There are four types of debt protection plan types. 1= Single, 2=Joint, 3=Co-Borrower, 4= Blended. The transaction descriptions are: 1. SIngle Debt Pro Fee, 2. Joint Debt Pro Fee, 3. Co-borrower Debt Pro and 4. Blended Debt Pro Fee.

CNS offers our clients a variety of solutions to maintain software hygiene on their networks. Most of these solutions are automated, and with user cooperation to complete reboots, it's relatively easy to keep your systems up to date with current software versions. However, there are some important limitations to the automated processes that are important to understand. This article presents those considerations. For Complete Care Clients that do NOT Elect Third Party Patching Services:   More...

Download the Software Note: Our network requirements have been updated and can be found here . Please verify with your IT vendor that these changes have been put into place before attempting to download Station Control. You can download CBX from this link . Site-Four clients please use this link . Instructions for Manual Install of CBX Station Control Run the downloaded CBX Install Suite Prod CBX1.exe installer. This will require administrative privileges on the workstation. 1. On the CBX In  More...

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...

Using CU*BASE to Comply with New Rules for Tracking Beneficial Ownership FinCEN has issued new rules under the Bank Secrecy Act that require financial institutions to identify and verify the identity of the beneficial owners of all legal entity members (corporations, etc.). Under the final rule, credit unions are required to have written procedures to identify and verify beneficial owners of legal entity members who open new accounts on or after May 11, 2018. In addition to identifying and coll  More...

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...

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...

For an additional level of security or to fulfill complex password requirements, members may add special characters to their passwords. They may also add special characters to their security question answers. Some members may even use the feature that allows them to create their own security question, and they may elect to include special characters in that as well (for example a question mark). Allowed special characters are listed below. Some characters have special significance to certain   More...

These message indicators appear on the CU*BASE loan insurance premium posting report (TCUNAS2 / TCUNAS3) and the Debt Protection Fee posting/exception reports (TCUNAD2 / TCUNAD3). By looking at the reports, you can tell if a premium / DP fee posted or not based on the exception. LOAN INSURANCE MESSAGES ADD SIGN There is joint coverage on this loan. There is either no 'additional signer' record, or the birth date for the additional signer is missing or invalid. JT TO SG There is joint cov  More...

1) Go into the Windows control panel and select “Programs and Features” Verify that one of these conditions is TRUE: Your system contains the highlighted line in the image below showing the correct version number of 4.4.0.22. Your system contains the highlighted line with any version PLUS the line showing Topaz SigPlus Upgrade published by eDOC Innovations Inc. 2) If you are not on the ccorrect version and need to upgrade go to updates.cubase.org and run the Topaz driver inst  More...

GUAPPLE is short for GOLD Update Appliance. The GUAPPLE is a stand-alone network appliance that takes the place of the GOLD-Master update server PC. It is designed to seamlessly handle all of your GOLD software update retrieval tasks. No effort is required to retrieve software updates when using a GUAPPLE device. It will acquire GOLD update files automatically as well as custom loan screen updates, doing away with manually downloading and extracting software update files. One GUAPPLE unit  More...

The two reports are using different criteria to determine loan delinquency: Loan Delinquency Analysis With the 13.0 release in the spring of 2013, the Loan Delinquency Analysis Report (Tool #461) was changed to report loan delinquency in days instead of months per updated NCUA requirements (see below*). The current processing date is compared to the next payment date to determine the actual number of days delinquent. This is most commonly used report for obtaining delinquency information for  More...

Beginning with the 17.10 CUBASE Release (October 22, 2017 for online clients), CU*Answers implemented the CUFMAINT table, which includes data from the CUFMNT table, as well as additional data not included in CUFMNT. CU*Answers recommends using the CUFMAINT table for all report building and query activity. If you currently have any Queries using the CUFMNT table, they will still work, as CUFMNT is now a View over the C UFMAINT table but without all of the additional information, so it will s  More...

Unwanted Topaz Systems Driver files may be located in a few different locations depending upon which version of windows you have. You will likely need to be logged on as a local administrator to remove them. They can exist on any workstation running ProDOC regardless of whether or not a signature pad is attached. For Windows 7 or 8 The current version in use should be located here: C:\Windows\SigPlus\SigPlus.ocx and should not be removed. Before you begin make sure this is version 4.4.0.22 o  More...

