Digital wallet enrollment and maintenance data is not sent to the system from card vendors. Contact your card vendor to determine if they store (and could give you access to) this information. Tip: If your card vendor can provide a list with identifiers and you have an Asterisk Intelligence Data Warehouse, you may be able to save this data to your warehouse to query/analyze alongside core data. (Examples of identifiers could be last 4 of card, Last 4 of SSN, etc.)

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...

The check digit is the result of mathematical calculations that are used to verify the accuracy of the account number. Currently the IP Dept supports ten different Check Digit Routines (CDR). Each CU is allowed to have two different CDRs set if needed. Any account number that does not fit the established CDR for the CU will become a rejected check and will have to be keyed manually by IP staff. The CDR helps reduce the number of invalid account numbers on the CU exception report and also provide  More...

Tips for Recognizing a Fraudulent Check What is a Fractional? A fractional is used to determine the financial institution of the share draft if the MICR line is ever damaged or torn off: 2 digit city and state prefix pre-assigned by “Accuity” (in the example, the prefix is 25 – see red below) Digits 5-8 of the routing number and transit number indicating the institution identifier (in the example, this is 5678 – see blue below.) First 4 digits of the routing and transit n  More...

Here are some ideas of things to remind members: If an online banking username was set up, the account number can no longer be used to log into the account. You may need to clear the username to allow the member to create a new one. Refer to the directions below. Your member number is the main account number that identifies your relationship with the credit union. Your account number can be up to nine digits long. Be sure that the number you are entering does not include the share or loan accou  More...

Apple recently provided their Issuer Functional Requirements for Apple Pay. Apple stated that by January 15, 2026, if you have an app you must implement in-app provisioning. Our initial interpretation is that Apple's requirements are at the card-processor level; if a credit union today wishes to enable Apple Pay, the credit union enables the solution at the card processor and the member manually puts in the card in the Apple Pay wallet. However, while examining due diligence on this, we sp  More...

Keywords are not case sensitive. For example, you can type either help or HELP or even Help and you'll get the same result. BAL Reponses to BAL include the available balance on three savings accounts/and or checking accounts. Member Text: BAL Text Response: xxxxxxxxxxxxxxx:$-9,999,999.99, xxxxxxxxxxxxxxx:$-9,999,999.99, xxxxxxxxxxxxxxx:$-9,999,999.99. Reply HELP for help. Msg Data Rates May Apply. If multiple memberships are enrolled with the same phone, the response will ask you to specif  More...

As we transition from CU*BASE GOLD to CBX, we are shifting from an application that runs directly on a workstation to a more modern, browser-based solution. Previously, CU*BASE GOLD relied on command-line arguments and local temporary files to interact with multiple applications. This approach is not sustainable for the future, as web browsers lack the capability to execute command-line requests and require called applications to be installed and registered on the system. To address this limitat  More...

The purpose of these steps is to assist credit unions in connecting to their virtual environments during the week of testing. 1. Install the Omnissa Horizon Windows Client. Download the Omnissa Client for Windows. (Click HERE to download the file) Click the Download Now button, wait for the client to download, then open the file to start the installer. Select Agree Upgrade. The installer will run through and apply any patches or prerequisites. Once completed, the installer will ask you to   More...

In the MICR line, the draft number is generally in positions 17-14, but can occupy positions 17-13. The ANSI standards do not dictate that position 13 must remain vacant. If your credit union uses a 14-digit MICR, there is usually only room for up to a four-digit check number on the bottom of the checks. There is a risk of overwriting the check number if you use a five-digit check number. If you use anything less than a 14-digit MICR, there is no problem with a five-digit check number. checks

The Process Code or PROC CODE on this screen refers to which accounts CBX is going to look at to see if we can authorize the transaction or which account we are going to process against when the vendor is sending a completion. It is a 6 digit field and is broken down into 3 sections to determine how CBX should process the transaction. First is an explanation of how this 6 digit code is broken down and what each segment refers to: OO FF TT in this example the first two digits would be the   More...

Yes. When reviewing the history on the account, you can select the additional transaction information for the transaction in question. This will take you to the Recorded Card Activity screen for this transaction. The top of the screen presents the last four digits of the card #, and right below that, the embossed names. If a husband and wife each have a card with the same PAN (card #), you can find the card sequence # in the top right corner of the Recorded Activity Screen. This will allow y  More...

