Many CNS Complete Care network management clients are securing the services of third-party network security vendors to provide cyber security management and oversight of their networks. CNS strongly recommends that all Complete Care managed clients have a third-party security operations center vendor (sometimes known as a SOC) that specializes in cyber security monitoring and alerting, as the Complete Care management service is not a cyber security management service. CNS can assist your credit   More...

Of course we are always happy to assist you in explaining system features to your auditors and examiners. We will be glad to talk directly to your examiner to explain not only how the tools and security features work, but also the strategic ideas behind why things work they way they do and the direction in which we are heading. Please contact a CSR or our CEO directly if you need help working with your examiners.

CU*BASE only supports those with a valid US address for our QualiFile interface. If a member has a foreign address, you would need to process that through the website manually.

When you see the 'pass decision' status, this means that the application passed your filters and then passed the model. The underwriting ratios are not a hard stop and will not cause an application to pass or fail. Based on the workflow, a model is requested and a decision has already been made by the time those ratios calculated. The ‘fail’ flag in the underwriting ratio is simply a visual indicator to the loan officer that the ratio is potentially higher than normal.   More...

One reason is that the first name field is limited to 12 characters when running QualiFile (ChexSystems). If the member's name is longer than 12 characters, the scan must be run manually via their website.

While audio response originally mirrored the functionality of o nline , the paths for those two channels have diverged greatly as online banking has grown and expanded over the past several years. For example, while online banking offers an optional feature to allow members to update personal information online, no such equivalent feature exists in audio response. Additionally, members can no longer make transfers from their membership to another membership and cannot request check withdrawals.

Yes, if any non-return fees are assessed to a savings accounts and you have the Reg. DD disclosure activated for your statements. (This new feature was implemented in June 2010.) Although it is rare for a savings account ever to be charged a non-return fee, one example that might cause this would be if you had debit cards that were tied exclusively to a savings account. If the fee amounts are zero (NSF current period, NSF YTD, ANR current period, ANR YTD), then the NSF Fee Summary box will not  More...

There are three choices. 1. Manually add the estimated finance charges to the balance of the account and have the member make the full payoff at that time. Then clear the cumulative balance on the individual buckets to ensure that there are no finance charges assessed on the account. To do this you will launch Tool #20 Update Account Information. Select the credit card account and then select F16/Chg Type Maint. Select the individual bucket and select the Maintenance action code. In the cumulat  More...

Online Banking continue to work just fine whether you decide to activate PIB or not. Yo u should not activate PIB without some careful planning and preparation. You need a plan. A plan for marketing the change to members. A plan to train your staff. A plan for rolling out the changes with an acceptable level of disruption to members and staff. A plan to handle the increase in phone calls and frustrated members. A plan to make this part of your process for opening new memberships.   More...

No. PIB is a layered security solution , which is one of the three methods recommended by the NCUA to comply with the “Guidance on Authentication in Internet Banking Environment” (letter 05-CU-18). Remember that you only need to select one of the three available methods. (The other two methods are multi-factor authentication, and “other controls,” the NCUA’s way of allowing for technology that doesn’t even exist yet.) Although the term “multi-factor   More...

Delinquent fine calculations are based on whichever Delinquent Fine Code is attached to the loan. Every credit union has a Delinquent Fine Code of 0 (zero) which is reserved for No Delinquency (no delinquent fines assessed). In order to prevent a loan from calculating delinquent fines, the credit union would need to change the Delinquent Fine Code to the 0 fine code. The Delinquent Fine Code field can be maintained through Tool #20 Update Account Information.

CU*Answers has a rolling schedule of network security audits and assessments including internal and external penetration testing. We do not limit the scope of these tests to just the online banking environment. We also do not publish the results or reports from these tests for security reasons. The test results are reviewed by our Executive Team, our Board of Directors (made up of peer credit union CEOs), as well as examiners from the NCUA and state regulatory agencies. They are also reviewed b  More...

