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  • 1. What if my members don’t want to set up a PIB profile? Is there a default profile we can set up for them? Public
    Preview
    Yes, your credit union can set up a default PIB Profile for all members. This includes things like requiring knowledge-based challenge questions to log in to Online Banking, on/off flags for individual features, and maximum transaction amounts. This is in addition to the controls you already have related to Online Banking. Be aware that the default settings are limited to those controls that don’t require the member to make a decision. For example, features such as persistent cookies  More...
  • 2. When looking at our loan queue, we see a ‘pass decision’ status but the application failed in the underwriting ratios assessment requirements. Why do we see the ‘pass decision’ status? Public
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    When you see the 'pass decision' status, this means that the application passed your filters and then passed the model. The underwriting ratios are not a hard stop and will not cause an application to pass or fail. Based on the workflow, a model is requested and a decision has already been made by the time those ratios calculated. The ‘fail’ flag in the underwriting ratio is simply a visual indicator to the loan officer that the ratio is potentially higher than normal.   More...
  • 3. What are the supported loan types for the CLR Path Decision Advisor? Public
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    All loan types that are configurable by your credit union can use CLR Path. There are no database restrictions.
  • 4. How much does it cost to use the CLR Path Decision Advisor? Public
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    Use of the CLR Path tool is free, one of the many benefits of belonging to the cooperative network.
  • 5. So just what is PIB? Public
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    PIB provides a layered security approach to add additional authentication controls for Online Banking. PIB, which stands for Personal Internet Branch, is an independent application that provides multiple, configurable controls that govern how Online Banking behaves and what members can do with access to it. PIB allows your members to control access to their accounts with controls by feature, day of week, time of day, and even geographic location. It layers additional passwords and member aut  More...
  • 6. I'm trying to run risk assessment on a membership and the screen returns a reply saying that the QualiFile decision is "review." What might that mean? Public
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    One reason is that the first name field is limited to 12 characters when running QualiFile (ChexSystems). If the member's name is longer than 12 characters, the scan must be run manually via their website.
  • 7. Why am I not seeing results for all configuration criteria in my member’s CLR Path decision? Public
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    CLR Path results are calculated using criteria that are checked (active) in the configuration (configured in Tool #1110 Configure CLR Path Criteria ). If you leave a criterium unchecked in the configuration, the member will not be evaluated on that metric, and it will not appear in the decision results. Remember that the member was scored based on the configuration settings at the time they were scored. If the configuration was subsequently changed, this will not be reflected in a score run pr  More...
  • 8. Explain usernames and passwords for PIB and Online Banking a little more. Public
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    First, keep in mind that the PIB profile is completely separate from Online Banking. It's sort of like a security company you hire to watch over your house: The security company is one entity, and the house is the other. The PIB profile is what sets the rules. Online then obeys those rules. The most important thing to remember is that they are two separate web-based applications, each with their own username and password. To complicate things a little more, online banking can be accesse  More...
  • 9. What is PIB-MLO? Public
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    PIB-MLO (Personal Internet Banking Multi-user Log On) is the online security tool that businesses can use to have complete control over the access to their BizLink 247 (formerly It's My Biz 247 ) account. Through the use of PIB-MLO, businesses can add users and define their permissions. They can also use this tool to reset their employees’ BizLink 247 passwords. Each user's access to and activities in BizLink 247 can be controlled, either via CU*BASE or PIB-MLO. Each individual t  More...
  • 10. Do I have to activate PIB in order to use eAlerts? Public
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    No. You can turn on eAlerts no matter where you are in your progress toward implementing PIB. Of course, PIB does offer the multi-layered security that may be important to members checking their alerts in online banking! e-alert e-alerts
  • 11. Can a CSR reset my employee ID password? Public
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    No, our CSRs will not reset the 2-character CU*BASE Employee IDs for your staff. This must be done by an internal CU security officer. Use Tool #762 Reset Employee ID Password . (This can also be done via Tool #327 CU*BASE Employee Security using the Reset PW option.) It is important that credit unions insure proper training to their employees regarding the expiration of their CU*BASE Employee ID password. We deliver a warning message of expiration 7 business days prior to the staff member.   More...
  • 12. What time-frame should I consider when turning on PIB? Public
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    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...
  • 13. Is PIB the same as multi-factor authentication? Public
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    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...
  • 14. What new information does member see on the Login History page in Mobile Banking and "It's Me 247" starting with the 18.08 Online Banking release? How might this be different if the member logs on with device registration controls to their access (PIB)? Public
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    The member will see some new information on the Login History screen starting August 29, 2018. The data for this change was collected beginning August 7th. New information includes: Login Source types: iOS, Android, Desktop Browser, Mobile Browser, Loan Application, Other Login Methods: Username Password, Fingerprint, Pin, Voice, Face NOTE: If a member uses Personal Internet Branch (PIB) device registration, a duplicate login record might appear that doesn’t record the login source, IP  More...
