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...

Member Notices can be processed by CU*Answers at a cost of $0.10 per notice, plus postage and the cost of envelopes. Pricing is subject to change; refer to the most current Online Pricing Guide (provided annually to your credit union CEO) for current pricing.

What happens is that the delinquent notice level indicator on the member's account retains the last level until the loan is brought current. Therefore, all members who had a level 1 notice already sent are showing they completed level 1 and therefore will not send another level 1 even though it is now set at 11 days versus the old setting of 5 days. This applies all the way up the line. This means that all those that did get a level 1 notice at five days won’t generate a notice until  More...

The Member Service Denials feature (to create/print denial notices) can be accessed via a Denied button located within Tool #3 Open/Maintain Memberships/Accounts. A credit union can configure miscellaneous member service denial notice types such as: ATM/Debit Card application denials, checking account denials, membership application denials, etc. These member service denials are commonly used for denied services that would not involve a loan application/request.

There is a flag on the additional signer record called Delinquent Level (0-4). This flag determines which stage/level of delinquency the loan must reach before an additional signer will receive a delinquency notice. If this field is left blank (0) the additional signer will not receive delinquency notices. This field can be easily viewed/changed through Tool #51 Miscellaneous Loan Maintenance - then choose Additional Signer information. Valid delinquency levels 1-4 are configured at the credit  More...

From a front-line inquiry standpoint, there’s no better record-keeping option than having people check member Tracker histories. The notice type, date, and contents are easy to look up in tracker history, but prior ones are available to scroll back through as well so you can see context of the individual member’s history with that type of notice, or others. When it comes to the ability for staff to review this data for proactive outreach, such as to see who has delinquent loans an  More...

Once you elect to deny a loan application, several Denied Applications Processing screens will follow. You will need to navigate these screens for each borrower on the loan before the option to print the denial notice will appear. This is because CU*BASE allows you to select different denial reasons for each borrower present on the application (if necessary).

In many cases, the reason an opted-out member receives the non-return fee is because this transaction is a recurring payment. Recurring transactions are not covered by the Reg. E Opt In/Out requirements. You can identify this by the * after the DBT/WDR trans description on the member's transaction history. Recurring transactions are posted and fee'd even if the member is Opted Out.

This is controlled by the Grace period (# of days) setting in the payment change control section of your Loan Category configuration (LOC and open-end loans only). See the online help topic (link below) for more details about how this field works to calculate the next payment due date on zero-balance LOCs.

Remember that notices can be sent to members at any time according to your delinquency notice configuration. This is independent of the configuration that controls whether a loan is actually considered delinquent or not. For example, your credit union might choose to send notices when a loan is 10 days past due, but not truly consider it delinquent for collections purposes until 30 days. The # of times delinquent counter on the MEMBER5 (for closed-end loans) or MEMBER6 (for open-end loans)   More...

CU*BASE provides a field in the member loan record that is called 'No Delq Notice Print'. Change this to a Y in the maintenance option. bankruptcy bankrupt Chapter 11 Chapter 13

IMPORTANT NOTE: When It’s Me 247 was updated in 2021, the “See” option shown on here was made unavailable. There are two major points to consider when thinking about allowing members to see information beyond the account to which they are actually logged in. Both extend beyond online banking to consider a financial institution’s role and responsibility in protecting member private data via all access channels, from the teller line to a back office employee answering   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...

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...

The system recognizes a blank in the Reg. E Opt In/Out field on the member's MASTER record as the same as Opted In for overdraft services, not Opted Out. Since CU*BASE membership maintenance programs will not allow you to leave this field blank, this generally only happens in cases where a flood routine is done to adjust multiple membership records on your MASTER file, such as in a new client conversion or special job request.

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...

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...

Access the Bankruptcy topics to learn more http://help.cubase.org/doc/stepbystep/stepbystep.htm#Bankruptcy.htm See the Related Q A below.

If you or your member notice an account is not being updated (or the additional signer on a loan) you should first try to find out if the loan/additional signer was included in the file sent over to the bureau. You can do this for the most recent reporting cycle by running Tool #658 Print Loan Info Sent to Credit Bureau . If the member loan/additional signer information (defined by METRO 2 as the J1 segment or J2 Segment) is present in that file you need to look further into the following types  More...

In this particular member's situation there was no activity in either October or November that triggered a statement. The credit union's quarterly (and year-end) statements are configured to produce a statement for every member, regardless of activity level, but monthly statements are more restrictive in an attempt to save postage costs, and not every member gets a statement every month. NOTE: CU*BASE statements have a considerable number of configuration options that allow credit unio  More...

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...

Yes. You can pull a credit report for any service using the online credit bureau process. Using Tool #53 Process Member Applications, use action code CR to pull the report without creating a loan request and application. We can then create Member Services denial notices for debit cards, checking accounts, ATM cards, etc.

There are several ways to obtain this data. To see the total number of active online banking members, use Tool #856 Tiered Svcs Monthly Comparison to display active user counts for any monthly period. (HINT: Click the Goal 4 button to display this data.) This can be done even if your credit union does not use Tiered Services for any other purpose. To print a report of usage statistics, use Tool #141 ARU/Online Banking Stats Dashboard To see online banking usage stats for a particular m  More...

The settings that control how this works are part of Tool #558 NSF/Overdraft Transfer Configuration , on the Overdraft Protection Activation screen. There are two flags for ANR/courtesy pay: Use Negative Balance Limits for Authorizations and Use Negative Balance Limits for Posting . They control whether the member's ANR limit is added when determining the available balance amount. There are four different combinations of these flags: Authorization Flag Posting Flag Description of Result  More...

The information you will want to write down or print when ordering cards at the vendor is the PAN number. Once you have the PAN from the vendor you will launch Tool #11 ATM/Debit Card Maintenance in CU*BASE. Once in this option, enter the member's account base. If the member has existing cards, use F6/Add Card. If they do not, simply select the correct BIN for the new card. In the Card/PIN Order screen you will notice that the Card # at the top of the screen is view only. To unlock thi  More...