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  • 1. When looking at the ATM/Debit or Credit Card Activity screen, what does the indicator in the Type and Transaction Description mean?
    Preview
    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...
  • 2. How can I analyze my Member Trackers without using query?
    Preview
    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...
  • 3. What are the differences between online ASP an in-house?
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    The differences ultimately come down to control and cost. The online ASP system is the fastest, simplest, most inexpensive way to get started with an e-documents strategy for your credit union. With online ASP you offload the back-end service management headaches to CU*Answers. We manage, backup, secure, and patch/upgrade the eDOC servers and databases and these processes fall under our SAS 70 and third party security audits. The online ASP system consists of electronic storage of receipts, loan  More...
  • 4. Why are card PANs masked in the Plastics/OTB inquiry?
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    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...
  • 5. Does the incoming ACH posting file have to have an OFAC scan performed on the originators in order for the credit union to be compliant?
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    OFAC is defined in the NACHA Operating Rules and Guidelines Chapter 3, Section 1 pages OG15-OG21. There is a difference between OFAC procedures for ACH transactions and the verification of parties with which a financial institution does business. For ACH purposes, only the addenda information on cross border transactions (IATs) require an OFAC scan for both RDFIs (receiving depository financial institutions) and ODFIs (outgoing depository financial institutions). As far as OFAC compliance goes  More...
  • 6. What columns/fields, files/tables, and programs are included in the File Maintenance Inquiry "Critical Monitoring?"
    Preview
    When you use the filter buttons on the File Maintenance Inquiry dashboard (Tool #159: Audit File Maintenance Inquiry (CUFMNT)), indicators note which programs, fields/columns, and files/tables AuditLink has flagged as “critical” for auditing teams to monitor on a daily basis. You can quickly sort by that indicator and select only those items for a quick scan of maintenance that directly affects member accounts. Below is a listing of these critical items. Columns/Fields Field Why   More...
  • 7. What is iText software?
    Preview
    iText is a third-party PDF export software that enables PDF Export functionality for a variety of dashboards within CU*BASE. PDF Export allows for the easy creation of full color reports with a single click of an icon. The software does require a license for use and installation on each individual workstation that will be utilizing the PDF export feature. CU*Answers now handles the sale of new licences, which are for use per workstation. To purchase a license, refer to the PDF Exports Brochure  More...
  • 8. There is no "View Check" link next to the member's check(s). What can I do?
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    Verify that check viewing is turned on for the CU. You can check by making sure there is a code in the Check Image ID field in ARU/Online Banking Configuration (MNOP09 #8). If the Check Image ID field is blank, either the correct value was somehow removed and needs to be replaced, the CU’s request for online banking check images is not yet completed (check the Pending Check Image Projects on the Check Image Info portal page), or this CU has never signed up for online banking check image  More...
  • 9. Can I add a custom message on the Online Banking Credit Score page?
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    Yes, between the Apply for Loan Today / Contact Me About my Score button and the disclaimer is a content section, an area that can be modifed via a configuration in CU*BASE. Launch tool #569 Online/Mobile/Text Banking VMS Config. Select Credit Scores History Sales Text and use Select or Enter. Use the screen that appears to enter a URL to one of your web pages as well as the Comments that you would like to appear on the page to explain the feature to your members.
  • 10. My ATM/DEBIT switch is CO-OP. What does the "MSG TYPE" values mean on my LC01TXN report?
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    The "MSG TYPE" values describe types of 'authorizations' and 'transactions' processed through the CO-OP network. Authorizations: (100 110 120 130) For PIN Authorizations there is no hold on the member's funds. However, Signature Authorizations place a hold, CU*BASE shows this as a "debit authorization comment in OTB processing. In either case this transaction is not posted to the members account. This is just a POS (point of sale) authorization for the merchant. It could be either a PIN based   More...
  • 11. What are the benefits of AnswerBook?
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    The AnswerBook was developed specifically to make it easier for credit unions to better educate and serve their members. A side benefit of providing outstanding member service and ensuring that members are educated and in control of their financial well-being is increased loyalty and greater product and services usage. However, unlike CRM applications, the AnswerBook is not focused on directly increasing sales -- a good thing, we think, and a philosophy that is sure to be embraced by your member  More...
  • 12. Lease vs. Buy calculator to help you determine if it makes more sense for you to lease or buy your vehicle.
    Preview
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  • 13. I will be visiting CU*Answers soon. Are there malls or other shopping options nearby?
