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...

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.

There are several configurations that control the member’s ability to set up and maintain Automated Funds Transfer (AFTs) online. Does your credit union's Personal Internet Branch configuration allow the maintenance of AFTs? Are AFTs configured to show in online banking? Does the member's PIB configuration allow maintenance of AFTs in online banking? For existing AFTs: Is the record locked to prevent changes in online banking? 1. Does your credit union's Personal Internet Bran  More...

Yes, you can designate your credit union's own savings (or checking) account number to receive round-up funds when setting up a member's round-up transfers, if you wish. 1. Launch Tool #14 Member Personal Banker for a member who wants to participate 2. Select the Debit Card Roundup enrollment button and double click on the member's desired suffix 3. Enter in your credit union's internal account for the account to which you'd like the round-up funds transferred (this accou  More...

Online banking is activated via Tool #14 Member Personal Banker and select the Online banking/ARU (activate, change PIN/password; view password history) option. Audio Banking is activated via Tool #1072 Update Audio Banking Access (ARUPIN)

In the past, when reporting credit cards to the bureau, CU*Answers sends the maximum disbursement limit field for both the high credit amount and the max credit limit fields. Effective with the CU*BASE 11.4 Software Release (Nov/Dec 2011), a change was made so that this is no longer true. For open-end loans, we will report the larger of the Crrent Blance or the calculated High Credit Amount. Since members can draw on these loans at any time, the High Credit Amount will be determined using the   More...

SWIVEL Per your credit union contract with SWIVEL, your credit union advises SWIVEL what you wish the limits to be for the following timeframes. These are per day. per all credit union transactions (both member and accounts payable) as follows: Maximum Per Transaction Limit ( any one single transaction) Total Daily Limit ( all items/all members in one day ) 48-Hour Limit ( all items/all members in 2 days ) 10-Day Limit ( all items/all members in 10 days ) 30-Day Limit ( all items/all members in  More...

Unfortunately Intuit has made it very clear they will not work with us on your behalf, and generally will work only with their paying customers (your credit union or your member). However, here are a few things to suggest to your members that might help narrow down where the problem lies: Ask them to make sure they can log in manually. If they can't log in manually, Intuit won't be able to, either. There are two sites to try: Standard site: https://www.bizlink247.com/###/authenticatio  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...

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...

All three of these terms describe the manner in which a credit disability premium is calculated for a specific loan. Single Premium - Calculates the premium through a set of rates that correspond to the Original Term of the loan. The premium amount assumes insurance coverage for the full term. This premium is added up front to the loan balance when the loan is created, hence Single Premium . If the loan is paid in full early, the borrower is entitled to a refund for the time between the pay  More...

The first thing to do when a member claims their Pay My Bills icon is missing from online banking is to check their personal PIB profile. Here's what to do: 1. Launch Tool #14 Member Personal Banker 2. Enter the member's account number and press Enter 3. Place a check in the Personal Internet Branch (enroll of change PIB settings) box 4. Press Enter 3 times to reach the appropriate screen - Configure PIB Profile 5. Look at the very last option on this menu - Manage Online Bill Pa  More...

The one thing you do NOT want to do when you get a returned email is to change the email address to a fake one like bademail@xxx.com. Instead, check the Wrong email address flag on the member's account. You can access this flag anywhere an email address can be entered, such as through the Name/Address button (F14) in Inquiry and Phone Operator, or via Tool #14 Member Personal Banker (shortcut: pb), or via Tool #15 Update Membership Information (shortcut: umbr). When a member's ema  More...

Members who apply for membership via online membership applications (MAP) can be approved as members via Tool #13 Work Online Banking Apps/Requests ; however, this does not activate online automatically. To activate online banking, use Tool #14 Member Personal Banker . Use the reset password feature to activate online banking and set a temporary password for the member. This will reset the password to the temporary password setting configured by your credit union. This will appear on the p  More...

