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1.
For security reasons, I like to lock out members from using online banking until they actually want to use it. But with non-use expiration and automatic deactivation features turned on, how do I run any sort of online banking promotion?
If you: A) automatically deactivate online banking access for all new members, and B) expire online banking passwords due to non-use after 90 days, then how do you run an online banking promotion? After all, sending a marketing piece to members won't do any good if they're disabled or locked out from logging in. Of course you could have them call the credit union to get set up, but here's another idea: Set up a special promotional period! Pick a date to start your campaign. Advert More...
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2.
What are Trends in Analytics Booth?
Analytics Booth Trends provide a quick and easy way to view your credit union activity over time. Trending information can show how your credit union is performing. Watch for blips and spikes to see if marketing campaigns are succeeding. Did you run a new membership drive last month? Watch the trend to see how it paid off. Trends can be viewed on over fifty key performance indicatiors including balance, member, and transaction data. The graphs displayed on the trends screen can be selected to More...
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3.
Can I change the graphics that display in Xpress Teller?
Yes, you can customize the entry screen of Xpress Teller with four custom graphics using CU Publisher suite. All four graphics can have hyperlinks. This feature allows you to market special services, offerings, promotions, or other campaigns you wish to keep top of mind with your staff as they assist members. Learn more about this feature in the store. See the link below. When uploading graphics CU Publisher be sure to use graphics that are 420 x 210 pixels if you use the standard size screen. More...
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4.
Does Xtend offer a data hygiene campaign to assist me with cleaning up my email and phone numbers for my MFA rollout?
Yes. Xtend offers a data hygiene campaign to assist you with cleaning up your email and phone numbers. Click the link below to learn more.
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5.
If I opened a mortgage loan in February but didn't disburse it until March, what balance will reported in Box 2 of the 1098 form as the beginning balance for the year?
For loans opened during the same tax year, the system uses the end-of-month balance from the same month when the account was opened for the beginning balance reported on form 1098. Since the loan was opened in February but not disbursed during February, that EOM balance will be 0.00, which is what will appear on the 1098 form for that tax year. Remember that CU*BASE does retain balances for every loan for every day of the year, which is why we must use a balance from the end-of-month snapshot. More...
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6.
How do member phone numbers work as they relate to card orders and maintenance?
CU*BASE uses phone numbers that are stored in the MASTPH file when generating card activation information to send to vendors on initial card orders. The numbers in MASTPH are determined by the label/flag applied in Tool #3 Open/Maintain Memberships/Accounts or Tool #15 Update Membership Information as follows: Nighttime # - primary phone number sent to vendor and defaulting into the Card Activation field when ordering a card. Daytime # - secondary phone number sent to the vendor. Mobile – More...
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7.
What is not affected by 7-day back office processing? What do ACH transfers, OTB transactions, Remote Deposit Capture (RDC), and eAlerts have in common?
The following things are not affected by 7-day back office processing changes implemeted in February 2019. ACH - ACH will continue to process as always. OTB - OTB is not affected by 7-day back office processing. RDC - Deposits are processed seven days a week or by credit union configuration. eAlerts - These are sent with an automated process that is not changed with 7-day back office processing.
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8.
What columns/fields, files/tables, and programs are included in the File Maintenance Inquiry "Critical Monitoring?"
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...
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9.
How do I set up a loan so that the payment is due on the last day of the month, and automatically changes according to the number of days in each month?
When setting up the loan request, enter a First payment date that is the appropriate month-end date. For example, if creating a loan request on August 25, you would specify that the first payment is due on September 30. Then enter a 31 into the Payment day field. This will trigger the system always to use the last day of any given month going forward (31, or 30, or 28 or 29 for February). To adjust this on new loan requests going forward, set the Day of first payment as 31 using Tool #470 Loa More...
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10.
Why does the Fee Refunds History by Employee dashboard (Tool #370) return different results when I run it at different times, even for the same date range?
In this tool, you can request which date range to view. For example, in February, you can view Jan 1 through Jan 31. However, if you run this same date range in March, you may see different results. This is because this dashboard requires a MASTER record (an open membership) to display the refunds for that account. If a member received a refund, then subsequently closed their account, the total count of fee refunds are no longer displayed, thus resulting in different counts.
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11.
Do you have an explanation for members concerning the APYE calculation on their statement?
Truth-In-Savings requires certain disclosures on periodic statements. One of the disclosures required on dividend-bearing accounts is the “annual percentage yield earned (APYE)”. The APYE is an annualized rate that reflects the relationship between the amount of dividends actually paid to the member’s account during the period and the average daily balance in the account for that period. *Note - this calculation uses the member’s average daily balance for the period, More...
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12.
My Auditors are requesting that I provide them with a 1096 form. What is this and where can I find it?
A 1096 IRS Tax Form is required if an institution is filing your IRS Tax file using paper format. Since CU*Answers transmits your IRS Tax File electronically this form is not required to be completed. Reports (P1099 x, P1098 x , P5498 x) are generated automatically for each form type are generated when our Operations Team creates the files for the IRS in February and May. These reports contain the totals for each tax form type created.
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13.
When did CU*Answers start processing seven days a week?
CU*Answers began 7-day processing on Sunday, February 3, 2019.
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14.
