The large loan payment was applied as a principal-only payment, which does not move the next payment due date on the loan. When the payment was reversed using the 95 reverse loan payment code, the due date was backed up and made the loan delinquent. That evening, the Auto Funds Transfer system tried to satisfy the delinquency on the loan because the delinquency control flag was turned on in the AFT record. Whenever you reverse a loan payment, make sure to review the loan due date before an  More...

In this specific situation CU*BASE automatically uses an IRA withdrawal and deposit code of I for both sides of the transfer. There is no field currently on CU*BASE to specify an IRA withdrawal or deposit code. An I IRA deposit/withdrawal code is defined as follows: Internal transfer from one IRA suffix to another within the same credit union (no effect on accumulators). These transactions are not reported to the IRS. A complete description of all IRA codes can be obtained via CU*BASE Onlin  More...

There is a credit union-level on/off flag where you can disable auto-security as an option for ALL of your employees. To access this, launch Tool #327 Employee Security and use the CU Options button. If auto-security is enabled, anyone can choose to activate it if they wish, either manually by clicking the button at the bottom of the home page, or via their Preferences. As a compromise, if you have some employees who share workstations and therefore need to be able to enter an ID as they acc  More...

To associate different indirect products (for new, used and auto) with a selected range of collateral years or to update model years in my indirect delivery channels, access the Configure Loan App Delivery Channels (5) screen via Tool 462: Loan Delivery Channel Configuration , and select your delivery channel. Then use Enter and select the collateral type to update or add to. Highlight the year to change it or use Add to add additional years. On the next screen enter the collateral year range.  More...

If you press the SHIFT key five times in rapid succession it will ask if you would like to turn on StickyKeys. If you click OK, it will turn on StickyKeys. StickyKeys is an accessibility option in Windows that allows for someone to use the CTRL, ALT or SHIFT keys one key at a time without having to hold the keys down. To turn StickyKeys off: Click on the Start button Click Control Panel If you see “Pick a category” with 10 categories below, click Accessibility Options, and then c  More...

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...

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...

No, CU*BASE cannot automatically remove the 08 Payment Stopped code from an ACH distribution record. ACH stop payments are tricky. Since an ACH stop payment is only valid for a specific payment, the system would have no way to determine which payment it was applicable for as it’s not easily identified by simply using the posting date. Often the information needed is located in other optional fields of the ACH record such as company descriptive date. For instance, if a member is NSF for  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...

Prior to the 16.10 release, the SSA began using multiple Company IDs, and it was recommended that credit unions consider using Automated Funds Transfers (AFTs) to handle distributions. Beginning the 16.10 release a new cross-reference system will be implemented that will automatically funnel 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.” With the changes ma  More...

As the name of this G/L suggests, this suspense G/L is a wash-through account for automatic system transfer processes such as member journal account transfers, auto check transfers etc. Therefore this G/L should be zeroed out each day as both sides of the transfers offset each other and wash through this G/L. However there are certain things that can occur (either automatically or manually) that may cause a balance to remain in this G/L and require manual intervention to clear it out. The m  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...

Yes, CU*BASE has Employee Security features that let you monitor access to CU*BASE programs by any employee ID, whether CU*Answers or credit union employee. Every time a CU*BASE program is accessed, the system records who accessed the command and when. For CU*Answers employees, the file records the individual ID for the staff member (not the alias) so you will be able to tell who from CU*Answers was doing the work. This file (file name SECAUD) was designed to let you see what commands an emplo  More...

Flex Loans allows members in It’s Me 247 to request a change in the term of their loan, which results in a payment change. This is permitted on configured products with monthly payment frequencies. The loan modification request can be immediate if the member is qualified and your credit union activates auto approvals. Otherwise, the member’s request is sent to the LOS loan queue ( Tool #2 Work/View Loan Application Status ) to be approved or denied by your loan officer. First, it   More...

Prior to the 16.10 release, the SSA began using multiple Company IDs, and it was recommended that credit unions consider using Automated Funds Transfers (AFTs) to handle distributions. Beginning with the 16.10 release a new cross-reference system will be implemented that will automatically funnel 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.” With the chang  More...

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...

This can occur if you have an in-house eDOC vault that is not running the correct software versions to support the photo ID auto launch feature for CU*BASE Teller Processing. See the Related Article below for more details. If your tellers see the message below every time a member is selected, first contact a CSR to deactivate the auto-launch feature, then contact eDOC to schedule your upgrade.

If you still have the member standing in front of you still you can ask them for the check back, then use Tool #31 Reverse Tran/Adjust Drawer (Same Day) to void the check. (Remember this tool will correct the member, GL and tellers.) If the member has already left with the check and you notice that you forgot to hit post you will need to post the transaction correctly. Then have accounting void the new check that prints out, making sure that the check the member left with is still showing outsta  More...

This comes from the Workstation Device Configuration in CU*BASE. To view or change this: Launch Tool #326 CU Hardware Configuration Select Terminal/Workstation In the list of workstations, locate the ID of the workstation you are looking up and double click on it (or just type the ID and press Enter) This will open up the terminal's configuration in CU*BASE. In the middle is the list of default printers where your documents will print: General Printer - this will be the printer to which a  More...

The differences ultimately come down to control and cost. The online ASP system is the fastest, simplest, most inexpensive way to get started with an e-documents strategy for your credit union. With online ASP you offload the back-end service management headaches to CU*Answers. We manage, backup, secure, and patch/upgrade the eDOC servers and databases and these processes fall under our SAS 70 and third party security audits. The online ASP system consists of electronic storage of receipts, loan  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...

This can be done using the A2AFT feature, which combines the CU*BASE auto-funds transfer (AFT) functionality with the A2A feature that allows funds to be transferred to or from an outside FI using ACH. Refer to the booklet below for complete instructions. Setup is done via Tool #884 Update Auto Transfer Information then Add A2A Out (A2A must be activated for your CU for this feature to appear). If you choose the Sweep the entire balance... option, you can specify the minimum amount to transfe  More...

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.

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...

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...