Ever wondered just how many times members really do call up and ask that their online banking password be reset? Might seem like some members call every other day, but until now there wasn’t really an easy way to tell. The PIN/Password Change History screen answers that question quickly and easily. When accessed via Tool #14 Member Personal Banker , you will see just a single member’s history, which is helpful if you are talking to a member on the phone. When accessed via Tool #505  More...

The system will automatically generate an email any time an member's password is reset using the tools in CU*BASE (such as Tool #14 Member Personal Banker ) or in online banking by the member. This message is sent automatically to the email address already on file for the member. This is a security feature that is intended to warn members if someone else initiates a password change on their accounts without their knowledge. The content of the email reads as follows: If changed by a member in  More...

We will not be converting any existing members who have only the See feature activated so that they automatically allow Jump for those relationships, but you can make those adjustments yourself as members request that access be reinstated. Use Tool #14 Member Personal Banker then choose See/Jump Relationships . Since we are still considering how to introduce a different type of See functionality in the future, at this point we will not be removing the existing settings from the configurat  More...

When a member goes through the Pay My Bills option in online banking and accepts the CU*Answers Terms and Conditions Agreement, they are actively enrolled on the CU*BASE core processing system. The member is prompted to continue with the enrollment and iPay also delivers and Terms and Conditions Agreement that needs to be accepted, which creates the member as a subscriber in iPay. If the member does not accept the iPay Terms and Conditions agreement, iPay does not create a subscriber for this me  More...

The easiest way to find out the status of the warranty is to call Dell. The first thing that should be done is find the Express Service Code . This is a 10-digit numerical code that is located on the PC. Once the Express Service Code is found call Dell Customer Support at 1-800-456-3355.

This calculation uses the standard calculation for daily interest on a loan, using a 365-day simple daily calc type with the current balance (CURBAL) and the rate on the loan account (MEMBERx) record. For example, imagine a written off loan with a current principal balance of $25,000 and a rate of 14.50%: 14.50% 36500 0.000003973 daily interest factor 0.000003973 $25,000.00 $0.10 daily interest amount Keep in mind: This process always uses the 365-day interest (simple daily) calculation, even  More...

There are four ways that information is communicated to the caller in CU*Talk: Static Audio Prompts/Custom Prompts – these are the CU-defined welcome messages, hours and locations. (NO SPANISH OPTION CURRENTLY.) Text to Speech – a custom option for the credit union in which information is grabbed from CU*BASE and communicated via a text to speech program in CU*Talk. This can include the welcome message, hours and locations, and rate descriptions and their corresponding rates. (NO SPA  More...

If you are considering purchasing a new workstation, here are some questions to ask yourself to ensure that you get all the features you need! First, be sure to review the CU*BASE workstation hardware and software requirements on our best practices page: http://cuanswers.com/client_pm_bp_network.php When purchasing any workstation, consider: 32 or 64-bit Operating System? CU*BASE and ProDOC are compatible with either operating system - but CU*Answers cannot make any guarantees about third part  More...

When using Tool #990 Work With Accounts Payable Vendors to verify your 1099 vendor information, take special care that you are entering the correct 1099 box number from the 2020 1099-MISC form instructions; especially paying attention to box numbers that changed, including 7, 9, 10, 12, and 14. As an example, if your vendor reports Gross Proceeds Paid to an Attorney , that was previously box 14 and is now reported in box 10, so in order to report this correctly you must change the 14 to 10 on t  More...

If you use the CU*BASE Escrow Payables system for your mortgage loans, you can obtain the yearly amount that is being scheduled to pay for PMI from the Escrow Disbursement History on the individual loan. Launch Tool #570 “Open /Update Escrow Disb. Records” Enter the mortgage account number Select the Payee that represents the member’s PMI Choose the History option Depending on when you view this history, of course, you may need to extrapolate any remaining months of the year t  More...

Yes! The Call Report software is able to calculate more than one automation routine for the same NCUA account code. This is especially useful for the loan areas of the Call Report when you need to gather information from various codes (purpose, security, category, G/L) for the same NCUA category or if you have off-trial-balance (OTB) loans and in-house loans that fall into the same NCUA category. Each automation routine is set up separately then is automatically added together to provide the   More...