Of course we are always happy to assist you in explaining system features to your auditors and examiners. We will be glad to talk directly to your examiner to explain not only how the tools and security features work, but also the strategic ideas behind why things work they way they do and the direction in which we are heading. Please contact a CSR or our CEO directly if you need help working with your examiners.

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.

Previously, credit unions used Code 38 for “Return to Maker”, but this code is no longer available in the system. This change was initiated by a Reg CC change in 2018. Now, if you are presented with a situation where you need to return a check to another institution, it is recommended that you use one of these codes to clarify the reason for the check return. Some codes allow you to make the change in CU*BASE. Others require that you contact your Check Item Processor. Read below for   More...

Regardless of whether a member is enrolled in eStatements, the member will receive a paper copy of their tax documents in the mail, provided they earned enough dividends (or paid enough interest) through the tax year to qualify for a tax form. The presentation of tax documents in the My Documents section of It's Me 247 is an additional convenience that makes the forms readily available online, often earlier than they are provided by via mail. If you are not currently offering this feat  More...

The differences between the Loan/Share Trial Balance Review and the Loan Risk Analysis Report are: The Loan/Share Trial Balance Review is pulled with beginning of day totals, does not include loan category 99, but does include loans with a risk score of 0. The Risk Score Analysis Report is pulled from end of day totals, does not include loan category 99 (if excluded in the response options), and does not include loans with a risk score of 0.

When eStatement messages are complete there are two things that happen: 1. A 'Completion Summary Report' with successes/exception/totals is created. The call letters for this report are LFMLOG. 2. A record is written out to the CUFMNT File (see example below) and if you don't see this record, it has not run yet. MNTPGM = PESTMT MNTOLD = MSG: ESTMT EMAIL SENT TO AUTO MNTNEW = CORPID: 01 #SENT:(Your Credit Union #) You can view this record using Tool #159 Audit CU F  More...

CU*Spy supports current versions of IE , Firefox and Chrome. Safari is not officially supported but typically works. Usually if Safari has issues, in our experience, it is with displaying PDFs. Should this occur, this issue is outside of the CU*Spy web application and exists between the browser and it's ability to display PDFs and therefore we have no ability to correct this situation.

Yes, previous statements will be available, going back as far as our normal retention period.

Members cannot opt out of receiving the eStatement notification message. Their only option is to unenroll from eStatements if they do not want to receive these types of emails. Education is key in this area. Use Tool #262: Configure Monthly eStatement Emails (or Tool 497: Member Connect Marketing Tools, then Message Type ES) to update your eStatement notification text. Learn more by clicking the link below.

No, printed inserts do not show up with the eStatement in online/mobile banking. To include this same marketing message for your eStatement members, we recommend you work with Xtend to engage the e-Info service. Use the links below to learn more.

Remember that once the emails are sent by CU*BASE, it becomes a function of various Internet Service Providers (ISPs) to deliver the emails to members. See the related links below for ideas about preventing emails from being treated like spam by ISPs, thus delaying delivery. Also make sure that your credit union's email address is marked as a safe sender on your personal email settings. Likewise, members who complain about not receiving emails may need to check to be sure your emails ar  More...

It depends. If the change is strictly related to the generic disclosure information that makes up part of the statement overlay (the layout and generic text that all statements have, regardless of the exact member data or CU configuration), then yes, the change will be retroactive to existing eStatements already stored in CU*Spy. That's because CU*Spy doesn't really store the actual statement image, but rather constructs the eStatement using a combination of the raw data generated by  More...

Statements are available online for 18 months. They are also available through long-term archival options (CD-ROM/DVD). retain retention

CU*BASE only supports those with a valid US address for our QualiFile interface. If a member has a foreign address, you would need to process that through the website manually.

They will not get unenrolled for eStatements, but their email will be marked as a wrong email address. This will cause the member to receive a printed statement that month, and the normal e-Statement fee/rebate will not be posted. The next time they log in to online banking, they will see a banner ad alerting them to the fact that their email is flagged as invalid or missing and that features such as eStatements require a valid email. eStatement

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 Deposit 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 your savings accounts/certificates querying table MEMBER1/ME  More...

IMPORTANT NOTE: When It’s Me 247 was updated in 2021, the “See” option shown on here was made unavailable. 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’s role and responsibility in protecting member private data via all access channels, from the teller line to a back office employee answering   More...

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.

There are two methods used to track delinquent loans for reporting purposes in CU*BASE: Method One (for Collections tracking) We have always tracked delinquency in two separate fields for “Months” and ‘Days” in the member files. When a loan is 30 days delinquent, it shows as “0 Months, 30 Days” delinquent. When a loan is 31 days delinquent, it is “1 Month, 0 Days” delinquent. A month is always considered 30 days regardless of the actual number o  More...

If you require an email address for eStatements and your member has a wrong email address (and is enrolled in eStatements), the system will do everything to ensure that a paper statement is not mailed (which happens in this case when the email address is marked as incorrect). The next time the member logs on to online banking, they will be presented with a wrong email address prompt and asked to provide a valid email address. A link is provided to the member in this window that takes them direct  More...

Certain controls that may be used by a lender, or even by It’s Me 247 when a member submits a loan application, are not evaluated by the system-generated Deposit Secured loans. As long as a member has access to online banking, a PIB profile that allows loan applications, and has a certificate of a Certificate Type/Dividend Application that allows Deposit Secured loans, that member has the ability to open a Deposit loan online, up to the available funds on that CD/checking/savings account.  More...

There are two primary reasons we charge this fee: Our belief that we should do our best to keep our fees down when credit unions do not earn. This is why, for example, It's Me 247 mobile web is offered free to our credit unions. It's also behind our constant pressure to reduce fees where CUs have no basis or belief they can charge for a defensive, relationship service. Charging for these services in this manner fund other areas where the direct expenses cannot easily be identified wi  More...

Yes, the Statement Mail Groups feature lets you configure up to 9 codes that can be attached to a member's account. The codes specify whether statements should be printed and archived (the standard method) or just archived only. This is used in situations such as for members with written-off loans or bankruptcy situations where the member shouldn't receive a statement, or even if you want to avoid printing statements for your own staff. Archived statements are available through CU*SPY  More...

Yes! The Statement Processing steps are as follows (performed by CU*Answers Operations Department for online clients and internally by Self-Processing Clients): OPER-6 Statement Processing: 1 - Create Statement Work Files This option is run just once each month and produces the work files for the following options. 2 - Create Statements for Print Produces a file for the statements that are to be printed EXCLUDES e-statements (unless member has the mailed copy for xx months option) EXCLUDES st  More...

Go into your member's account through Inquiry or Phone Operator. Use F14-Name/Address to access the address maintenance screen. On the Misc Info tab, update the member's e-mail address in the appropriate field. This change can also be made using Tool #15 Update Membership Information (shortcut: umbr). eStatement