Online CUs must contact a Client Service Representative to make these changes to your configuration. (You can, however, view the configuration using Tool #961 Audit Reg E Triggers for Stmts. As long as you let us know before the last day of a month we can make the changes to your configuration before statements are generated on the 1st. (Self Processors can change these settings via OPER > MNOP09 Member Statement Config. ) Regulation Z Reg. Z

There are two steps: Choose Which Activity is Tracked Modify your NSF Configuration (Tool #558 NSF/OD Transfer Configuration , then #1) to indicate which origin codes will be counted in the fee totals. For example, you might need to report only fees that relate to share draft postings, but not include ACH or bill payment activity, based on your interpretation of the reg. as it applies to your situation. Change Statement Print Configuration Contact a Client Service Representative and request t  More...

A member comes in to the lobby and presents a paycheck, requesting some in cash and some to be deposited as a payment on his loan account. On his way out the door he remembers that he already sent the loan payment in the mail and wants to cancel the transaction and just cash the entire check. How do you adjust his accounts? CU*BASE gives you several ways to correct a transaction that has been posted to a member's account, as well as to make corrections to the teller audit keys that record al  More...

If you use CU*BASE Online Credit Cards, you'll need to submit a special request form (see the link below) to request CU*Answers to do the necessary configuration and file changes to move your credit card due date from the current (typically the 25th) to your chosen new date (such as the 28th). This must be done before the last day a month to take effect the following month, since the system determines the due date to print on a member's statement during statement processing at end-of-month. (T  More...

The General Printer ID that is specified in Tool #326 CU Hardware Configuration does not control where screenshots are printed. The screen shot configuration needs to be changed on the virtual workstation device. Contact the network help desk for assistance. There should be 3 sessions per workstation (G0, G1, and G2). The screen shot printer can be modified here.

If the configuration has a rate of 0.000, Audio Banking will not read any message for that rate, even if one was originally recorded. For example, say you have requested a message to be recorded for item #9 on the configuration, but then you forget to go in and actually enter the rate into your configuration, or you accidentally delete the rate later. That recording will never be read to the member. Once you go in and enter a rate in position 9, then message #9 will be read along with that ra  More...

Use of the Force Monthly Statement' option on the member's MASTER record will allow for member to receive a monthly statement instead of the quarterly/annual statement they may qualify for based on your overall statement configuration settings. Remember that this is intended to be used only in rare occasions where there are exceptions to your rules. If you find that your staff is setting this flag on frequently, you might need to (a) revisit your general configuration settings or (b)   More...

A single co-borrower name will automatically appear (if applicable) in the Account Information section of the mortgage statement. The co-borrower name is pulled from the Additional Signers (ADSL) table using the record with the lowest sequence number. Note: Only one name and address displays in the name/address section at the top of the statement.

Access the Bankruptcy topics to learn more http://help.cubase.org/doc/stepbystep/stepbystep.htm#Bankruptcy.htm See the Related Q A below.

Tool #569 Online/Mobile/Text Banking VMS Config > Online Banking Password and Security Settings includes a setting labeled Expire stale passwords after xxx days of non-use . This means if a member does not log in within that period of time, they must answer all of their security questions in order to reactivate or change their password, before they can log in. The maximum allowed is 90 days, so a value 6 or 12 months is not currently allowed. Remember that this process expires the passwo  More...

The two places are located in Tool #202 Chart of Accounts/Budget Groups Maint and in MNOP09, Master CU Parameter Configuration. The credit union name in the Chart of Accounts governs the member statement credit union name in the absence of a branded logo.

When a Client Access print session is not configured correctly and is launched, the user name is already there and cannot be changed. This is caused by having the wrong connection options selected when configuring the session. To correct this, go into Start -> Programs -> IBM AS/400 Client Access -> Operations Navigator, right click the wescprod.cubase.org connection and choose properties. In the properties window, select connection and change the option for login to Prompt Every Time   More...

This relates to balance sweep accounts where a member deposits money to a share account until sufficient funds are available to make the complete payment to the loan account. We are not programming for this type of payment activity as it is not consistently applied across credit unions.

ISA (Foreign Conversion) Fees have two different calculations based on whether the transaction being processed is being done in US funds ('no conv' as displayed on BIN configuration screen) or will require a conversion from the 'foreign' country's currency to US funds (w/conv as displayed on BIN configuration screen) for processing. The way it is determined which fee should be calculated is within the 'transaction' message that your vendor sends to CU*BASE for process  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...

The system will advance the next payment due date depending on the payments made during the “payment period” window, which runs from due date to due date (which is not always calendar month). Once the next payment period begins, any payments made will count towards the payment amount due until it is fully satisfied, at which point the due date will advance to the next payment period. Payments may still be made during the current payment period; however, any overpayments will be c  More...

The following applies only to CUs that do NOT use the Text-To-Speech (TTS) engine for CU*Talk Audio Response. In order to read a rate message to a member in CU*Talk Audio Response, the system must find both a recorded message for that position and a rate greater than 0.000 on the corresponding position in your configuration (Tool #882 Update ARU Interest Rates ). For example, message #1 and rate #1 must both exist in order to read the rate message to the member. Remember that in order for mes  More...

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.

If the member is delinquent (even by one day), the member is then in the next payment cycle (due date to due date). Therefore, if the member pays the regular payment amount, the loan will advance the date by one period, or by two periods if the amount of the delinquent payment is double the regular payment that is scheduled . For example, John Doe has a Overdraft Protection LOC account that is configured as single payment per period. At the end of September John is due for October 4. John does   More...

Always use the Last Name (LNAME) field. This applies to all accounts. For example, Organizational, Trust, or MO accounts always use what is entered in the Last Name (LNAME) field. The Name ID field is not used.

The 800 number that appears on the front of the statement for credit counseling services is a national one that is paid for by CU*Answers, to cover all CUs in the network. This information cannot be customized at this time.

The non-business days configuration, which includes Federal holidays, is used only when calculating the release dates on check holds placed at the teller line or elsewhere. It is not related to 7-day processing. NOTE: Holds are released according to the release date on the individual Uncollected Funds record, regardless of whether daily processing is run on Sunday or not. If an Uncollected Funds record has a release date that falls on a Sunday, the hold is released on Sunday. This will work t  More...

The transaction description is pulling in from the account suffix description and then uses the origin code and origin type to determine if it was a payment (i.e. ACH or AFT). Those are combined to create the transaction description that appears in the member's history. For example, if your loan product is 360 MORTGAGE and a payment is made, the transaction description might be 360 MORTG PAYMENT. You can use Tool #105 Account Suffix Configuration, choose a suffix and update the trans  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...

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: CU*BASE statements have a considerable number of configuration options that allow credit unio  More...