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  • 1. If we review an RDC item in the online queue and reject it, is there a way for the system to automatically notify the member via email? Public
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    Yes! eDOC Innovations provides the ability for a credit union to send automated emails to members should an item be rejected by the CU. It could be an item that was not endorsed properly, bad image, duplicate item, etc.; things beyond daily limits and only known once the check is sent for processing. This item is available in the eDOC Innovations online store for a very small one time setup fee. If you need eDOC to update all of your enrolled users email address in our system we can help wit  More...
  • 2. What columns/fields, files/tables, and programs are included in the File Maintenance Inquiry "Critical Monitoring?" Public
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    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...
  • 3. Is there a limit to how many checks a member can view images of through online banking? Public
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    How many check images a member can view in online banking depends on two factors. The first factor is how long your item processor retains the images. The second factor, and the one most likely to be the limiting factor, is how long your credit union is configured to retain transactions for your draft (MEMBER2) accounts. Whichever of these two factors has the shorter timeframe determines how far back your members will be able to view check images via online banking. There is no cap on how man  More...
  • 4. What methods can your credit union use to mitigate the risk of CD or Share Secured loans? Public
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    Similar risks apply to both CD and Share secured loans. 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 CD/Share 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 yo  More...
  • 5. From a risk assessment standpoint (i.e., risk of money being moved from a member's account or loss of personal identity), are there many features in the CU*Answers Audio Banking system that are similar to Online Banking? Public
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    While audio response originally mirrored the functionality of Online , the paths for those two channels have diverged greatly as home banking as grown and expanded over the past several years. For example, while Online Banking offers an optional feature to allow members to update personal information online, no such equivalent feature exists in audio response. In looking through the features available in CU*TALK Audio Banking, there are just a couple of features that may be considered comparab  More...
  • 6. Can I set a daily limit on ATM cash withdrawals? Public
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    You should already have specified daily online and offline limits for ATM and POS transactions with your vendor switch . You may want to contact them to verify exactly what those are . If you need to adjust them , you will need to request that change from them. Also make sure to update your settings in CU*BASE as they are used for the default limits for new card orders . NOTE : Currently , the only switch that does NOT check for daily limits ( meaning they come from CU * BASE settings ONLY )  More...