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...

T o order an online credit card for a co-applicant on the loan account, you would complete the following steps: Launch Tool #12 Update/Order Online Credit Cards Enter the member number and suffix for the Visa loan account OR If you have the last 4 digits of the primary member's Visa card number, you may enter that instead Use Enter to continue On the next screen you will see a card that has been ordered for your primary member only. On the lower left corner of the screen, choose Add   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...

The core system will not block a transaction when a member is traveling. That is done on the vendor's side. You will want to put in a travel notification for this member's debit card or credit card directly with your card vendor.

Enter into Member Inquiry Select a member account Select the particular credit card loan account suffix from the list Click the Credit Card Inq button at the bottom left Click the Detail button From here you will want to utilize the page up/page down arrows located at the bottom right of the screen. Doing so will bring you through a list of card transactions posted under each charge type code. Near the bottom on the left-hand side, you will see an Estimated finance charge amount. Use thi  More...

There are multiple ways to do this, but here's one of our favorite methods. Launch Tool #1855 Lending Opportunities Dashboard Use the Loans to Analyze button Choose a loan type from the list (Auto Loans, Mortgages, Credit Cards, Unsecured, or Other Secured) and use Enter to return to the dashboard The top two thirds of the screen shows statistics from your portfolio for that type of loan The bottom third of the screen will show opportunities, divided into two groups: members without that  More...

If the credit union’s back office has determined that it’s ATM, debit, or credit card G/ls are ‘OUT OF BALANCE,’ they can use the reports below to assist in locating transactions which should have posted but did not post to the general ledger. The recon program documents the differences on two recon reports. The Online Reconciliation Recon to Online Match (PRCNXX1) documents the entries made in the vendor file and any entries that appear in the vendor file that are not  More...

Keywords are not case sensitive. For example, you can type either help or HELP or even Help and you'll get the same result. BAL Reponses to BAL include the available balance on three savings accounts/and or checking accounts. Member Text: BAL Text Response: xxxxxxxxxxxxxxx:$-9,999,999.99, xxxxxxxxxxxxxxx:$-9,999,999.99, xxxxxxxxxxxxxxx:$-9,999,999.99. Reply HELP for help. Msg Data Rates May Apply. If multiple memberships are enrolled with the same phone, the response will ask you to specif  More...

Use the following table to help explain to a member why that member got an NSF or Automated Non-Return Fee. Checks Debit Card Transactions (TIP: Be sure to pay attention to whether you fee based on available or current balance. This is configured via Tool #558 NSF/OD Transfer Configuration .) Tuesday: You write a check to buy something Tuesday: You use your debit card to buy something We hold the money ↓ ↓ Wednesday: You write some other checks We don’t know about them –   More...

No. PIB is a layered security solution , which is one of the three methods recommended by the NCUA to comply with the “Guidance on Authentication in Internet Banking Environment” (letter 05-CU-18). Remember that you only need to select one of the three available methods. (The other two methods are multi-factor authentication, and “other controls,” the NCUA’s way of allowing for technology that doesn’t even exist yet.) Although the term “multi-factor   More...

When you convert to the CU*BASE online credit card system, it means just that. All payments and authorizations will be hitting the members' accounts in real time. The exception is when CU*Answers is in stand-in mode while performing end of day/beginning of day processes, or if any communications issues arise. When either of these situations happens, VISA/FIS stands in and uses a daily PBF file to match against when authorizing or declining an authorization. Otherwise it works like this: The m  More...

The ability to combine credit card statements with the member's regular statement is more a process of a staement print house than it is a feature of CU*BASE. CU*Answers has worked with our local vendor, Sage Direct, for over ten years to build enhanced statement processing for our online as well as our in-house credit unions. When we rolled out credit card statements, Sage Direct developed a sophisticated system to allow us to offer our credit unions a cost savings program by combining the me  More...

If you are currently using Certegy insurance or other vendor insurance, please note that it will not be available after your conversion. If you are using your own insurance vendor for insurance/debt protection you will need to provide us with your insurance parameter information. We will also need to know a date for the first time we should run the insurance premiums for your members on CU*BASE. (Contact a Client Service Representative.) We will then set up new insurance/debt protection cod  More...

It's really just a personal preference and an option we wanted to offer in case you wanted to use it. A little bit depends on how you want to (a) communicate to your members and (b) retain a permanent record for future reference. If members all have different due dates now, the addtional transaction record would provide a specific note of the old and new due date, which might be nice. On the other hand, this will add two more lines of transaction history per loan to everyone's statements! Th  More...