At some point during the year your credit union's audit firm may contact your credit union to perform a member account verification. This involves sending statements with a special message and unique return address, so that members respond to the auditing firm rather than the credit union directly. Here are some important tips to ensure your audit is successful: CU*Answers cannot change your credit union's return addresses on statements. CU*Answers uses custom statement envelopes for a  More...

At the time an email address is being recorded on a member's account, either in CU*BASE or via Online Banking, e-statement enrollment, bill payment enrollment, etc., the system will check the address entered and provide error messages if the following rules are not followed: Do not allow a period or @ in position 1 of the email address The last character in the address must be a letter (a-z or A-Z) Do not allow two periods in a row Do not allow two @ symbols within the address Must have a pe  More...

The most common reason that a member is not receiving their text banking verification code is that they are blacklisted by their provider . To resolve this, the member needs to contact their cellular provider and have the block removed.

If you are showing ID images right on the Xpress Teller screen, and the search doesn't locate an ID for that member's SSN/TIN, then an Image not found graphic will appear in place of the ID. You can click that image to access the Secondary Names Inquiry screen, where you can view other IDs for joint owners/co-borrowers or scan a new ID for the member or any other name listed on that account.

If there is no image found for the account, you can click the image not found graphic on the Verify Identity screen to access the Secondary Names screen. On that screen, you may need to uncheck Photo ID on File to reveal a Scan button. Use this to scan the new ID. If there is already an image saved and you need to replace it with a newer ID, back up to the Who are You Serving screen. From there, access the Secondary Names screen. Then follow the directions above to replace the photo ID.

There is an option when you are creating the G/L through Tool # 202 Chart of Accounts where you can choose to exclude the G/L from the Trial Balance G/L Verification. Once that is added you will no longer see the section highlighted in red, and your G/L will show in balance. See the question below for directions on how to exclude a G/L.

OFAC is defined in the NACHA Operating Rules and Guidelines Chapter 3, Section 1 pages OG15-OG21. There is a difference between OFAC procedures for ACH transactions and the verification of parties with which a financial institution does business. For ACH purposes, only the addenda information on cross border transactions (IATs) require an OFAC scan for both RDFIs (receiving depository financial institutions) and ODFIs (outgoing depository financial institutions). As far as OFAC compliance goes  More...

The Name ID verification is designed to provide an immediate double check that the correct account number was entered on several entry screen in CU*BASE. CU*BASE can be configured to display a hint as to what should be entered. Whether or not the hint is displayed depends on how the individual workstation configured. Follow your credit union policies and procedures to determine if the hint should be displayed. To display the hint, use Tool 326 CU Hardware Configuration , select Terminal/Wo  More...

For the individual scan, the program looks at last name first. If the first name happens to be spelled incorrectly, the name will pass the scan. The first name is only checked if there is a hit on the last name. The batch scan of your entire membership does a more thorough verification, checking last name and first name independently.

When you get the check copy and verify beyond a doubt that it was not the intended biller who cashed the check, re-open the case with Fiserv. Explain that the check was wrongfully deposited, explain your verification processes, and ask for Fiserv's assistance with a refund to the member. They will contact the Federal Reserve and work to get the money back. This can only be done with a Corporate Check. If it was a Member Draft, then the credit union would need to assist the member in reclai  More...

The information sent to the bureau was not an exact match, but based on the information provided (including name, address, DOB, etc.), the bureau returned a match to the correct SSN. CU*BASE is set up to pull a credit report for applications that are sent from online banking based on the applicant's consent to have their credit pulled within the application. There is not a way for the SSN to be verified as correct or not at the time of the application, but the credit bureau is able to do fur  More...

2501 There are several reasons why the LGLACT member balance does not ever match the G/L balance. When a loan is charged off, the member balance is credited (offsetting the general ledger to which the loan reports) and the offsetting entry is to a general ledger account 719.00. The loan remains an active account on the system which no longer accrues interest but does retain the ability for staff to apply payments. When payments are applied, the member account balance is reduced and the 719.00   More...

For a forced password change, the security table can be flooded with a forced password change status and the member would have to change their password the next time they log in. The hold password would remain in the system until the member updates their password. There is not an automated process for this on CU*BASE. A programmer will have to do this manually via a custom programming request. A custom request would need to be submitted and an estimate for leadtime will be provided at that time.  More...

