To associate different indirect products (for new, used and auto) with a selected range of collateral years or to update model years in my indirect delivery channels, access the Configure Loan App Delivery Channels (5) screen via Tool 462: Loan Delivery Channel Configuration , and select your delivery channel. Then use Enter and select the collateral type to update or add to. Highlight the year to change it or use Add to add additional years. On the next screen enter the collateral year range.  More...

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.

YTD Fees for loans on a statement come from file LNFEES. That file is updated as part of EOD for the sole purpose of printing of YTD and Period Fees totals on statements as per Reg Z. The LNFEES file has a bucket for each month for totaling all fees; it also has a YTD Fees bucket. For credit cards, Reg. Z fees are split out on the statement at the time the statement is created. Fee transactions are identified based on the criteria outlined below, and the YTD Fees and YTD Interest totals are c  More...

Yes. You can pull a credit report for any service using the online credit bureau process. Using Tool #53 Process Member Applications, use action code CR to pull the report without creating a loan request and application. We can then create Member Services denial notices for debit cards, checking accounts, ATM cards, etc.

This flag governs the amount of payment required to advance the due date one frequency. If a CU sets this flag to Yes, only the scheduled payment is necessary to advance the due date. If a CU sets this flag to No, the scheduled payment and the amount of the fine will be necessary to advance the next due date one frequency.

eDOC Innovations offers a full suite of e-document solutions. This includes paperless receipts, loan forms, reports and statements as well as eSign and Check 21 solutions. Together with CU*Answers they offer three different integrated document storage or vault models. For more information about eDOC Innovations and how they can automate your document workflow, contact John Beauchamp at jbeauchamp@edoclogic.com or phone 800 425- 7766 extension 228. edi edoc edocs

Yes. For example, you could use G/L automation routine to gather a G/L account total(s) plus use a purpose code routine to gather a total of certain loan accounts, and the sum of both would be used for the account code on the 5300 report.

If a person or organization is added to lending denial of service block list, an employee cannot open a loan under any membership owned by that SSN/TIN. They will see messaging that the “SSN/TIN appears on block list” directly after selecting the membership when attempting to create a loan application for that SSN/TIN in CU*BASE. Additionally, for online loan applications, the loan officer will see messaging “On Fraud Block List” when working an incoming loan application   More...

Certificate types or Dividend Applications that are Health Savings Accounts (HSAs) or IRAs cannot be set up as CD/Share Secured loans. Escrow accounts cannot be set up as Share Secured Loans. Only Installment closed-end loans can be selected when configuring CD Secured, Share Draft Secured, or Savings Secured Loans. Mortgages and open-end loans cannot be selected.

Refer to the Posting Your Remote Deposits to CU*BASE - Using eDOC Innovations Products manual for details. A link to this booklet is provided below. This document will show you how to post your remote deposit transactions that were made via an eDOC Innovations CheckLogic product into CU*BASE.

Yes - MAC is supported! Any issues could be related to the browser and version that a member may be using. Recent versions of Safari and Firefox are compatible. Javascript has a thrid party library that makes updates frequently (jQuery) and this could also contribute to It's Me 247 issues.

Yes and no. There is no limit to the number of program templates you can build to hold your decision parameters, but only one CLR Path program template can be attached to a loan product at any time.

Yes, using Non-member Notes . These were intended to be a sort of mini-Tracker for non-member records only, and many CUs use them for referral notes and details about loan applications for which the non-member applied but was denied. Check out the related link below for more details on non-member notes in our online help. If the non-member ever becomes a member, those notes can be automatically copied into a Tracker record. In order for this to happen, you will need to adjust your configura  More...

No, the 1Click Offers feature does not specifically support MLA requirements. MLA grants a number of protections for active duty service people and imposes specific requirements on the credit union in granting credit. At the heart of the matter is the calculation of the Military Annual Rate (MAPR) and the disclosures required prior to or at the time of extension of credit. The act requires that a unique APR be calculated incorporating things such as fees and credit life or disability. The MAPR   More...

