This situation could occur if your credit union charges a Service Charge fee to members who do not belong to a particular Marketing Club. If a member does not have funds to cover the Club dues at the time the dues are posted, this member's status in the Club is changed to P for pending. (This can be confirmed on the TCLUBFEE exception report.) When the Service Charge posting program is run, the member is then charged the Service Charge fee (since the member is not currently active   More...

In online banking, members see both their Tiered Services points (member points) and possible points. As a general rule member points do not exceed possible points. Member points can exceed their possible points if the member has several accounts that qualify in categories that count each individual account instead of limiting points to one per loan category or dividend application. For example the categories of “general savings accounts” or “all other loans accounts”  More...

Access the Bankruptcy topics to learn more http://help.cubase.org/doc/stepbystep/stepbystep.htm#Bankruptcy.htm See the Related Q A below.

The Monthly Minimum Balance Service Charge looks at the balance in a field called MMBAL. This field stores the Monthly Minimum Balance. There is another field called MINBAL, which holds the minimum balance used for dividend calculations, which could be quarterly, annually etc.

The most common reason why a member might have a hold group that's different from what would normally be associated with their Tiered Service Level is because of delinquency. During daily delinquency monitoring the system sets the Electronic Deposit Hold Group to a certain code when members go delinquent, according to your credit union's settings in both the Member in Good Standing feature as well as your Delinquency Aging Levels configuration. If the system considers a loan to be deli  More...

If you want to give a member default check holds based on their relationship with the credit union, you'll need to set up Electronic Deposit Hold groups (Tool #355 Electronic Deposit Hold Configuration with the appropriate # of days, then use the Member in Good Standing system (Tool #499 Member In Good Standing Configuration ) to assign the hold groups according to Tiered Service Level. Then, in the Teller Check Holds configuration feature (Tool #849 Teller Check Holds Configuration ),   More...

The Member Service Denials feature (to create/print denial notices) can be accessed via a Denied button located within Tool #3 Open/Maintain Memberships/Accounts. A credit union can configure miscellaneous member service denial notice types such as: ATM/Debit Card application denials, checking account denials, membership application denials, etc. These member service denials are commonly used for denied services that would not involve a loan application/request.

In online banking, members see both their Tiered Services points (member points) and possible points. Points awarded for aggregate balances can cause a variance in the amount of possible points granted. Members with higher aggregate balances could be granted a more possible points than a members with lower aggregate balances. Additionally, credit unions can award points for years with the credit union. For these credit unions, long-time members are granted more possible points (as well a  More...

Credit Union ABC has activated the Reg E opt in/opt out feature and has configured a NSF fee. John Smith, a member of ABC Credit Union, has elected to opt out of receiving overdraft services. John will not be charged an NSF fee on one-time PIN ATM Debit (13) and Debit Signature (16) transactions. John will be charged an NSF fee on any recurring PIN ATM Debit (13) and Debit Signature (16) transactions, which are not covered by the member's Reg E opt in/opt out setting.

For this use Tool #218 Closed Membership Report . This provides a listing of each of the memberships that were closed, along with the specific closed account reason code for each. If you do not want to print a report, but would like to use the information, you can select to Export To File, choose Account Detail for Query, and then you can download the resulting file onto your PC and into an Excel spreadsheet using Tool #1375 Data Transfers (Upload or Download) . NOTE: This report pulls the   More...

Your member may have been individually omitted from Tiered Service scoring, setting their score at 0. To update this, launch Tool #855 Tiered Services Misc. Member Maintenance, select View Member Score Detail/Set Base Scores for Specific Member Account and choose Change . Type the member's account base and press Enter, then uncheck the box that says Omit from scoring/set score to 0 .

What This Message Means: This appears when the member has tried 3 times to enter their password incorrectly. The message does instruct the member to click I forgot my password and answer all three Security Questions to reset the password themselves. But if the member doesn't know their password or their security questions, they will need to contact the CU. BE CAREFUL: This is a scenario that presents the most risk to your members. If a bad guy finds out a member's name, account nu  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...

To update a signature line in CU*BASE, you’ll use the Tool #497 Member Connect Marketing Tools . (You will need a file name to move forward, so it can be helpful to have a test file created in your QUERYxx library for situations like this.) NOTE: For Member Reach clients, Xtend has previously created a file ‘MBRRTEST’ that will allow you to access the Message Maintenance screen. Select Online Banking and/or email message from the first window and then use Enter. On the Mem  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...

Yes. You can pull a credit report for any service using the online credit bureau process. Using Tool #53 Process Member Applications, use action code CR to pull the report without creating a loan request and application. We can then create Member Services denial notices for debit cards, checking accounts, ATM cards, etc.

If a member cannot view their check, the research team needs the following information: Credit Union Questions What is your credit union name? Have multiple members reported that they cannot view checks? Are these members having the same experience when viewing their check? (See Member Questions. ) Has the check appeared on the Check Exceptions Report? (TNDET) Was this check cleared at the teller line? (Sometimes this is referred to as a counter-killed check.) Are you able to retrieve a chec  More...

There are several steps in removing a member's Social Security number: 1) Run a global search to see what types of relationship codes the SSN has with your credit union. 2) The first relationship codes you will want to review are the 'CB' or 'JI' which mean the non-member is a co-borrower and/or joint owner on the account. They need to be removed first. To remove them, launch Tool #3 Open/Maintian Memberships/Accounts, choose Update member information then Joint owners an  More...

If the member closed their account in November, they would receive a final statement for their November transactions but will not receive a December Statement as they did not have any transactions in December and the account was not active. This would also be true for members who closed their accounts earlier in the year. For example, for a membership closed in April, the member will receive their final statement at the end of April then will not receive another statement again (not even the q  More...

There are three important components to the It's Me 247 Online/Mobile Banking User Agreement: The agreement itself The master date on the credit union's Online Banking/ARU Configuration (you can see this via Tool #140 ARU/Online Banking Controls Inquiry ) The agreement accepted date on the individual member’s record (you can see this via Tool #72 Update ARU/Online Banking Access ) The important thing to remember is that we have only one agreement. The trick is whether we pre  More...

This comes from Fiserv's records, which are provided to them by the Federal Reserve (through the FRB's Checks Department).

Workflow Controls do not include an automatic flow to the teller posting system. However, there is an easy way to incorporate this into your procedures. First, set your Workflow Control configuration (Tool #1004 Workflow Controls: Open Mbrships/Accts ) so that the Open sub-accounts feature is turned off . When opening a new member, start from the first Teller Posting screen, using F21-Open from the first teller screen and processing the new membership until done. Using Cancel (F7) at that   More...

In this particular member's situation there was no activity in either October or November that triggered a statement. The credit union's quarterly (and year-end) statements are configured to produce a statement for every member, regardless of activity level, but monthly statements are more restrictive in an attempt to save postage costs, and not every member gets a statement every month. NOTE: CU*BASE statements have a considerable number of configuration options that allow credit unio  More...

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...

That’s true when adding a brand-new record, but it is possible to re-sequence numbers later once the records already exist, so try this: Use Add and add the new contact number, leaving the sequence # as is After saving, select the new number in the list and use Edit Change the sequence # to 1 and press Enter A warning message will appear; use Add/Update to confirm All remaining phone numbers will be re-sequenced to fit the new one in. TIP: When changing the sequence number for an existin  More...