written in language that is easy to understand, our knowledge pack items provide the following unique benefits: 1. Better reinforcement of your brand and better user experience. You want the content to look like it is part of your site and part of your delivery. Personal finance content can help your consumers appreciate the breadth of your financial knowledge and services offered. The More...
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24.
The FACT Act requires we send notices to members stating we may report derogatory information about their accounts to credit bureaus. How can I use CU*BASE tools to comply with this requirement?
Here are some ideas of ways you can use existing CU*BASE tools to fulfill your credit union’s responsibility to comply with this requirement: Option 1: Add verbiage to your delinquency notice event(s). Option 2: Send a notice to all home banking members via a Home Banking comment. Option 3: Create a Misc. Member Account Form to be printed on demand and mailed to the member after a new membership is opened, or when creating a new loan account. IMPORTANT: Since this notice cannot be inclu More...
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25.
What does AIRES mean?
AIRES is an acromyn for Automated Integrated Regulatory Examination System. AIRES is a software tool used by the NCUA when performing financial audits on credit unions. ARIES AIRIES
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