The Internet Retailer Support Center (IRSC) is a support desk at CU*Answers for credit union virtual channel project managers. It brings together several digital strategy products into one cohesive location and a single point of contact—no more searching across CU*Answers’ websites for forms saved in different places! Credit unions looking to expand their virtual channel marketplace will be able to shop and explore the offerings online as well as check project development status. The  More...

T o order an online credit card for a co-applicant on the loan account, you would complete the following steps: Launch Tool #12 Update/Order Online Credit Cards Enter the member number and suffix for the Visa loan account OR If you have the last 4 digits of the primary member's Visa card number, you may enter that instead Use Enter to continue On the next screen you will see a card that has been ordered for your primary member only. On the lower left corner of the screen, choose Add   More...

Yes, if an online note is programmed in CU*BASE, it will be presented to and signed digitally prior to the loan funding. If the member cancels out and does not sign the form, the loan will not be created. Instead, the system will submit a loan application to be worked in the LOS Loan Queue (Tool #2). Deposit Secured loans do require special loan forms specifically coded for this type of offer. Your standard loan forms cannot be used with this feature without the special coding. f you are anx  More...

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...

No. CU*Talk includes a mechanism to intercept and automatically downsize the balance sizes to the maximum number of digits CU*Talk can handle and reformat the dates from the database before sending it on to CU*Talk to be relayed to the members. Amounts that too large will cause a generic message to be read to the member that the amount is currently not available. Our plan is to address that if and when we start seeing member balances and activity grow to the point that CU*Talk needs to be abl  More...

To protect the data in the CTE file and any potential complications from interactions with other production libraries, we strictly control the security access to configurations and other features on the custom training environment. Therefore, our CSRs must handle all security-related tasks. The limited number of user and employee IDs is necessary to make this maintenance manageable and as automated as possible.

We pull data from many different tables into a new behind-the-scenes table called a view. When a search is performed we look at everything in that view and return a result wherever we got a hit in any column or row in that table. The view selects data from the following files: MASTER membership info (account base, DBA name, employee #*, last name, first name, middle initial, reference*, SSN, member type) MSNONMBR non-member info (SSN/TIN, first name, last name, middle initial, member type) Th  More...

Only a CU*Answers team member can add a new user ID to CU*BASE. Please submit a “Credit Union Security Authorization Request” available in the store. (See link below.) This form must be completed and signed by the credit union’s security officer listed on file at CU*Answers. Please complete ALL fields of ‘Section 3: Credit Union Authorization’, or the form will be rejected. The User ID request is added to AnswerBook for documentation. All CU*BASE user IDs are ten-  More...

Unfortunately not all of the files used for Participation Lending reports are run using month-end E files (the EOM snapshot), but rather pull from current participation lending files. When a loan is deleted from Participation all PLLOAN and PLHIST records are deleted with that – this is why rerunning any reports are changed; there is no history to include in those new reports. We recommend the following: Always make sure you create and ARCHIVE the reports needed when processing end of m  More...

Yes. On the day a share account type is closed, the record is flagged to move to the closed file when the nightly process is performed. The system will not allow the same 3 digit suffix to be opened during that day (while it is waiting for the nightly process). However, there are times when account types are closed in error. CU*BASE provides Tool #711 Re-Open Accounts/Memberships Same Day to remove that closed flag. If the account was closed on a previous day then the normal Open Accounts pro  More...

Both the NII and NI are important but for different reasons. Changing interest rates directly affect interest income and dividend and interest expense. The difference between these two is the NII so in a changing rate environment, actual or simulated, the NII will change depending only on market conditions and the repricing attributes of the balance sheet components. The NII is not influenced by operating expenses, fee income, or the loan loss provision. As such, it is the most important  More...

The second Audio Banking Access screen in CBX ( Tool #1072 Update Audio Response Access ( ARUPIN)) allows an employee to reset a member’s audio banking (CU*Talk) PIN to the last four digits of the member's SSN. The member is required to change this PIN when they access audio banking the next time. If activated by your credit union , this the employee may also be able to reset to a custom PIN known only to your member and the employee who resets it. IMPORTANT NOTE: This custom audio b  More...

CBX Standards for Foreign Addresses Following are standards for entering foreign member addresses into various screens in CBX. These standards were taken from US Postal Service guidelines as of September 2002. The “Foreign Address” Flag The Foreign Address flag in CBX must be checked in order to enter a foreign address in the recommended format. This flag is available from all CBX screens used to update member address information. Do not check this flag for any US addresses or for an  More...