Just like the existing way that IDs are searched, the amount of time it takes to load an ID onto the screen will vary depending on things like your network speed, whether you use the CU*Spy vault or your own in-house vault, what the level of traffic on the system is at any given time, and myriad other factors that may even vary from one moment to the next. Based on early feedback from beta-test CUs and early adopters, though, we're excited to see that the new technique is at least comparabl  More...

The following Reason Codes are used with the A2A processing: 00 - Payment accepted 01 - Invalid bank routing number 02 - Invalid checking account number 07 - Algorithm code invalid 08 - Invalid alternate company 09 - Missing or incomplete data in URL 10 - Invalid date format 11 - Invalid access number 16 - Bad password 17 - Invalid User ID 18 - Transaction already processed 19 - Account info does not match 20 - Invalid credit card number 21 - invalid credit card expiration date 22 - Credit card   More...

Tools for Tracking the Change Fund (Teller Vault Cash) Within the Trends section of Analytics Booth , there is a Powerline for Branch Cash Total. This Powerline is designed to provide credit unions with a daily total of all teller and vault cash as of EOD. Credit union executives and data analysts can review this data to determine if the amount of branch cash on hand at EOD is increasing or decreasing. The Vault GL Verification Dashboard (Tool #937) allows you to review the net change for   More...

BSA stands for the Bank Secrecy Act. SARs stands for Suspicious Activity Reports. Listed below is a summary of the evolution of the Bank Secrecy Act. The Law Before the Patriot Act BSA of 1970 - required banks to file CTRs on single cash transactions in excess of $10,000 April 1996 – required banks to file SARs to FinCEN reporting known or suspected criminal offenses or a transaction that a bank suspects involves money laundering or violates the BSA Focus on drug trafficking After the Patr  More...

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...

Hints for Teller Offline Processing On rare occasions, your credit union staff may need to process teller transactions without the assistance of CU*BASE tools. The most common reason would be if a phone line was physically cut and you are temporarily unable to establish communications through a backup line or other means. Although this happens seldom (and for most online credit unions, has never happened!), it is a good idea to be aware of some of the basis steps so that member service can conti  More...

The following innovations were developed for Xpress Teller (Tool #1600). A powerful and easy-to-use new search engine that gives a single input field to enter any data about the member and look for that data across dozens of key data points, including many new ones like driver’s license number, phone number, email address…even online banking username New workflow controls for Xpress Teller (Tool #1775) gives credit unions unprecedented control over the available features and how the  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...

Although extensive verification occurs beginning with intial test files, live files and converted files on CU*BASE, we have experienced situations with extenuating circumstances related to converted data that affected year end tax reporting. Because Substitute 1099 information is placed on the member statement at 12/31, members recieve information that may need to be ammended. Therefore, our policy is not to allow the use of this product until a new client completes a full calendar year on CU*BA  More...

No. Unfortunately, we cannot take the fee directly from the incoming deposit. However, we have introduced an option for these situations with the 24.05 CU*BASE release. In the ACH On-Demand Posting Configuration, you may uncheck the Base deposit (seq 99) suffix must have sufficient funds for fee in advance, without the incoming deposit checkbox to skip available funds verification when the base deposit (99) account (which must be a savings/checking account) is chosen as the fee account. If this  More...

When you convert to the CU*BASE online credit card system, it means just that. All payments and authorizations will be hitting the members' accounts in real time. The exception is when CU*Answers is in stand-in mode while performing end of day/beginning of day processes, or if any communications issues arise. When either of these situations happens, VISA/FIS stands in and uses a daily PBF file to match against when authorizing or declining an authorization. Otherwise it works like this: The m  More...

To test the pen independently, you can use any standard compact battery-operated or plug-in AM/FM radio. Follow these steps: a. Turn radio on to the AM band b. Move dial to about 550 (or 55, depending on radio controls); between stations is best, where there is static d. Bring the pen up to the radio, and depress the tip directly on radio's surface, about 1 to 2 inches from antenna (if there is no antenna, on the speaker grill will work also). If pen is working, the radio will emit a high-pit  More...