With the May 2004 CU*BASE software upgrade, a new option was added to allow you to control whether or not disbursements can be made through Audio Response and Online Banking, by loan category. This feature can be turned on or off using Tool # 458 Loan Category Configuration. After selecting the loan category, use F23-Audio/PC Bank to change the setting on the new Allow disbursements... flag. loan Online Banking, distributions, CU@Home, CU*@Home

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 following applies only to credit unions that have activated the Text-To-Speech (TTS) engine for CU*Talk Audio Response. You can use Tool #506 Member Rate Maintenance to control product rates read to members in CU*Talk Audio Response. But keep in mind that because you are using Text-To-Speech, changes made here directly affect the credit union website and It's Me 247 online banking as well. Once in the menu option, select shares or certificates. From the next rate menu, you will see a   More...

No, you do not have to automatically activate OLB or ARU for new memberships. Actually, you can default all new memberships to deactivate online banking and/or audio response access until the member specifically requests it. This is highly recommended as it helps to protect members who join the credit union but never get around to using your online tools right away. These accounts may be your most vulnerable since the member hasn't set up a private password or security questions. By deact  More...

There are a couple of access points: Launch Tool #14 Member Personal Banker and select the Online banking/ARU (activate, change PIN/password; view password history) option OR Launch Tool #72 Update ARU/Online Banking Access (PIN) (Shortcut: PIN) It's Me 247 CU*TALK CUTalk

Marketing material lists and samples can be found at the Marketing Website: http://marketing.cuanswers.com/materials.php Click on the “Order material” button then fill in quantity, customized information, shipping instructions, etc.

Yes, this occurs every night when we perform daily processing. During stand-in, all audio response features will continue to work as usual. However, there are a few special features in online banking that are not available during stand-in processing. See the link below for more details on services that are unavailable during stand-in.

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...

Simply put, it is a way for your members to continue using interactive services such as audio response and online banking, ATM/debit cards, and online credit cards for their financial needs, even while CU*BASE is off line for normal daily or monthly processing. CU*BASE uses a special style of stand-in processing that allows for continued use of CU*TALK audio response and It's Me 247 online banking services even during the night when we perform end-of-day and end-of-month processing. Refe  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...

Message Types are utilized by CU*BASE to determine what action is to be taken for this transaction. The original message type is the incoming message received by CU*BASE from your vendor. Depending on the Message Type received by CU*BASE, the system could perform any of the following type of transactions (this is not an all inclusive listing): Balance Inquiry Request for Authorization of Transaction Advice of Authorization (Vendor/VISA/MC approved) Transfer of Funds Request Reversal of Transac  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...

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...

One of the hardest things to do with a 7x24 product like o nline banking and PIB is to decide when to implement software changes. Unlike CU*BASE changes that easily can be coordinated with normal credit union operating hours, o nline b anking changes must work around member usage patterns and support concerns. If a member needs to check a balance or transfer money at 3:00 in the morning, he can’t just pick up the phone and ask a credit union MSR to handle the transaction for him. Because   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...

Launch Tool #145 ATM/Dbt/Crdt: Audit Card Status Changes , locate the activity record (the User/Employee ID column will say ONLINE STS ), select it and choose Additional Status Information. The following vendor response codes may be sent from STAR/PSCU: ■ 00 - Successful ■ 25 - Record Not on File (P) Card not in CMA ■ 26 - Record Already on File (AM) Card already activated ■ 29 - Unsuccessful (any other denial code) SGD Activation not supported, any other problems with processing the trans  More...

The process can vary a bit according to the vendor, but here's a discussion about how it works for credit unions on the CO-OP network, as an example. In most cases, debit card authorizations create a Misc. Secured Shares record on the member's account to hold the funds. When the actual transaction comes in, this record is automatically deleted. (There are exceptions to this rule, such as gas purchases.) A little history: In the past, debit card authorizations would add a hold to an ind  More...

The MSG TYPE values describe types of 'authorizations' and 'transactions' processed through the CO-OP network. Authorizations: (100 110 120 130) For PIN Authorizations there is no hold on the member's funds. However, Signature Authorizations place a hold, CU*BASE shows this as a debit authorization comment in OTB processing. In either case this transaction is not posted to the members account. This is just a POS (point of sale) authorization for the merchant. It could be e  More...

Actually, because CU*Answers sends email on behalf of all of its clients, bad email addresses hurt all of us! Every month CU*Answers sends nearly 100,000 e-statement notifications. We send a couple hundred thousand It's Me 247 online banking notices. We send Member Reach newsletters on behalf of 80 credit unions. We send a lot of email. (And it’s email that your members want to receive!) Unfortunately, if enough emails are returned as invalid addresses, large Internet Service Provider  More...

The following applies only to CUs that do NOT use the Text-To-Speech (TTS) engine for CU*Talk Audio Response. In order to read a rate message to a member in CU*Talk Audio Response, the system must find both a recorded message for that position and a rate greater than 0.000 on the corresponding position in your configuration (Tool #882 Update ARU Interest Rates ). For example, message #1 and rate #1 must both exist in order to read the rate message to the member. Remember that in order for mes  More...

At some point during the year your credit union's audit firm may contact your credit union to perform a member account verification. This involves sending statements with a special message and unique return address, so that members respond to the auditing firm rather than the credit union directly. Here are some important tips to ensure your audit is successful: CU*Answers cannot change your credit union's return addresses on statements. CU*Answers uses custom statement envelopes for a  More...

CNS is a trusted partner of our credit unions and often we are the first call when there’s a cyber event at an institution. However, there are important limitations to the cybersecurity services that CNS provides. CNS provides general office network design, implementation, and management services. CNS will monitor and patch for supported patches . CNS does not provide cyber security services. CNS does not warrant that managed networks are immune to cyber events or breaches or that lost dat  More...

No. At the current time CU*Talk phone banking is not available for BizLink 247 (formerly known as It's My Biz 247 ) accounts.

Remember that your credit union’s responsibility for mitigating risk doesn’t stop when you flip the switch to turn on PIB. Your policies and procedures related to offering and supporting home banking services for members are just as important. Make sure you have also considered: Your password controls and education program. How you manage resetting passwords for members. Your policies and procedures for how home banking is implemented for new memberships. Policies for expiring pass  More...

While audio response originally mirrored the functionality of o nline , the paths for those two channels have diverged greatly as online banking has grown and expanded over the past several years. For example, while online banking offers an optional feature to allow members to update personal information online, no such equivalent feature exists in audio response. Additionally, members can no longer make transfers from their membership to another membership and cannot request check withdrawals.