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1.
When processing a teller transaction that requires a Miscellaneous Receipt, a receipt is generated that just shows Cash Withdrawal. How can I get the receipts to show the description of the Miscellaneous Receipt used?
The detailed printing of a receipt for a Miscellaneous Receipt transaction is defined within the device configuration. To verify whether or not your device is configured to print the detail, you can launch Tool #326 CU Hardware Configuration. Select your workstation from the list and make sure that the Miscellaneous Expense/Receipt box is checked under the Application Receipt Printing column. Future receipts will print the detail after the option is selected.
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2.
If I activate Statement Style Fees, what happens on a month when a member gets only their credit card statement and not a regular account statement too?
Printed Statement Style fees are triggered only by production of a regular account statement (based on a file called STPRINT01, which is generated only with regular statements, not CC statements) . If a member gets only a credit card statement, they wouldn’t get a fee that particular month. If the next month they get both a credit card statement and a regular statement, then they would get a fee that time. (Note: We do always produce a year-end statement for every member, no matter wha More...
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3.
How does a member's account get debited for bills they schedule through "It's Me 247" Bill Pay (Fiserv)?
In one of three ways: Note: The term 'subscriber' refers to your 'member'. Electronic Payments (ACH) - Fiserv's preference is to send all payments electronically. However in the Risk Model format it is not always feasible. Fiserv submits the merchant payment (via the fed) from a Fiserv settlement account the same day we submit the debit (via the fed) to the subscriber account. Fiserv is taking the risk on the payment. Electronic payments are typically sent when the subscr More...
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4.
I have a member who is requesting a copy of his statement from November of last year. I went in to Phone Operator to see if I could get a copy for him, and noticed that a statement was not produced for November. Why is this?
The most likely reason is that the member did not have any activity for the month that would trigger a statement, based on the CU's configuration. Most credit unions have their statement configuration set up to print a monthly statement only if the member has a checking account, and only if there is activity on that account, saving postage costs on months when there is no activity. You can verify this by viewing his Share Draft Transaction Inquiry in Phone Operator, then compare that to yo More...
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5.
A member did not get either an October or November statement, but his December statement showed a range of 12/1 to 12/31, not 10/1 to 12/31 as I would have expected. Can you explain?
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...
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6.
My member closed their account in November and received a November Statement but did not receive a December Statement. Why? How will they get their 1099-INT information?
If the member closed their account in November, they would receive a final statement for their November transactions but will not receive a December Statement as they did not have any transactions in December and the account was not active. This would also be true for members who closed their accounts earlier in the year. For example, for a membership closed in April, the member will receive their final statement at the end of April then will not receive another statement again (not even the q More...
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7.
How does the A2A process get started? Once the form is filled out what do I do?
The first step is to make sure your credit union has filled out the three required forms: Sign Up Form, Electronic Payment Service Agreement, and Fed ACH Participation Agreement. There is also a non-disclosure agreement to sign to receive a copy of Magic-Wrighter's SSAE-16 audit results. Once the Client Service and Education team has received the forms from your credit union, they will send the form to our third party processor, Magic-Wrighter. Magic-Wrighter will submit a confirmation with More...
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8.
When I display transaction history, sometimes I have to use page up to get to the transaction I actually want. Can the list be sortable, or maybe just list the most recent transaction automatically at the top?
The transaction history screen is rather unique compared to other lists in CU*BASE. First, because it contains a Resulting Balance column which shows the change in the balance as each transaction was posted. Those balances are difficult to read when presented “backwards” with the most recent at the top. Second, remember that CU*BASE stores many months of transaction history. So the list you see when the screen first displays is not at the “top” of the list, but actually More...
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9.
Can I change the transaction description that appears on a specific member transaction?
Yes. Use Tool #918 Update Trans Desc IRA/HSA Post Codes, choose the appropriate suffix, then change the description. You can also add an additional line (secondary transaction description) in addition to the primary description. These changes will become a permanent part of the member's transaction history and will appear in CU*BASE transaction history screens as well as in online banking. Remember that changes will NOT affect member statements (including e-statements) that have alre More...
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10.
When I do a Transaction Override for par value, how come I see additional transactions being posted below par on that account afterwards?
This is the one exception to the way that Transaction Override normally works (i.e., to override for one transaction only). The override for Par Value was intended to allow a membership to be closed and all funds returned to the member, and some credit unions have large enough par values that it might require more than one transaction to handle the funds appropriately. Therefore the Account Adjustment feature does NOT reset the override flag after the first transaction is posted, so that you c More...
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11.
What choices do I have for controlling whether or not my ANR negative balance limits are used when authorizing and paying debit card and ATM transactions?
The settings that control how this works are part of Tool 558 NSF/Overdraft Transfer Configuration, on the Overdraft Protection Activation screen. There are four flags: 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 N N Negative bala More...
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12.
When I use the "credits only" or "debits only" buttons in transaction history, I don't always see the transactions with the date I entered.
As described in this AnswerBook item , this has to do with the unique way in which transaction records are displayed in this inquiry screen. You might get better results after you use page up or down, then use the debit/credit button. The most important thing to remember is that the date you enter is just a target, not a true filter. Because transactions must be listed in the order in which they were posted (in order for the resulting balances to make sense), the list will always “try&rd More...
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13.
I have a husband and wife who both receive Social Security payments to the same membership. Now that CU*BASE uses the new way of handling ACH transactions from the SSA, these are causing duplicate distributions to be posted. What should I do if my members still wish for them to be separate transactions?
