There are two possible paths for a membership that is initated online. The first is that it becomes a membership in CU*BASE. The second is that it becomes an application to be worked in CU*BASE. An online membership application can end with a membership being opened in CU*BASE. This is called MOP (membership opening process). MOP includes an Experian Precise ID scan which asks the applicant questions to confirm their identity. This process also includes an OFAC scan. A record of the scan i  More...

Not automatically, no. The way it works is there is a “last account number used” field in the master corporate record (table is GLTRLR) that is incremented by 1 every time the system needs an account number to store data, whether an actual member, or a possible member account where the application is still in process. This is done to prevent the same account number from being assigned to more than one record. As an example, the process used for creating new memberships (Tool #3) g  More...

Yes, the general ledger entry will post automatically in end-of-day processing. Account Maintenance can be used to change the dividend application for member accounts based on the product parameters. For example, a Student Checking may have an age maximum at which point the checking account may need to move the credit union's regular checking product offering. If the Dividend Application configuration have the same suffix range, there is no need to order new checks, change any ACH or Payroll  More...

Our billing includes Active Memberships (as opposed to Closed Memberships) excluding those with Written Off Loans. Use the Membership Analysis Report (Tool # 520). When choosing your selections, be sure to use the previous month in the Date to Process field, Select Active in the Accounts to Include field and select Report written off loans separately in the Report Option field. This total will match the Active Memberships total on your invoice.

It is not recommended that you make a non-member fill out both a loan application and then go through MAP/MOP after that. The way these work currently, there is no way for the system to know those completely independent applications have anything to do with each other. Normally, when a non-member loan app is submitted, a non-member record is created. In the normal workflow of an employee approving that app via CU*BASE, the data is moved from the non-member table to the MASTER table for the ne  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.

Members who apply for membership via online membership applications (MAP) can be approved as members via Tool #13 Work Online Banking Apps/Requests ; however, this does not activate online automatically. To activate online banking, use Tool #14 Member Personal Banker . Use the reset password feature to activate online banking and set a temporary password for the member. This will reset the password to the temporary password setting configured by your credit union. This will appear on the p  More...

There is a file HBMASTER that you can query to find the membership applications you have received via online and mobile web banking. To work these applications, use Tool #13 Work Online Banking Apps/Requests .

Membership applications that have the same SSN as one already on file (either the applicant or joint owner) will be submitted as an application for the credit union to work. Since the system has no way to know whether the new data is for the same or a different person, these will require extra attention since if they are accepted, the data submitted in the application (such as address or phone number) will override personal data saved to the membership or non-member record that is already saved  More...

The only way to retrieve the information is to use Query. The table name is HBMASTER in your FILExx library. The deleted record remains in this table, but will have a status of X .

There are two ways to accomplish this: The first way is to use the Marketing Opt-Out flags on the member's MASTER record. Introduced in the CU*BASE 9.2 release (August 2009), these are two flags that can be checked to exclude the member from third-party marketing communications and/or CU-related marketing commnunications. See the Opt Out link below to read more about the use of these flags. When creating a database file using Member Connect tools, or the CU*BASE List Generator, or even t  More...

Yes. There is an Amortization Default option available in each of your Loan Product Code configurations which allows credit unions to default amortization criteria such as: Delinquency Fine Code, Rate, Payment Frequency, # of Payments etc. The system will then default this value into the applicable fields when creating a new loan request. These defaults are intended to provide consistency for all new loan requests, but can be changed/edited during the loan request process if necessary.

CU*BASE has a tool that displays application statistics in a handy dashboard format. Tool #472 Loan Queue Activity Tracking allows you to choose a date range and branch to filter the information, with additional filters such as Underwriter Code, Delivery Channel, Interviewer ID, Loan Category, Product Code, Dealer #, and Business Unit, if you wish. You can also use this dashboard to analyze the data you've selected in your filters, as well as export to a PDF or Excel format. This dashboard c  More...

Yes, CU*BASE knows if your credit union location is in a community property state and has the required disclosure text coded in the loan application delivery program. It's Me 247 online banking

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.

With the 16.10 release a new cross-reference system was implemented that automatically funnels 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.” In cases where the Depositor ID is the same, for example a husband and wife, these ACH transactions will be handled by the same master ACH distribution record under the Depositor ID since duplicate Depositor IDs are no  More...

You'll find this information in online help while working on each of the individual loan application screens. Look under the heading Field Descriptions for information about what fields, if any, from that screen will appear on the short-form loan application. For example, on the Employment Loan Application screen, the fields that will print on the short-form app will appear in blue text in the list of field descriptions. (Click the link below to view this.)

To change a membership from individual to organizational (or vice versa): Launch Tool #3 Open/Maintain Memberships/Accts” Enter the account base and click Update Membership/Account Info Check the Membership information flag (if you also need to do joint owner maintenance, you can check that flag now as well), then press Enter or click Go to proceed Click Unlock Fields Click Chg to Orgn or Chg to Indv Click the lookup button next to the Designation field and choose the appropriate designat  More...

Yes. In fact, that is the way we are now recommending you configure your codes and set up your member accounts. This not only makes it easier to track the different types of trusts, but more importantly, makes the field labels make more sense for your member service staff. Create a new Membership Designation Code (such as TO ) to be used only for Organizational trust accounts. The label for primary name would be Trust name and the label for joint owner name would be Trustee. Check only  More...

If the credit report states there are no outstanding debts, the household information is not updated. For that reason, the loan application Debts screen, accessed via Tool 2 Work/View Loan Application , will reflect data from the last loan application on file. In these cases, the Current Balance values on the Debts screen in the loan application may include a balance for loans the member has paid off.

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...

When a credit union statuses a member's card as 'HOT' or warm (Lost/Stolen/Fraud/Restricted), this information is transmitted immediately to your vendor to stop any further withdrawals/purchases being performed with that particular card. But at your vendor a 'Hot Card' is not considered to be a closed card. When your member's card remains at a HOT or Warm card status on CU*BASE, CU*BASE is still required to send any maintenance updates such as address change, phone numbe  More...

Using CU*BASE to Comply with New Rules for Tracking Beneficial Ownership FinCEN has issued new rules under the Bank Secrecy Act that require financial institutions to identify and verify the identity of the beneficial owners of all legal entity members (corporations, etc.). Under the final rule, credit unions are required to have written procedures to identify and verify beneficial owners of legal entity members who open new accounts on or after May 11, 2018. In addition to identifying and coll  More...

It is possible to have two people review the same loan application screen. This is helpful if you would like for two people two review the screens together who are on different workstations. For example, you may have a loan officer and a loan underwriter review the screens together. If you review loan application screens this way, the last person to leave the screen will have their changes saved. Let's review this example: Sue Loanofficer and Mary Underwriter are reviewing a loan applic  More...

In this example the AFT was set with a payment date control of “2=Make this payment ONLY if a payment is not made another way for their membership.” On the date of the scheduled AFT, the AFT will look to see if the payment is made on the loan. If the amount in the From: account is does not satisfy the AFT, the amount paid will go in the partial pay field of the AFT . (The loan partial pay field is only evaluated the first time the AFT is processed.) From that point forward, an AFT  More...