The freeze codes themselves are designed when you want to control the member's access to the funds in his or her account. But if you want to control whether an employee can access or post transactions on a particular membership, you should check into Employee Account Security and/or Employee Type Codes . These can stop a member from making a transaction at the teller line until the appropriate employee could give access to the account, but wouldn’t stop the member from using self  More...

Yes. There is a technique for reviewing and manually adjusting branch allocation calculations for projected asset and liability balances. See the Budgeting with CU*BASE booklet for instructions. NOTE: The classical budgeting tools also contain a “Close a branch” function which zeros out monthly figures from your budget starting with a month you specify. But this does not affect projections for asset and liability balances used in the modeling tools.

Both can be found on our website at the following links: To request a free copy of our current Business Continuity Plan: https://store.cuanswers.com/product/cuanswers-business-continuity-plan/ Additional information about the CU*Answers Business Continuity Program can be reviewed at: https://www.cuanswers.com/solutions/business-continuity/ To request a free copy of the most recent recovery/rollover results report: https://store.cuanswers.com/product/cuanswers-recovery-test-reports/ Prior copies   More...

We do. In addition to information we can provide, we have services that will help you plan and execute your recovery test. Helpful information about Disaster Recovery/Business Continuity planning and testing can be viewed on our website at: https://www.cuanswers.com/solutions/business-continuity/ Services to help credit unions build and test their Disaster Recovery/Business Continuity plans can be found on our website at: https://store.cuanswers.com/store/business-continuity-services/business-co  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...

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...

CU*BASE supports Co-Borrower Only coverage for Debt Protection plans. Currently Loan Insurance does not.

The Secondary Names (SECNAMES) file stores instructions that link a membership account to another member or non-member record. The file stores links to joint owner names and beneficiary names for all non-IRA account types. (IRA beneficiaries are stored in a completely different file because they are linked to an IRA Plan Type, not specific individual sub-accounts.) The file also stores a third type referred to as miscellaneous owner which can be used for any purpose you wish. The most co  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...

Download the Software Note: Our network requirements have been updated and can be found here . Please verify with your IT vendor that these changes have been put into place before attempting to download Station Control. You can download CBX from this link . Site-Four clients please use this link . Instructions for Manual Install of CBX Station Control Run the downloaded CBX Install Suite Prod CBX1.exe installer. This will require administrative privileges on the workstation. 1. On the CBX In  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...

Online Banking continue to work just fine whether you decide to activate PIB or not. Yo u should not activate PIB without some careful planning and preparation. You need a plan. A plan for marketing the change to members. A plan to train your staff. A plan for rolling out the changes with an acceptable level of disruption to members and staff. A plan to handle the increase in phone calls and frustrated members. A plan to make this part of your process for opening new memberships.   More...

There are many, many components in the infrastructure that protects your member data, from passwords and daily backups to production redundancy and full-blown DR/BR plans. One important piece of that puzzle involves the protections we put in place to control data moving between the System i and a local workstation. Years ago no one ever imagined an employee popping a thousand member records onto a thumb drive and heading out the door. Today we have entire teams and sophisticated tools to prev  More...

No. If a loan has been written off by the CU*BASE system and therefore is still considered collectible, it will continue to appear on member statements. If a loan uncollectable it should be closed (charged off) and therefore will not appear on member statements. Currently there is no plan for CU*BASE to suppress certain types of loans or other accounts from appearing on a member's statement. However, you could code the account so no statement is produced. See the Related Q A link below. coll  More...

For normal releases of changes to the CU*BASE GOLD software itself, no. Updates to the core software screens (called panels) are pushed to your credit union's GUAPPLE(s), then each workstation grabs those updates the next time the software is launched (assuming there are no open sessions already running). The exception to this is when we need to deploy updates to the LegaSuite client software itself. This is the client software that runs on the workstation to facilitate the use of CU*BASE  More...

There are four types of debt protection plan types. 1= Single, 2=Joint, 3=Co-Borrower, 4= Blended. The transaction descriptions are: 1. SIngle Debt Pro Fee, 2. Joint Debt Pro Fee, 3. Co-borrower Debt Pro and 4. Blended Debt Pro Fee.

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...

There are four ways that information is communicated to the caller in CU*Talk: Static Audio Prompts/Custom Prompts – these are the CU-defined welcome messages, hours and locations. (NO SPANISH OPTION CURRENTLY.) Text to Speech – a custom option for the credit union in which information is grabbed from CU*BASE and communicated via a text to speech program in CU*Talk. This can include the welcome message, hours and locations, and rate descriptions and their corresponding rates. (NO SPA  More...

You can use the “Print CU Checks” feature to cut a check to any vendor, including vendors that have been configured in your CU*BASE Vendor database, without creating an invoice record, if you wish. If you want that item to show up in the vendor's history (and update their YTD amount paid for the current year only ), you will need to perform a separate step to add the record manually. Here are the steps: Step 1: Printing a Quick A/P Check In a nutshell, you will be using Tool   More...

Remember that once the emails are sent by CU*BASE, it becomes a function of various email service providers to deliver the emails to members. Because of the way our system can send a batch of email messages to a large group of members at the same time, there may be some providers that interpret these email messages as “spam” (junk email) messages, especially if you have a large number of members who use the same provider (such as Gmail). If you hear from members that your emails ar  More...

The CU*BASE BSA monitoring tool does include data about shared branch transactions conducted via its own internal shared branch tool (includes Xtend Shared Branching). From the national shared branch networks (such as CUSC/FSCC), CU*BASE does receive Funds In amounts (separated by checks and cash) and includes those in BSA tools. (Currently Cash Out is not included, although that is planned for a future project.)

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...

The IRS, which makes changes to tax form layouts almost every year, recently added this new informational box to form 1098 to report the balance on a mortgage account as of January 1 of that same tax year. Each year on January 1 we capture the loan balance on all loan accounts in a special file, and then when tax forms are created at the end of the year we can use that figure. Therefore, for loans that were opened in a prior tax year, this balance is usually easy for members to understand.   More...

Answer: The FRB requires that same-day credit items received in the 12:00pm ET file window are posted no later than 1:30pm ET. This will require a new ACH posting configuration from CU*Answers. That configuration was added to the software in the May release and will be made available to you no later than 9/9/19. CU*Answers Operations will begin bringing the 12:00pm ET FRB files in earlier beginning 7/22/19 in preparation for this change. CU*Answers plans to populate the configuration to “P  More...

The CU*BASE Teller system does not have an interface option to integrate with a Teller Cash Recycler (TCR). We do not recommend the use of any product, but CU*Answers is aware that clients have successfully used DynaCash, a third party solution from Add On Technologies, as a viable solution. You can get more information about this solution from our Imaging Solutions team by emailing imaging@cuanswers.com or by visiting its website at http://addontechnologies.com/dynacash/ We have many CUs who ar  More...