The CU*BASE Budget tools are not intended to project your entire balance sheet. While some software products do that, that was never our intent. Our purpose in modeling select assets and liabilities is to create a projection to be used to calculate the income and expense for the budget. It results in a few simple things: You can create reports to present how you see member balances growing in the future. You can create reports to present the actual member balance in comparison to your project  More...

When you see the 'pass decision' status, this means that the application passed your filters and then passed the model. The underwriting ratios are not a hard stop and will not cause an application to pass or fail. Based on the workflow, a model is requested and a decision has already been made by the time those ratios calculated. The ‘fail’ flag in the underwriting ratio is simply a visual indicator to the loan officer that the ratio is potentially higher than normal.   More...

All loan types that are configurable by your credit union can use CLR Path. There are no database restrictions.

Previously, credit unions used Code 38 for “Return to Maker”, but this code is no longer available in the system. This change was initiated by a Reg CC change in 2018. Now, if you are presented with a situation where you need to return a check to another institution, it is recommended that you use one of these codes to clarify the reason for the check return. Some codes allow you to make the change in CU*BASE. Others require that you contact your Check Item Processor. Read below for   More...

Use of the CLR Path tool is free, one of the many benefits of belonging to the cooperative network.

CLR Path results are calculated using criteria that are checked (active) in the configuration (configured in Tool #1110 Configure CLR Path Criteria ). If you leave a criterium unchecked in the configuration, the member will not be evaluated on that metric, and it will not appear in the decision results. Remember that the member was scored based on the configuration settings at the time they were scored. If the configuration was subsequently changed, this will not be reflected in a score run pr  More...

One reason is that the first name field is limited to 12 characters when running QualiFile (ChexSystems). If the member's name is longer than 12 characters, the scan must be run manually via their website.

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...

Yes, you can use the modeling tools to project balances on other income-producing assets (such as investment income) or liabilities with associated expneses (such as an OTB mortgage product). For details refer to the Budgeting with CU*BASE booklet.

Equifax 01841 – Beacon Augmentation Code 01855 – Multi-Screen 1.0 02575 – Multi-Screen 2.0 Experian F - Experian/Fair Isaac Risk Model V2 I - Experian/Fair Isaac Risk Model 3 - National Risk Model A - Old National Risk Model B - Experian/MDS Bankruptcy Model BP - Bankruptcy PLUS Model Trans Union FICO Classic Risk -EMPIRICA 95 - to be retired by end of year 2005 00002 - Delinquency (90+ days) or worse within 24 months FICO Classic Risk - EMPIRICA Industry Options 95 -   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...

Our official statement is that CU*BASE is not integrated with any TCD or TCR hardware solution; however, you may find the information below helpful. When considering which model of TCD or TCR to select, it is important to realize that supported models are determined by your solution provider not CU*Answers. For example, if you are utilizing DynaCash, as the provider of the software that interfaces between CU*BASE and the cash handling hardware then they would determine compatibility. With this i  More...

Our official statement is that CU*BASE is not integrated with any TCD or TCR hardware solution; however, you may find the information below helpful. When considering which model of TCD or TCR to select, it is important to realize that supported models are determined by your solution provider not CU*Answers. For example, if you are utilizing DynaCash, as the provider of the software that interfaces between CU*BASE and the cash handling hardware then they would determine compatibility. With this i  More...

If you need to allow an employee to perform upload and/or download tasks (FinCEN, AIRES, ALM, uploading G/L entries to post, etc.), you must first complete the iShield Security Access Request form and have it signed by your credit union’s designated Security Officer to sign. Once our Client Services team receives your signed form and verifies it, a request will be submitted to our System i administrators, and you will be notified when the new permissions have been granted. This process wi  More...

For things like expanded balance and transaction $ amounts, Query will automatically adapt to larger amounts, and you generally won’t need to do anything. (The only exception is if you send the output to a vendor, they’ll need to be made aware of the larger amounts. Or perhaps if your report is completely full side to side and you need to remove a column in order for everything to still fit across a printed page.) As far as dates, if a date was formerly 3 separate fields for year  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...

The previous tools used for uploading and downloading to and from CU*BASE will be retired when your credit union recieves the 20.07 CU*BASE software release. For online and Site-Four credit unions, that date is Sunday, July 12. Self-processing credit unions will receive the release the following Sunday, July 19. To replace the two tools, a new tool was introduced in November 2018, Tool #1375 Data Transfers (Upload or Download) . Following the release, this tool will be the default data transfer  More...

If you are requesting an EOM tape to be loaded from a month prior to your conversion to FEP in 2014, we will automatically convert it for FEP “on the fly” so that you can run Queries over it or print the report you need.

Whenever you add files to your Query definition or remove files from it, you also need to refresh the automation configuration, which is basically just a list of the files needed by the Query and must match the Query definition. See the link below for step-by-step instructions.

Yes, there is the PREGD Reg D statistical report that is automatically generated every day and is located in CU*SPY under the Member Service category. This report gives you the balances of your shares, drafts, and certificate accounts along with the balance for GL 739.00 Cash. Simply print the days you need to collect for the FR2900 report. To find the balances for other GL accounts for the 5 days requested in the FR2900 report you can use Tool #650 Print GL Trial Balance (monthly) to select  More...

The following old special Comment codes are no longer valid now that your credit data is being reported using the Metro 2 format: BU BV BW BX BY CA CB Instead, use the Consumer Information Indicator field on the loan account to report bankruptcy. This can be changed using Tool #20 Update Account Information on the loan account (click the Credit Reporting Info button to display the the Credit Bureau Reporting Information screen). NOTE: You only need to report bankrtupcy once. If the bankrupt  More...

Yes, CU*BASE supports risk based lending. CU*BASE provides tools for pricing loans as based upon the Credit Score/ Paper Grade received. A credit union should check with its applicable credit bureau(s) for Decisioning Products available to facilitate this process.

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...

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...

Do not use these instructions if you are performing one of the standard uploads such as to DMPIMPORT, FCBUSINESS, FCPERSON, IMPEMAIL, etc. Instead, look for your appropriate .FDFX companion file in C:\cubase\cubase\resources Instructions below are relevant for projects where you are working to upload data to a custom table destination that meets the following criteria: The table already exists in CU*BASE The table has been used before (has at least 1 row of data in it). For the purpose of the ex  More...