Our system does allow for temporary or permanent changes in limits, depending on your configuration. Limit validation can be described as follows: When a transaction is received, the program looks to the current limits to approve the transaction. CBX compares the date of the last transaction to the system date. If the system date and the new transaction date differ from the last transaction, daily remaining limits are then reset. This implies that the transaction may occur on a non-business day  More...

In this particular member's situation there was no activity in either October or November that triggered a statement. The credit union's quarterly (and year-end) statements are configured to produce a statement for every member, regardless of activity level, but monthly statements are more restrictive in an attempt to save postage costs, and not every member gets a statement every month. NOTE: CBX statements have a considerable number of configuration options that allow credit unions t  More...

The settings that control how this works are part of Tool #558 NSF/Overdraft Transfer Configuration , on the Overdraft Protection Activation screen. There are two flags for ANR/courtesy pay: Use Negative Balance Limits for Authorizations and Use Negative Balance Limits for Posting . They control whether the member's ANR limit is added when determining the available balance amount. There are four different combinations of these flags: Authorization Flag Posting Flag Description of Result  More...

Per REG DD the ODP, LOC or other funds available in another account cannot be displayed when a balance inquiry is initiated. The ATM inquiries and resulting balances on ATM receipts will still show the member’s real, actual balance for just the specific account being viewed. If there is a negative balance on the account being viewed, CU*Answers will not send a negative balance so the balance will show as zero.

View your DAILYxx output queue and put the report on hold. Then attach your printer to the DAILYxx OUTQ and the system will print only those reports on a RDY (ready) status. All reports in the DAILYxx OUTQ will route in the evening according to the OUTQ routing screen.

Seven-day back-office processing has no effect on the releasing of uncollected holds, including ATM deposit holds. If your credit union has set up holds to calculate based on business days, then release dates for these types of holds are calculated based on the configured credit union business days (the days the credit union branches are open).

The MSG TYPE values describe types of 'authorizations' and 'transactions' processed through the CO-OP network. Authorizations: (100 110 120 130) For PIN Authorizations there is no hold on the member's funds. However, Signature Authorizations place a hold, CU*BASE shows this as a debit authorization comment in OTB processing. In either case this transaction is not posted to the members account. This is just a POS (point of sale) authorization for the merchant. It could be e  More...

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...

First, use Tool #146 ATM/Dbt/Crdt: BIN Config Inquiry to review what your current limits are. Then, if you would like to change those limits, contact the Cards Payments team ( cardsandpayments@cuanswers.com ) and we’ll be happy to assist with that change.

Use Tool #763 Reset User Password / Device. Remember that you must have authorization to access this tool in order to reset an ID. Usually this is limited to the credit union's security officer or other authorized person. NOTE: For Data Center employees, a similar tool is available via the main Toolbox menu ( Reset Login PW for DC Employee. )

What This Message Means: This appears when the member has tried 3 times to enter their password incorrectly. The message does instruct the member to click I forgot my password and answer all three Security Questions to reset the password themselves. But if the member doesn't know their password or their security questions, they will need to contact the CU. BE CAREFUL: This is a scenario that presents the most risk to your members. If a bad guy finds out a member's name, account nu  More...

If the credit union’s back office has determined that it’s ATM, debit, or credit card G/ls are ‘OUT OF BALANCE,’ they can use the reports below to assist in locating transactions which should have posted but did not post to the general ledger. The recon program documents the differences on two recon reports. The Online Reconciliation Recon to Online Match (PRCNXX1) documents the entries made in the vendor file and any entries that appear in the vendor file that are not  More...

No. ATM transactions are not included in the debit card round-up toolkit. It is either signature-based debit card transactions or POS (pin-based) transactions.

The consequences of accidentally NOT ordering a card, while inconvenient, are slightly less than the consequences of ordering a card unintentionally. That’s especially true in cases where ordering a card automatically shuts down an existing card, like when there is a second person with that card that suddenly can’t use theirs. (Depends on the vendor setup.) There are situations where CUs use the card reorder feature to change PINs only, or update expiration dates, or something else a  More...