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    We are closest to Woodland Mall and CenterPointe Mall, but all of the following are within easy driving distance of our office and surrounding hotels. Woodland Mall 3195 28th Street SE Grand Rapids, MI 49512 616-949-0010 CenterPointe Mall 3655 28th Street SE Grand Rapids, MI 49512 616-949-2550 Breton Village 1830 Breton Road SE Grand Rapids, MI 49506 616-949-4141 Rivertown Crossings 3700 Rivertown Parkway SW Grandville, MI 49418 616-949-2550
  • 14. How do I buy stock in Xtend?
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    Xtend stock is available for sale to all accredited investors as outlined in the Stock Prospectus. Currently, only credit unions who are CU*Answers data processing clients, as well as the CU*Answers CUSO, can own stock in Xtend. Contact Scott Collins, Xtend President, at scollins@xtendcu.com to request a Stock Prospectus.
  • 15. I don't have a lot of members who have an email address. Should I still sign up for Member Reach?
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    Member Reach messages are sent using various delivery methods. Email is a valuable asset to your program however it is not essential to your success. Member Reach also includes a high delivery rate to the Online Banking secure mailbox as well as Text To Speech (TTS) Messages delivered to Audio Banking. Just as important to the delivery of messages is your credit unions participation in cross selling of electronic banking services to your members. Member Reach “talks” to your members   More...
  • 16. Auto Rebate vs. Low Interest Financing Calculator
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  • 17. Auto Loan vs. Home Equity Loan calculator to help you determine which type of loan makes the most sense for you.
    Preview
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  • 18. Auto Loan calculator to help you determine how much you can afford to spend on an automobile.
    Preview
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  • 19. Why don't the counts on my CU*BASE bill for ATM, debit and credit card activity counts match the activity bills or reports that I receive from my card vendor?
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    The CU*BASE counts are determined by all activity (member transactions) in each channel and are inclusive of generated transactions such as fees and overdraft transfers . Bills or reports that credit unions get from their card vendor only include totals for the base transaction. The following samples help illustrate this: Sample Credit Card Activity: Sales drafts 21,420 Foreign currency fees 296 Finance charges / overlimit fees 2,579   More...
  • 20. Rent vs. Buy Calculator to help you determine if it makes more sense for you to rent or buy your home.
    Preview
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  • 21. We've signed a contract. When do we start working on our conversion to CU*BASE?
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    You've already begun? Even through our product demonstrations, our sales staff have gathered information that will be used for a successful transition. You will be assigned a Conversion Coordinator who will contact you approximately 6 months prior to your assigned conversion date. The next step is a visit to your credit union to meet with key staff for more detailed information about the products and services you offer (this is called the "Pre-Site" visit). On a less technical level, we begin t  More...
  • 22. What is involved with a Systems Team "pre-site"?
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    CU*Answers wants to ensure your conversion goes as smoothly as possible. To meet that goal, a complete survey of all credit union computers, printers, hubs, switches, data cabling, and software will be made to ensure compatibility with CU*Answers systems. Should your credit union have an existing Internet connection, a brief inspection will be made for proper security precautions, such as a firewall and an updating anti-virus solution. After the survey, a detailed report will be generated and   More...
  • 23. What are your recommendations for choosing a date for my conversion to CU*BASE?
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    There are several factors to consider when choosing your conversion date. CU*Answers has developed a "Best Practices" set of guidelines to help you make the right decision for your situation. Use the link below to view these guidelines, then talk to your Sales Representative and Conversion Coordinator.
  • 24. How do you plan to stay informed and keep us updated with the industry standards and new products and features?
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    Through our clients, and through the work we do in the industry either through sales efforts or educational/partnering projects like Member Value Network or Callahan Associates. It is important that credit unions focus on what works for them based on their scale, ability to reach members, and controlling costs. CU*Answers will be hesitant to spend funds to chase MBNA and others who rely on a completely different set of market conditions to make a dollar. Credit unions must use the advantag  More...
  • 25. What is MVI?
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    MVI is an acronym for Millenal Vision Incorporated. They are an electronic document capture/storage vendor and a competitor to eDOC Innovations. As of 01/01/2010 CU*Answers has 4 CU's utilizing their products. By Postal Mail: Millennial Vision, Inc. 4578 Highland Drive, Suite A-150 Salt Lake City, Utah 84117 By Telephone: Telephone: 801-277-6686/ 888-684-6684 Fax: 801-277-6696 Technical Support Phone: 801-277-6686 By E-mail: Sales Information: sales@mviusa.com Technical Support: support@mviusa.c  More...
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