To exclude persons or organizations on the lending fraud block list from receiving your 1Click Offers, exclude the members on the Block New Loans (BLOCKLNAPP) table/file when creating the list of accounts that will be included in the offer.

CU*Answers has a rolling schedule of network security audits and assessments including internal and external penetration testing. We do not limit the scope of these tests to just the online banking environment. We also do not publish the results or reports from these tests for security reasons. The test results are reviewed by our Executive Team, our Board of Directors (made up of peer credit union CEOs), as well as examiners from the NCUA and state regulatory agencies. They are also reviewed b  More...

No. Secured loans do not look to joint owners, community property, or marital property laws. The loan documents will not require, ask for, or accept a second signature. Your credit union may wish to review your Member/Loan Documentation to ensure they are still in compliance with the product. You may decide to use a unique certificate type for CD Secured loan products or a unique dividend application for your Share or Share Draft Secured loan products.

CU*BASE does not perform any automated card reissues for any credit union or vendor. With the exception of two platforms*, all plastic card reissues are done for the credit union by their vendor. The normal process is the vendor sends the CU a couple of reports once monthly (usually 6 weeks out from expiration of card). One is a reissue report, the other a non-reissue report. The CU reviews and makes changes to the vendor system prior to their cutoff date for ordering the reissues. All cards   More...

Performed on a daily basis, Audit Link uses the CU*BASE Dashboard for Negative Balance Analysis to retrieve negative balance data. A daily report summary is provided to your team illustrating negative balance accounts separated as 15-day buckets to assist in quickly identifying possible fraudulent activity and areas that may require immediate action. Also included with the daily report summary are graphical representations and delinquency ratios to assist in identifying key trends affecting your  More...

Starting with the 16.10 release, you can schedule recurring outgoing Automated Funds Transfers to accounts that are configured with the CU*BASE “Off Trial Balance” OTB feature. Refer to the linked to Answer Book item for more information about this feature. In order to turn off this feature you must first clear all AFT records to these types of accounts. Contact Client Services for assistance with a purge of the 999999998 records in the TO TRANSF file. Because members can add ne  More...

Tool#333 Dealer Trial Balance / Reserve Calc. Rpt. can be used to run a report showing dealer names and all member accounts attached to each dealer. The report can also calculate the total reserve amount for each loan, by multiplying the loan disbursement amount by the reserve percentage configured for each individual dealer. When ready, use Enter to produce the report. Please also review the Online Help for this tool in case you have further questions regarding setting parameters for this tool  More...

Yes! Starting with the 23.05 release, CU*BASE lets you configure your online banking rate boards for savings, certificate, and loan products, so that products are shown only in BizLink 247 business online banking, or in It’s Me 247 online banking, or both. When setting up a product to appear in online banking (via Tool #506 Member Rate Maintenance for savings or certificate products, and via Tool #470 Loan Product Configuration for loan products), you’ll see checkboxes to activate  More...

Refer to the resources below for more information. Lender*VP My Favorite Dashboards and Reports brochure AuditLink My Favorite Dashboards and Reports brochure (specifically Loan with Interest Due Above Payment Amount and Loan Portfolio Concentration Risk Summary) Automated Reports and Queries booklet Lender*VP Reports and Dashboards training Lender*VP Custom Query services

Yes. There is an Amortization Default option available in each of your Loan Product Code configurations which allows credit unions to default amortization criteria such as: Delinquency Fine Code, Rate, Payment Frequency, # of Payments etc. The system will then default this value into the applicable fields when creating a new loan request. These defaults are intended to provide consistency for all new loan requests, but can be changed/edited during the loan request process if necessary.

If you press the SHIFT key five times in rapid succession it will ask if you would like to turn on StickyKeys. If you click OK, it will turn on StickyKeys. StickyKeys is an accessibility option in Windows that allows for someone to use the CTRL, ALT or SHIFT keys one key at a time without having to hold the keys down. To turn StickyKeys off: Click on the Start button Click Control Panel If you see “Pick a category” with 10 categories below, click Accessibility Options, and then c  More...