Tools for Tracking ATM/ITM/TCD/TCR/Supplemental Vault Balances Although CBX will store the balance of each ATM, ITM, TCD, TCR, or Supplemental Vault as an individual GL account, this is often not a balance that reflects the most up to date information based on member activity. This is because there are daily operations (posting of ATM transactions, member activity, etc.) that do not update the GL balance until EOD. Therefore we would suggest that each ATM/ITM/TCD/TCR/Supplemental Vault be tr  More...

This can be done by your credit union's designated Security Officer using Tool #763 Reset User Password/Device . This tool lets you reset a password for a terminal User ID (not an employee ID) as well as to vary on a workstation device. NOTE: AI*Engaged password resets are done via the CU*BASE tool at this time.

Launch Tool #145 ATM/Dbt/Crdt: Audit Card Status Changes , locate the activity record (the User/Employee ID column will say ONLINE STS ), select it and choose Additional Status Information. The following vendor response codes may be sent from STAR/PSCU: ■ 00 - Successful ■ 25 - Record Not on File (P) Card not in CMA ■ 26 - Record Already on File (AM) Card already activated ■ 29 - Unsuccessful (any other denial code) SGD Activation not supported, any other problems with processing the trans  More...

The Process Code or PROC CODE on this screen refers to which accounts CBX is going to look at to see if we can authorize the transaction or which account we are going to process against when the vendor is sending a completion. It is a 6 digit field and is broken down into 3 sections to determine how CBX should process the transaction. First is an explanation of how this 6 digit code is broken down and what each segment refers to: OO FF TT in this example the first two digits would be the   More...

Ever wondered just how many times members really do call up and ask that their online banking password be reset? Might seem like some members call every other day, but until now there wasn’t really an easy way to tell. The PIN/Password Change History screen answers that question quickly and easily. When accessed via Tool #14 Member Personal Banker , you will see just a single member’s history, which is helpful if you are talking to a member on the phone. When accessed via Tool #505  More...

The fields are related to Process Codes, in that they are derived from the code attached to the message received from the plastics processor (vendor, or switch). The Type you see in the initial Type column of the Activity screen relates directly to the Transaction Description when you view additional transaction details. Transaction types may not apply to all vendors. Examples of these labels are as follows: DEP (Deposit Transactions) ATM/DEP A deposit made at an ATM. ATM/DEP - including a $  More...

Yes, this can be done at the individual card level as explained in the Show Me the Steps topic linked in the Related Links below. Simply repeat the process and recheck the boxes when you want those services to resume.

When a cash deposit is made at a Smart ATM, we are able to place a $ symbol within the secondary transaction description, and the BSA program uses this to identify currency. But shared branch network activity is different. Transactions via Co-Op national shared branching have the ability to include both cash and checks as part of the funds in. Adding a notation to the transaction records would be difficult at it's not a 1:1 correlation between funds in and the transaction. For that reason,   More...

Credit Union ABC has activated the Reg E opt in/opt out feature and has configured a NSF fee. John Smith, a member of ABC Credit Union, has elected to opt out of receiving overdraft services. John will not be charged an NSF fee on one-time PIN ATM Debit (13) and Debit Signature (16) transactions. John will be charged an NSF fee on any recurring PIN ATM Debit (13) and Debit Signature (16) transactions, which are not covered by the member's Reg E opt in/opt out setting.

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.

When you see one of the following symbols ($, *, #) in the 8th position of the transaction description of your EFT transaction, that indicates that the transaction was processed as a special type. You can view the transaction description either in the member transaction inquiry (account history) or via ATM/Dbt/Crdt inquiry and maintenance tools. As an example, the transaction description for a recurring debit withdrawal transaction will begin with: DBT/WDR* * indicates that the transaction was   More...