How to change website links to "BizLink 247" instead of "It's My Biz 247"
Between February 23, 2021 and June 11, 2021, credit unions who have links from their website to our business online banking product (formerly known as It's My Biz 247 ), will need to adjust the URL on those links to BizLink 247 as follows (the parts in red are the only parts that need to be changed, and ### represents your online banking ID): OLD ADDRESS NEW ADDRESS https://www. itsmybiz247 .com/###/Authentication/Username https://www. bizlink247 .com/###/Authentication/Username https://p More...
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15.
What are some frequently asked questions about multi-factor authentication (MFA) for "It's Me 247" online banking and "BizLink 247" business banking?
Below are some commonly asked questions about MFA. Below the questions are some fuller feature documentation resources. If members receive their one-time passcode for multi-factor authentication (MFA) via a text, how will my CU be charged for that text message? After my credit union activates multi-factor authentication for It’s Me 247 , do my members using the “jump” feature (to access a second membership without entering credentials) need to use MFA during this jump? Can you More...
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16.
2017 Device Name Expansion Project
Due to the growth of our network, during 2017 we will be changing the naming convention we use for CU*BASE devices (printers and workstations). We're expanding the number of characters in each device name so that more devices can easily be added as we continue to grow in the future. This new, 7-digit format will include: The CU ID The Branch Location The Device Type The Sequence Number What Your Credit Union Needs To Do CU*Answers will be working with your credit union to prepare for More...
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17.
Can I have CU*BASE default the applicable delinquent fine code into that field when I am building a new loan request?
Yes. There is an Amortization Default option available in each of your Loan Product Code configurations which allows credit unions to default amortization criteria such as: Delinquency Fine Code, Rate, Payment Frequency, # of Payments etc. The system will then default this value into the applicable fields when creating a new loan request. These defaults are intended to provide consistency for all new loan requests, but can be changed/edited during the loan request process if necessary.
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18.
I am running the Selective Loan Information Report (Tool #788) to get a loan trial balance, and I want to use the "Last disbursed" date range to see loans disbursed during a particular month. There are a couple of loans that were disbursed on the last day of that month but they aren't on the report. What is happening?
This has to do with the difference between the business date and activity date on a transaction that occurs around midnight, when the system might still be processing on today's business date but the clock has already moved past midnight to a different activity (system) date. For example, a member uses online banking after midnight on the 1st but we haven't yet done EOD for the 31st, then the last disbursed date on that loan account record will still be recorded as the 1st (the activity More...
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19.
On our loan credit insurance and/or debt protection posting reports, we see exception descriptions that are abbreviated. What are their meanings and did the premiums/fees post or were they rejected?
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...
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20.
How do the federal holidays affect my deposit credits?
Corporate One FCU closes for all federal holidays. Credit for checks scanned the day before any federal holiday will not be available until the first business day after the holiday. If you scan checks on the holiday, credit will not be available until the second business day after the holiday. For example, say President's Day is Monday, February 19. Credit for checks scanned on Friday, Feb. 16 would not be available until Tuesday, Feb. 20, after 10:30 am. If your CU was open and you scanne More...
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21.
How can I find out where my members have loans, credit cards, or LOCs at other financial institutions?
If you pull credit reports using the CU*BASE online credit bureau access system, credit report data is stored online and can therefore be mined for opportunities. There are a couple of ways you can find this information: Use Tool #976 Where Your Members Borrow This tool pulls trade line data from stored credit report files, showing other financial institutions with whom your members do business. This tool lets you make a direct comparison between your credit union and a competitive FI. F More...
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22.
What are some strategies I can use to clean up my phone database for my multi-factor authentication (MFA) rollout?
With MFA, the member is presented a text message for a secondary authentication into online banking. Because of this, your credit union may wish to do the following to update the personal information that you have on file for your member. Xtend offers data hygiene campaigns to clean up your contact database. See the link to Xtend’s program below. You can add a banner in online banking that directs the member to the page where they can update their personal information in online banking the More...
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23.
How do I change a Social Security number that's on a non-member record and put it on a member's account instead?
There are several steps in removing a member's Social Security number: 1) Run a global search to see what types of relationship codes the SSN has with your credit union. 2) The first relationship codes you will want to review are the 'CB' or 'JI' which mean the non-member is a co-borrower and/or joint owner on the account. They need to be removed first. To remove them, launch Tool #3 Open/Maintian Memberships/Accounts, choose Update member information then Joint owners an More...
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24.
What are some basic browser troubleshooting steps to take when an issue with a website is encountered?
While it is possible that an issue someone runs into on a website is an issue with the web server or a programming issue with the site, it is very important to rule out any browser or workstation incompatibilities first. If the website is not being opened in a supported browser, for instance, it can cause errors that would otherwise not exist. So what are some standard troubleshooting steps than can be taken? Are you using the latest version of your browser? Just like any other piece of software More...
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25.
What is the difference between Annual Percentage Yield (APY) and the Annual Percentage Yield Earned (APYE)?
The APY calculates the annualized rate for a savings product and adjusts for compounding. It assumes a balance of $1,000 for a 12-month term. It also assumes no withdrawals are made during the 12 month term. Truth-In-Savings (TIS) regulations require this disclosure to help people compare savings products, apples to apples, across multiple financial institutions. The APYE calculation is also required by TIS, and can be reported to members via their statement. It is the annualized rate that ta More...
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