  • 15. I'm looking for some special Credit Bureau Comment codes for bankruptcy, but don't seem them in online help. Where can I find these? Public
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    The following old special Comment codes are no longer valid now that your credit data is being reported using the Metro 2 format: BU BV BW BX BY CA CB Instead, use the Consumer Information Indicator field on the loan account to report bankruptcy. This can be changed using Tool #20 Update Account Information on the loan account (click the Credit Reporting Info button to display the the Credit Bureau Reporting Information screen). NOTE: You only need to report bankrtupcy once. If the bankrup  More...
  • 16. Does CU*BASE support Risked Based Lending strategies? Public
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    Yes, CU*BASE supports risk based lending. CU*BASE provides tools for pricing loans as based upon the Credit Score/ Paper Grade received. A credit union should check with its applicable credit bureau(s) for Decisioning Products available to facilitate this process.
  • 17. The FACT Act requires we notify members when a credit score was used to determine eligibility for a mortgage loan. How can I use CU*BASE tools to comply with this requirement? Public
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    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...
  • 18. How does 7-day processing affect lobby transactions? Public
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    It is important to distinguish between the following: Terminology: Seven-Day Processing: CU*Answers processes your credit union’s nightly cycle seven days a week in accordance with our 24/7 approach to core processing. Sunday Open Branch: The CU staffs the lobby for business and performs regular daily services for members. CU*Answers requires 30 days lead-time to prepare this activity for your credit union. We have accommodated credit unions with Sunday Open Branch activity since 2013. Cur  More...
  • 19. How does Fiserv determine the method by which payments are sent to the biller? Public
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    Fiserv evaluates payment direction based on a proprietary algorithm that takes into account many factors. Some evaluation is done at the sponsor level, some at the merchant level, and some at the subscriber level. Sponsor level information determines what check types are acceptable – draft only or draft and corporate. Merchant level information determines the preferred payment method for that payee (electronic or paper) and if the merchant assumes responsibility for returns. Subscriber  More...
  • 20. What types of analysis should I do regularly with the "Money Movement Analysis" tool? Public
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    There are a couple of things a credit union CEO should do with the Money Movement Analysis tool (Tool #536) in CU*BASE: Comparing to last month: The tool is designed to use last month's ending balance to compare to the current date. So one way to use this each and every month is to regularly compare the balance during, say, the third week of each month and see what accounts have had wide swings either up or down, and then act accordingly on a regular basis. For example: On July 20, compare  More...
  • 21. How do you access the OFAC Tracker, or for that matter any Tracker, if the base share (000 account) is hidden for that membership? Public
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    Credit unions can choose to hide the 000 account for select memberships. This is a business decision that may be elected for special accounts, for example business accounts. This feature must first be activated for the credit union in the Master Parameters in the OPER screens. Then credit unions activate it by using the Membership Designation configuration. Once activated in the membership designation, the feature will cause the 000 account to be ignored (for accounts of this membership des  More...
  • 22. My credit union wants to allow maintenance on Automated Funds Transfers (AFT) in online banking. What are the steps for allowing members to set up and maintain their own AFTs? Public
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    There are several configurations that control the member’s ability to set up and maintain Automated Funds Transfer (AFTs) online. Does your credit union's Personal Internet Branch configuration allow the maintenance of AFTs? Are AFTs configured to show in online banking? Does the member's PIB configuration allow maintenance of AFTs in online banking? For existing AFTs: Is the record locked to prevent changes in online banking? 1. Does your credit union's Personal Internet Bran  More...
  • 23. We are thinking of activating the new See and Jump features for online banking. Can you explain the thinking behind the security, and why only an account owner can have this access? Public
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    IMPORTANT NOTE: With the new look for It’s Me 247 being released during 2021, the “See” option shown on here is temporarily unavailable. Members who had See-only access previously configured will no longer have access. Jump, however, is still available. 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&rs  More...
  • 24. I was doing some cleanup and noticed that my CU has a lot of non-member records that match the SSN/TIN of actual memberships, usually the same person. How does this happen? Public
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    When you close a membership that is linked to another membership (for example, a wife closes her membership but is joint on her husband's membership), CU*BASE automatically creates a non-member record so that joint owner the link can remain in place. But later on if the wife were to come back and open a new membership, if the user chooses not to copy the non-member record but rather re-enter all of the wife's info from scratch, the non-member record does remain in the file. There are al  More...
  • 25. What options are available for who controls setup and access to "BizLink 247" business banking? Public
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    There are three options available for setting up users, assigning permissions and resetting passwords in BizLink 247 (formerly It's My Biz 247 ): Scenario A: Company controls access to BizLink 247 and PIB-MLO (credit union still can support) If the company elects to use PIB-MLO, your credit union will only need to set up an initial administrator user in CU*BASE. Then the business will have a user that can log into PIB-MLO who can manage online banking access, including adding additional use  More...