The settings that control how this works are part of Tool 558 NSF/Overdraft Transfer Configuration, on the Overdraft Protection Activation screen. There are four flags: Use Negative Balance Limits for Authorizations and Use Negative Balance Limits for Posting. They control whether the member's ANR limit is added when determining the available balance amount. There are four different combinations of these flags: Authorization Flag Posting Flag Description of Result N N Negative bala  More...

If you would like to warn your members who are about to go dormant about dormancy fees that will soon be assessed to their accounts, use the Dormancy Predictor file (DIWARN) in your credit union’s QUERYxx library. This file contains the account base only and is done during EOD on the first of the month (so it’s available to you starting on the 2nd). This file can be used with Member Connect features to generate mailing labels or send emails to these members before they actually be  More...

CNS is a trusted partner of our credit unions and often we are the first call when there’s a cyber event at an institution. However, there are important limitations to the cybersecurity services that CNS provides. CNS provides general office network design, implementation, and management services. CNS will monitor and patch for supported patches . CNS does not provide cyber security services. CNS does not warrant that managed networks are immune to cyber events or breaches or that lost dat  More...

One reason might be that the items were posted but no fee was charged. The most common reason would be a member who was opted out from Reg E services, so that when the item was presented we force-posted it but could not assess a fee. The other reason could be an item that fell within your configured no-fee tolerance, so the member didn't get a fee. This is because the program that actually writes out those detail records is the same program that posts the fees in the first place. If the f  More...

No, the 1Click Offers feature does not specifically support MLA requirements. MLA grants a number of protections for active duty service people and imposes specific requirements on the credit union in granting credit. At the heart of the matter is the calculation of the Military Annual Rate (MAPR) and the disclosures required prior to or at the time of extension of credit. The act requires that a unique APR be calculated incorporating things such as fees and credit life or disability. The MAPR   More...

Yes. You can find a copy of the signed letter of attestation that CU*Answers has completed the annual assessment of the FedLine Solutions Security and Resiliency Assurance Program via our Due Diligence site at cuanswers.com.

Whenever a QualiFile (risk assessment) scan is completed, a note will be added to the member’s Audit Tracker record. Audit Tracker records are stored with the base share (000) account record. Each credit union specifies the Memo Type codes they want to use for analysis purposes.

Enter into Member Inquiry Select a member account Select the particular credit card loan account suffix from the list Click the Credit Card Inq button at the bottom left Click the Detail button From here you will want to utilize the page up/page down arrows located at the bottom right of the screen. Doing so will bring you through a list of card transactions posted under each charge type code. Near the bottom on the left-hand side, you will see an Estimated finance charge amount. Use thi  More...

The CU*TALK Introductory/Startup Guide explains the features that are available with the standard Audio Banking system provided by CU*Answers. This system uses TCP/IP technology provided by Interactive Intelligence, Inc. (I3). Also refer to the links below for additional information.

To run a QualiFile risk assessment scan on a non-member joint owner, follow the steps in the related link below.

Here’s what NCUA letter 05-CU-18 says: “You should identify and evaluate the risks associated with the Internet related services you provide for your members... “Where the risk assessment indicates that the use of single-factor authentication is inadequate for the types of services period [sic] , you should employ multifactor authentication, layered security, or other controls.” So yes, if your risk assessment says that bill pay and moving money to other accounts are high  More...

The easiest way for you to gather information on NSF and ANR/Courtesy Pay fees is using Tool #557 NSF/ANR Statistics Dashboard . This tool allows you to review the totals of NSF/ANR fees assessed each month (by occurrences or dollar amount). Simply click the View Amounts/View Occurrences button to toggle between viewing the dollar amount or occurrences of fees assessed each month for the chosen year. For a more historical perspective, use the Year field to change the year for which you are viewi  More...

Overlimit fees on the credit card loan are assessed monthly at the end of the month for activity incurred during the month. If the member’s account goes overlimit at any time during the month, a flag is set on, indicating it should be charged an overlimit fee on the last day of the month. Once the fee has been accessed on the last day of the month, the flag is reset until the next time the member goes overlimit. A member is only assessed one overlimit fee in any given period. A non  More...