Yes, you can designate your credit union's own savings (or checking) account number to receive round-up funds when setting up a member's round-up transfers, if you wish. 1. Launch Tool #14 Member Personal Banker for a member who wants to participate 2. Select the Debit Card Roundup enrollment button and double click on the member's desired suffix 3. Enter in your credit union's internal account for the account to which you'd like the round-up funds transferred (this accou  More...

The CU*BASE Budget tools are not intended to project your entire balance sheet. While some software products do that, that was never our intent. Our purpose in modeling select assets and liabilities is to create a projection to be used to calculate the income and expense for the budget. It results in a few simple things: You can create reports to present how you see member balances growing in the future. You can create reports to present the actual member balance in comparison to your project  More...

CU*BASE does have several different places where product descriptions can be configured, each used for different purposes. It's common for the descriptions to be entered the same into each configuration, but there are reasons why they are sometimes slightly different. For example, if you use the same range of account suffixes across several of your checking account products, your account suffix description might be something general like Checking whereas the description entered into the   More...

There was a rewrite by CUNA effective April 1, 2014 that states that if a loan is over 120 months, you cannot add insurance to it. Your example was for a Home Equity Loan for 240 months. CUNA insurance only goes out for 120 months so you receivced the error term is over the life maximum term . Please call your CUNA representative if you have any further questions.

Option 1: Create a Misc. Member Account Form with the appropriate text, and add a procedure for your loan processors to print this form whenever a loan like this is created. Since the CU*BASE online credit bureau system has no way to know if a credit score is used in the underwriting decision, nor whether the credit report was used for a mortgage or home equity loan, this will be manual process. HINT: This step could be added to the Electronic Checklist feature for your mortgage and home equity  More...

Basic initial troubleshooting: Move the signature pad to a different USB port Move the pad to a different workstation that has a working model If the workstation isn’t capturing the signature, but it is visible on the pad, try refreshing the SigPlus.ini file (see Related Link below). If nothing is captured on the pad, remove the batteries and the tip from the pen. Place the batteries back in, then gently slide the tip back in. Often the pen tip will not make the connection needed to star  More...

Although CU*BASE Share Draft Processing provides a clean interface with drafts drawn against an available loan limit, there is no data field to store the draft number on the loan record. We currently have a proposed enhancement to make this available in the future. When this happens, we will also add a place on the loan record to store the check digit for those drafts. LOC reconcile HELOC

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 OPER Tool # 5356 Online Banking Configuration and OPER Tool #5511 Audio Response Configuration . IMPORTANT: If you have already activat  More...

No, you can still see a list of all accounts in the Full Account Summary, including a column for due dates in the Loans section. (Tip: Sub-totals under each section were also added as of 11/9/2021.) Remember that the home page is just a list of favorite accounts, not the full account summary, which is why it’s not separated into categories and doesn't include as much info (like loan due dates). If you scroll to the end of that list and click the Full Account Summary link, you get the  More...

It's Me 247 Bill Pay (Fiserv) A2A transfers process as a next day payment. There are times when this may not occur: If a member should exceed their transfer risk limit, a 3-day credit hold will be placed on the transfer. A 5-day credit hold is placed on any inbound transfer coming from an unconfirmed account. The member sees a transfer occur as three (3) ACH transactions: One ACH debit for the A2A transfer withdrawal amount One ACH debit for the A2A transfer fee amount One ACH credit for t  More...

CU*Answers is owned by credit unions and offers no private ownership. Its Board of Directors consists of seven credit union CEOs, providing a unique industry perspective and a direct vested interest in the success of CU*Answers clients. Creating equity through ownership is a constant at CU*Answers.

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 OPER Tool #5356 Online Banking Configuration and OPER Tool #5511 Audio Response Configuration . 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&#  More...

This is a tool that engages when you double-click the icon to load CU*BASE. This launcher gives us control over the startup process to increase efficiency and allow further automation in the future. Benefits of the launcher (some visible, some not): An informational window will be displayed for a few seconds while the software loads. In addition to workstation ID and server name, you'll see an indicator that shows whether the connection is encrypted or not. We will use this space for a  More...