The previous tools used for uploading and downloading to and from CU*BASE will be retired when your credit union recieves the 20.07 CU*BASE software release. For online and Site-Four credit unions, that date is Sunday, July 12. Self-processing credit unions will receive the release the following Sunday, July 19. To replace the two tools, a new tool was introduced in November 2018, Tool #1375 Data Transfers (Upload or Download) . Following the release, this tool will be the default data transfer  More...

The data for the totals on the EFT Card Portfolio Dashboard are summarized on the second of the month for the previously completed month. For example, on July 2nd we summarize the data from June. The data is built from the the transaction history tables. Here's now the program totals the data, using a date of May 2020 as an example: Credit totals represent all amounts (rounded to nearest dollar) where: Origin code (TRORIG) = 22, and The first two characters of the description are ‘CC&  More...

The following Reason Codes are used with the A2A processing: 00 - Payment accepted 01 - Invalid bank routing number 02 - Invalid checking account number 07 - Algorithm code invalid 08 - Invalid alternate company 09 - Missing or incomplete data in URL 10 - Invalid date format 11 - Invalid access number 16 - Bad password 17 - Invalid User ID 18 - Transaction already processed 19 - Account info does not match 20 - Invalid credit card number 21 - invalid credit card expiration date 22 - Credit card   More...

Since closed-end loans are usually closed automatically when they are paid off, there is no opportunity to choose a reason code when that final payment is being made. However, if you are using Tool #22: Close Memberships/Accounts to manually close an zero-balance loan (such as an LOC or credit card), you can enter a reason code on the Close Other Accounts window . It will be recorded in the RSNCDECLO field on the ACHISTx table for that closed account. If you wish, you can use Tool #902 Update M  More...

Starting with the 22.05 release , yes! If you have written off a loan account using Tool #1006 Write Off/Charge Off Loans , each day the system will calculate a day's worth of interest and record it in a new field in the Written-off Loan History. This is not an accrual; nothing will be booked to your GL. Rather, it is a simple calculation of one day's interest, showing what would have accrued if the loan hadn't been written off. This amount increments every day so that you have   More...

Remember that this new value only started being calculated with the implementation of the 22.05 release in May of 2022. However, if you had been tracking this manually via a spreadsheet since write-off, use these steps: Launch Tool #1030 Write-off/Chart-off Loan History Maint Enter the written-off loan account number Calculate the sum of whatever amount appears in the Int accrued since write-off field now plus your tracked figure, and enter that total into the field Click Update (F5) to   More...

The previous calendar month totals for principal, interest, escrow and fees come from the TRANS2 file and are captured as indicated below. Principal last month Tran code 22/All tran types = add PRINCP (principal amount) Tran code 23/ Tran type not 60 or 61 = add PRINCP Tran code 23/ Tran type 61 = subtract TRAMTP (Transaction amount) Tran code 24/ Tran type 85 = add PRINCP Tran code 25/ Tran type 95 = subtract PRINCP (Type 60 is fine payment and 61 is escrow payment. Type 85 is credit/post  More...

The CTR did not populate because the system calculation can combine only those transactions that were posted at the same time. In this particular situation the member had seven deposits within a few minutes of each other where the total amount calculated under his Social Security number exceeded the credit union configured CTR flag amount over $10,000. None of the individual amounts he deposited, however, exceed the $10,000. The total excess of $10,000 calculated placed him on your BSA monitor  More...

The Audit Link service consists of three interrelated business activities. The first is an overall analysis of the credit unions needs, hot buttons, and recent audit or examination findings. This analysis is designed not only to tailor the program for the credit union but also to facilitate an overall general compliance tune-up. The second area of this initiative is the development of a daily, monthly, and quarterly roadmap of tasks to be completed. This is where the credit union would see the  More...

The IRS, which makes changes to tax form layouts almost every year, recently added this new informational box to form 1098 to report the balance on a mortgage account as of January 1 of that same tax year. Each year on January 1 we capture the loan balance on all loan accounts in a special file, and then when tax forms are created at the end of the year we can use that figure. Therefore, for loans that were opened in a prior tax year, this balance is usually easy for members to understand.   More...

Tool # 518 Members Reg. E Opted In/Out/Undecided is a canned Query that will split your membership by those opted In, then opted out, and finally those undecided. Any maintenance performed on the new Opt In/Opt Out flags that are within the membership and sub accounts write out to file MASTRL in FILExx, which can be queried to monitor for activity. We suggest monitoring this daily. Select Records of MTANROPT (Reg E Opt In/Out Flag) equal to ‘I’, and MTANROPTDT (Reg E Opt In/Out E  More...