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  • 1. Do I have to activate online banking and audio response automatically for all my new members? Public
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    No, 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 deactivating them as a default, you can give them a little extra protection from  More...
  • 2. How do I allow members to request stop payment orders through Online Banking? Public
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    For online credit unions, contact a Client Service Representative or complete the It's Me 247 Configuration Change Request Form (see the link below; requires Microsoft Word) to activate this flag. You can also define how long the stop pay orders will remain on file before being purged, in # of days or months. For self processors, this is done using the ARU/Online Banking Configuration feature on the OPER menu MNOP09 (OPER #10, then #8). IMPORTANT: If you have already activated PIB and your  More...
  • 3. I've never used Transfer Control in Online Banking or Audio Response before. How do I get started? Public
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    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 and Audio Banking. (The same transfer control lists is used by both systems.) Remember that these are accounts that will receive funds from the member's own account. If transfer control is activated, a member will not be able to specify an account number when transferring; instead, he will choose from a drop-down list of names (not account number  More...
  • 4. Can I stop a particular member from being able to request a Flex Loan modification via online banking? Public
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    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) to be approved or denied by your loan officer. First, it is important to remember that people o  More...
  • 5. How do I activate ACH maintenance for my members through Online Banking? Public
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    For online credit unions, contact a Client Service Representative or complete the It's Me 247 Configuration Change Request Form (see the link below; requires Microsoft Word) to activate this flag. For self processors, this is done using the ARU/Online Banking Configuration feature on the OPER menu MNOP09 (OPER #10, then #8). IMPORTANT: If you have already activated PIB and your members have a PIB profile, remember that the ability to view ACH records is controlled by the member's indiv  More...
  • 6. I have activated the Flex Loans feature. When my member adjusts their term online, they are not seeing all available terms as expected. Why could this be the case? Public
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    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) to be approved or denied by your loan officer. While using the Flex Loans feature online, membe  More...
  • 7. Is Flex Loans designed for members who are more than one month delinquent? Public
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    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) to be approved or denied by your loan officer. Flex Loans is designed for members who are c  More...
  • 8. How do I activate AFT or CFT maintenance for my members through Online Banking? Public
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    For online credit unions, contact a Client Service Representative or complete the It's Me 247 Configuration Change Request Form (see the link below; requires Microsoft Word) to activate this flag. AFT and CFT maintenance can each be activated separately. For self processors, this is done using the ARU/Online Banking Configuration feature on the OPER menu MNOP09 (OPER #10, then #8). For a description of how members can update or create new AFT/CFT records in Online Banking, refer to the AFT CF  More...
  • 9. Can online banking passwords be set to expire? Public
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    Passwords do not expire according to a set period (such as every 30 days). However, you can activate a feature called non-use expiration for your online banking passwords. This is a feature that automatically locks a person from logging in to online banking if they have not logged in during the past 90 (or 60, or whatever) days. We recommend a setting of no more than 90 days, although 60 or even 30 days is even better. Remember that your most vulnerable accounts are those where members aren'  More...