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.

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...

If you or your member notice an account is not being updated (or the additional signer on a loan) you should first try to find out if the loan/additional signer was included in the file sent over to the bureau. You can do this for the most recent reporting cycle by running Tool #658 Print Loan Info Sent to Credit Bureau . If the member loan/additional signer information (defined by METRO 2 as the J1 segment or J2 Segment) is present in that file you need to look further into the following types  More...

There is currently no mechanism to simply transfer account data from one membership to another. This would cause issues with credit reporting and would require a lot of cleanup work in eOscar as well. The better method is to close the account and reopen a new one. Note: Previous credit reporting history will remain under the closed account. Transaction history cannot be transferred to the new account but will be available on the closed account for the normal retention period (usually 18 months)  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.

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...

At the Membership Level we first check to ensure that there are no OTB relationships (Could be an OTB Card or OTB Account). One the following messages may appear (the following are all hard stops, meaning the account cannot be closed until these are taken care of): Membership attached to CRDT type OTB account Membership attached to LOAN type OTB account Membership attached to SAVE type OTB account We will also check to ensure that no batch/online cards are attached to the membership. One of the   More...

You can use Tool #902 Update Membership/Account Reason Codes to update the following: You can change the Membership Open Reason Code on a current, active membership (alters the NEWACT field on MASTER). You can change the Membership Closed Reason Code on a closed membership (alters the NEWACT field on MSHIST). You can change the Account Open Reason Code on a current, active sub-account (alters the RSNCDEOPN field on MEMBERx). You can change the Account Closed Reason Code on a closed sub-account   More...

Here are seven things to review if you are trying to research why a loan did not report to the credit bureau. Look to see if the loan is flagged not to report to the credit bureau: Access Tool #20 Update Account Information (shortcut: acct) for the account and click the Credit Reporting Info button. The Report to credit bureau flag must be checked. Look at the Credit Report History located in Loan Account Inquiry via the Delinquency window (F23 or click the lookup button next to the Deli  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.

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 Work/View Loan Application Status ) to be approved or denied by your loan officer. First, it   More...

You can add an entry to the new membership fraud block list as an individual or organization. This fraud block list is different than other service denial lists in that it allows you to enter a name on the list without a Social Security Number. See more about the rules for adding a name to the new membership list in the other topic linked to this Answer Book item. This fraud block list is designed as a supplement to the “Deny Membership” check box available on the non-member recor  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...

Memberships, shares, checking and loan accounts can be opened prior to merger live day. Your Merger Coordinator can provide you with a timeline that lists the time required to open each account type as well as maintain additional information such as joint owners, comakers, and collateral. The timeline will also show the total man-hours required to open all memberships, shares, sub shares, checking, certificate and loan accounts. Even though loan accounts will have a zero balance, they will no  More...

Yes, the Statement Mail Groups feature lets you configure up to 9 codes that can be attached to a member's account. The codes specify whether statements should be printed and archived (the standard method) or just archived only. This is used in situations such as for members with written-off loans or bankruptcy situations where the member shouldn't receive a statement, or even if you want to avoid printing statements for your own staff. Archived statements are available through CU*SPY  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...

When you use the filter buttons on the File Maintenance Inquiry dashboard (Tool #159: Audit File Maintenance Inquiry (CUFMNT)), indicators note which programs, fields/columns, and files/tables AuditLink has flagged as “critical” for auditing teams to monitor on a daily basis. You can quickly sort by that indicator and select only those items for a quick scan of maintenance that directly affects member accounts. Below is a listing of these critical items. Columns/Fields Field Why   More...

Members can perform the following tasks while in Mobile Web Banking: Check account balances of savings, checking, certificate, credit card and loan accounts (both available and current balances). View transaction history for these accounts. View funds on hold for savings and checking accounts View pending authorizations for credit cards (if they exist) Transfer funds to other accounts (as allowed by standard online banking) View if a check has cleared (cancelled checks) View pending ACH transac  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...

If you are wanting to re-open a loan that was accidently closed today you will need to use Tool #711 Re-Open Accounts/Memberships Same Day . If you are wanting to re-open a loan that was accidently closed on a prior day you will need to create a new loan and have it mirror the existing loan.

The program looks at your configurations and uses the following criteria when evaluating which accounts should be suspended from dormancy based on how your configuration is set up. Monitoring for dormancy status occurs every day during end-of day processing. A member is considered dormant only after passing through the following verifications every day: If the Last contact date on the member’s MASTER record is less than the configured dormancy period, the membership will not be considered  More...

Yes, you can mark these memberships so that the statements are printed and returned to the CU for special handling, or are not printed at all. Start by using Toiol #275 Configure Statement Mail Groups to configure a code for written-off/charged-off loans. Then mark the member's account using Tool #15 Update Membership Information. (The flag is located on the final screen.)

When the selection is to include 'All Accounts' and Written Off Loans, the value is the total records in MASTER (or the end of month file for the month selected) for the report is the 'Total Memberships' value. When the selection is to include 'All Accounts' and Written Off Loans are reported seperately, a total of loans that have a WRTOFF = 1 using account base only (one account base could have more than one written off loan) is subtracted from the total in MASTER to po  More...

As of May 2019, the following reports can be set up in the Report Scheduler. More reports are being added all the time, though. To see if your report is included, simply look for the Save Settings button on the screen when you are running your report. Tool #108 Accrued Dividend Summary Rpt - CDs Tool #190 CD Maturity Analysis Report Tool #191 CD Selective Trial Balance Report Tool #213 Closed Account Report Tool #218 Closed Membership Report Tool #280 Contingent Liability Analysis Report Too  More...

Some methods your credit union may use to mitigate the risks include: Your credit union may restrict a member from opening these loans online by restricting the member from having online banking access. Your credit union may opt to make a special certificate product or savings product for Deposit Secured Loans and limit those members who may open these types of accounts. Your credit union may wish to consider the range of balances for your savings accounts/certificates querying table MEMBER1/ME  More...