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...

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...

If you need to allow an employee to perform upload and/or download tasks (FinCEN, AIRES, ALM, uploading G/L entries to post, etc.), you must first complete the iShield Security Access Request form and have it signed by your credit union’s designated Security Officer to sign. Once our Client Services team receives your signed form and verifies it, a request will be submitted to our System i administrators, and you will be notified when the new permissions have been granted. This process wi  More...

For CU*Answers online clients, effective in March 2017 the standard online retention is 12 months for basic savings and checking accounts, and 48 months for all certificates, IRAs (shares and CDs), HSA share and checking accounts, club accounts (such as vacation, holiday, Christmas), tax escrows, and all loans. Prior to March 2017, data retention was 6 months for savings/checking, and 24 months for other member transaction history . Note that when this data is purged, it also removes the additio  More...

When members receive an error code of 1 or 2, there is a very simple fix for it in CU*BASE. It's Me 247 online banking and bill pay (Fiserv) programs communicate with each other automatically through an authentication PIN every time we go from one to the next. When we see a status code of 1 or 2, it is telling us there is an issue with this PIN. It is easy to reset and the member will be able to get into bill pay within 24 hours. Launch Tool # 14 Member Personal Banker. Enter the member&r  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...

Enter your device library by launching Tool #326 CU Hardware Configuration. You will need the correct authority to do so. Decide what the ID for the new device should be based on your existing device listing. Complete a Workstation Request form and fax it to the Systems Team at (616) 285-5735. If you don't have one available, you can get one by by going to NET > Technical Support Info > Links in your GOLD session; choose the New Workstation Request. Requests will be completed within   More...

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.

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...

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...

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...

Equifax 01841 – Beacon Augmentation Code 01855 – Multi-Screen 1.0 02575 – Multi-Screen 2.0 Experian F - Experian/Fair Isaac Risk Model V2 I - Experian/Fair Isaac Risk Model 3 - National Risk Model A - Old National Risk Model B - Experian/MDS Bankruptcy Model BP - Bankruptcy PLUS Model Trans Union FICO Classic Risk -EMPIRICA 95 - to be retired by end of year 2005 00002 - Delinquency (90+ days) or worse within 24 months FICO Classic Risk - EMPIRICA Industry Options 95 -   More...

The e-Alerts that warn a member his balance has gone below (or above) a certain dollar amount are generated once the member's available balance falls below or above the configured tolerance. At that time, the e-Alert will appear in the online banking message center. The accompanying email notifications are sent within 30 minutes of the the online banking notification. (Self-Processors and other cuasterisk.com partners may opt to send email notifications more or less frequently based on syste  More...

Encrypted backups are made to NAS devices. Backup system is monitored 24/7. Backups are made daily. Backups are virtualized for speedy recovery. Credit unions may purchase media, or may download all their reports and documents to their own in-house devices. These backup processes are tested quarterly.

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...

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...

There are several common reasons for this issue. The following questions may help uncover your member’s problem: Is the member's password slightly different than what they remember? A member may accidentally type a different password than the one that was used when they set up their password. Is the member typing their password with capital and lower case letters? Your member may not realize that passwords are case-sensitive. This is different from usernames and security question an  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...

NOTE: This Knowledge Base item will be adjusted as more is learned about CBX. This DOES NOT supersede the existing network components but complements them. Ports are TCP unless noted. In addition to the routes listed in the CU*Asterisk Network Requirements Knowledge Base item , self-processors must also route the following to CU*Answers: 63.236.240.89/32 10.10.1.0/24 Requirements for CBX: CU*Answers requires any CBX environment to be in an isolated, sole-purposed DMZ to protect you from our netw  More...