With the 16.10 release a new cross-reference system was implemented that automatically funnels all incoming company IDs from the Social Security Administration and treat them as if they came from one, consistent company ID we’re referring to as the “Primary ID.” In cases where the Depositor ID is the same, for example a husband and wife, these ACH transactions will be handled by the same master ACH distribution record under the Depositor ID since duplicate Depositor IDs are no More...
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14.
The account and transaction database expansion that was done in 2014 (FEP) changed dates to the new format, but how about dates in other database tables? Are they the same? Will they ever be?
Many dates were reformatted with the File Expansion Project (FEP) in 2014, and on the files that were actually expanded, dates new use a standard date format of CCYY-MM-DD (yes, that’s including the dashes). You’ll sometimes hear it by the term “ISO format” (which refers to the International Organization for Standardization). When you choose from a list of fields in Query, you’ll see an “L” in the right-hand column under “Decimal.” That j More...
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15.
Where can I get data on the checks members deposit through my mobile app’s Remote Deposit (RDC) feature?
The approach to finding data on mobile check deposits, or Remote Deposit Capture (RDC) activity, will depend on what systems and processes are used to post them to the member’s account. If deposits are automatically posted : Check out Tool #1985 Auto-Post RDC Deposit Dashboard to find a listing of every posted deposit (or attempts that ended in error), for any date or time period you are interested in. Total amount and number of checks are included for quick reference. Interested query-w More...
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16.
My member has an A2A transaction returned status of 'F' for failed. How do I figure out what caused this to happen?
If a member's A2A transaction appears on the Daily A2A Exception Report (LMBRA2AEXP) or you view A2A transactions from the A2A History screen and the member has status of 'F' for failed, you may need to do some research to find out why it failed. Please note that the status and reason codes are sent to CU*BASE from Magic-Wrighter so the reason is determined via Magic-Wrighter's processing. To get to the A2A history screen, in Phone Operator, select any sub-account and choose His More...
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17.
While reviewing my BSA report I found a cash-back audit key record in the Teller Audit inquiry list without an offsetting transaction. How could that have happened?
This happens rarely, but usually when we see orphaned records like this it's because the employee exited their CU*BASE session improperly in the middle of processing a transaction, either by clicking the close button or due to an unexpected power or communications interruption. For example, once a cash transaction is posted and the CTR screens are presented, the user must proceed; there is no way to back up and cancel the transaction at that point. Some users get desperate and click the More...
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18.
Since we are a self processor, how will Magic-Wrighter get the files for A2A?
When a member requests an A2A transfer the request is stored in the A2ATRANS file in FILExx (where xx is your credit union ID). CU*BASE has a program which checks that file periodically through out the day. If there is a new item in the file, CU*BASE sends that information to Magic-Wrighter. You will need to take into consideration that there is a daily cut-off time (arranged by you with Magic-Wrighter) and these transactions can take up to 2 business days. So for example, if a request is ent More...
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19.
I am seeing some counts in my NSF statistics but when I use the "Transaction" feature to see the detail of those transactions there isn't any detail shown. Why might that be?
One reason might be that the items were posted but no fee was charged. The most common reason would be a member who was opted out from Reg E services, so that when the item was presented we force-posted it but could not assess a fee. The other reason could be an item that fell within your configured no-fee tolerance, so the member didn't get a fee. This is because the program that actually writes out those detail records is the same program that posts the fees in the first place. If the f More...
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20.
I have a member who did not receive a statement for the last statement period, but they did have activity. What would cause this?
The ability to manage when a member qualifies for a statement is dependent upon the values in a file that holds the sequence number and statement date of a member's transaction history records. If this sequence number gets out of synch with the numbers assigned to each record, the statement processing may not include transactions that should be included. This happens very rarely, but we have seen it on occasion over the years. CU*Answers Client Support staff can update this file, but the More...
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21.
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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22.
I've never used Transfer Control in Online Banking before. How do I get started?
Transfer Control means that a member must tell you the account numbers where he or she would like to be able to transfer funds in Online Banking. (Audio Banking does not support Transfer Control lists.) Remember that these are accounts that will receive funds from the member's own account. If only transfer control lists are activated, a member will only choose from a drop-down list of names (not account numbers) from his configured transfer control list. You will need to decide how membe More...
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23.
Do the Account to Account (A2A) limits entered in CU*BASE also apply to Accounts Payable payments made via ACH?
No. CU*BASE accounts payable payments made via ACH do not pay any attention to any limits entered in CU*BASE via Tool #569: Online/Mobile/Text Banking VMS Config > A2A Transfers . However, all ACH transactions that we send to Magic-Wrighter on your behalf, whether for a member or via the accounts payable system, are considered part of the same pool of transactions to which Magic-Wrighter's daily limits DO apply. Therefore, if your credit union gets a failure-to-process error on a large More...
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24.
How can I check on which offset GL was used for an account adjustment performed earlier today, if I can't wait until everything is posted to the GL overnight?
Account adjustments that have not yet been posted to the GL can be reviewed using Tool #381 General Transaction Register , or Tool #493 Member Account Adjustment Report . You can enter a single account base to get just the items posted to that membership, or run the report by employee ID to find all adjustments a particular employee posted.
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25.
My members have been receiving ACH deposits from the government, using account information that isn’t very current. Any tips on how to handle these ACH exception items?
You can use the Copy/Merge feature from OLD IRS company IDs to update ACH records by following the steps below: Start by accessing Tool # 989: Work with ACH Members/Companies and enter the exact Company ID (including any spaces) and the exact Company Name for the company to copy TO (the new company), then use Enter to verify that the ID and name already exist. If no error message appears, use Copy/Merge (F5) to perform the operation. A final confirmation window will appear; if you wis More...
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