Yes. You will want to ensure that no other users are performing any general ledger processing when these steps are taken! The first step is to use Tool #202 Chart of Accounts/Budget Groups Maint and update the Current process month and year to 12/YY (December of the closing year). In addition you will want to flag the line item Current Processing year/month is equal to period 13 Y/E. Then create and post your entry using Tool #61 Create/Post GL Journal Entries. Remember to also post the ne  More...

With the way the new home page works, remember that regardless of whether or not you have Auto-security activated, the visibility of the tools that display on your page will now be controlled by your employee ID. So if your employee ID doesn't have access to a tool, it will show as grayed-out in the tool list, so it cannot be accessed at all. Someone who does have access would need to log in with their ID first to set the tool list up with the proper permissions.

When data was converted as of the implementation of the 18.07 release, if there was a number in the Home phone or Fax phone field (both in MSHIST), these will be converted to records in the MASTPH database. However, work, cell, and previous phone numbers for closed memberships, stored in MASTRL, were NOT converted to the new MASTPH table for closed memberships. The data was not deleted, but there is no way to maintain it nor is it visible from closed member inquiry or maintenance screens. Going   More...

CU*Answers provides a unique business model. It is built upon the concepts of credit union equity, return on investment opportunites and a level of participation, cooperation and client utilization that exceeds traditional client and vendor processing models. For a more complete discussion of our unique vendor model, take a look at our most recent Annual Report.

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. (Audio Banking does not support Transfer Control lists.) Remember that these are accounts that will receive funds from the member's own account. If only transfer control lists are activated, a member will only choose from a drop-down list of names (not account numbers) from his configured transfer control list. You will need to decide how membe  More...

Many CNS Complete Care network management clients are securing the services of third-party network security vendors to provide cyber security management and oversight of their networks. CNS strongly recommends that all Complete Care managed clients have a third-party security operations center vendor (sometimes known as a SOC) that specializes in cyber security monitoring and alerting, as the Complete Care management service is not a cyber security management service. CNS can assist your credit   More...

Mortgage statements can be generated only for loans with Process Type M, excluding commercial loans (Master type MO). There is an activation flag in statement configuration that lets you choose whether to generate mortgage statements for ALL Process Type M mortgages, or only for certain loan categories. If the latter option is selected, there will be a flag in Tool #458 Loan Category Configuration that designates which products will receive the new statements. (NOTE: This field will be visib  More...

CU*Answers Network Services (CNS) invoices monthly recurring charges in arrears. What is payment in arrears? As opposed to payment in advance, payment in arrears means paying on a date after the good or service is provided. Some examples are taxes, loans, or payroll. How does this impact my monthly charges from Network Services? Because CNS invoices monthly recurring charges in arrears, services rendered are billed on the following month’s invoice. Adding Services For example, if manageme  More...

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 OPER Tool #5356 Online Banking Configuration and OPER Tool #5511 Audio Response Configuration . For a description of how members can update or create new AFT/CFT records in Online Banking, refer to  More...

It depends in part on whether you are using iPay via an SSO, or if you have switched to the native iPay process that uses the It's Me 247 user interface. Here's a summary of how members can get images of cleared checks, when payments are made via check: Today in the SSO environment (referred to simply as iPay Bill Pay): If iPay send a member draft for the member, then the check will clear the member's account and be visible to them just as if they wrote the check themselves. If iPay  More...

The speed of the payment is the obvious feature that sticks out. The payment, confirmation, and settlement all happens within seconds. However, there is another important feature, which is the two-way communication. The RTP network was built with message capabilities that allow two-way communication to happen immediately along with the payment. A good example of this is the confirmation of the payment for both the sender and the receiver at the time of the payment. Both parties understand rig  More...

Although gap may still be used in some institutions, it is an outdated procedure that has been replaced by far more effective analytical procedures such as multi-period income simulation and net economic value ( NEV ). The gap approach attempts to determine the volume of assets and liabilities that reprice within specified periods but it does not consider the timing or magnitude of the repricing that may occur during those periods. This is a major defect because it is well-recognized that many a  More...