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1.
If I use Account Maintenance to update a Dividend Application and the corresponding general ledger number, will a journal entry be automatically posted for the principal balance (and any accrued dividends) of the member account?
Yes, the general ledger entry will post automatically in end-of-day processing. Account Maintenance can be used to change the dividend application for member accounts based on the product parameters. For example, a Student Checking may have an age maximum at which point the checking account may need to move the credit union's regular checking product offering. If the Dividend Application configuration have the same suffix range, there is no need to order new checks, change any ACH or Payroll More...
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2.
How does the lending denial of service fraud block list work? Is an employee blocked from creating a loan application or from opening a loan for a member? Can the member still submit an online loan application?
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...
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3.
Can I have CU*BASE default the applicable delinquent fine code into that field when I am building a new loan request?
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.
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4.
If a non-member completes an online loan application and we decide to approve it and set up a membership, can we have them also fill out the online membership app process (MOP)?
It is not recommended that you make a non-member fill out both a loan application and then go through MAP/MOP after that. The way these work currently, there is no way for the system to know those completely independent applications have anything to do with each other. Normally, when a non-member loan app is submitted, a non-member record is created. In the normal workflow of an employee approving that app via CU*BASE, the data is moved from the non-member table to the MASTER table for the ne More...
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5.
How can I view basic statistics of my loan applications, such as denied, approved, pending, and deleted?
CU*BASE has a tool that displays application statistics in a handy dashboard format. Tool #472 Loan Queue Activity Tracking allows you to choose a date range and branch to filter the information, with additional filters such as Underwriter Code, Delivery Channel, Interviewer ID, Loan Category, Product Code, Dealer #, and Business Unit, if you wish. You can also use this dashboard to analyze the data you've selected in your filters, as well as export to a PDF or Excel format. This dashboard c More...
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6.
Do loan applications through Online Banking comply with Wisconsin's community property regulations?
Yes, CU*BASE knows if your credit union location is in a community property state and has the required disclosure text coded in the loan application delivery program. on-line It's Me 247 on line
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7.
How can I learn which fields from the loan application screens will print on the CU*BASE short-form loan application?
You'll find this information in online help while working on each of the individual loan application screens. Look under the heading Field Descriptions for information about what fields, if any, from that screen will appear on the short-form loan application. For example, on the Employment Loan Application screen, the fields that will print on the short-form app will appear in blue text in the list of field descriptions. (Click the link below to view this.)
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8.
I imported debts from a credit report into a new loan application, and paid off loans show a balance in the Current Balance column in the CU*BASE loan application Debts screen. Why is this the case?
If the credit report states there are no outstanding debts, the household information is not updated. For that reason, the loan application Debts screen, accessed via Tool 2 Work/View Loan Application , will reflect data from the last loan application on file. In these cases, the Current Balance values on the Debts screen in the loan application may include a balance for loans the member has paid off.
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9.
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?
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...
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10.
There is a IRS reporting requirement that states that companies that process credit and debit card payments are required to submit IRS Form 1099-K. Will CU*Answers be producing this form?
No. This law actually pertains to merchant card programs where the merchant is collecting payments for services and goods sold. Since we do not run merchant programs on our platform, this reporting requirement does not apply to us.
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11.
I need to make some changes to the settings used for my statements to comply with the Credit CARD Act. When do I need to submit that request in order to make it for next month's statement run?
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
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12.
I am a loan officer reviewing the application screens with a loan underwriter (at a different computer) and the loan underwriter changes are not being saved. Why is this happening?
It is possible to have two people review the same loan application screen. This is helpful if you would like for two people two review the screens together who are on different workstations. For example, you may have a loan officer and a loan underwriter review the screens together. If you review loan application screens this way, the last person to leave the screen will have their changes saved. Let's review this example: Sue Loanofficer and Mary Underwriter are reviewing a loan applic More...
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13.
How do I submit a request for technical assistance to My Virtual StrongBox?
My Virtual StrongBox has an extensive library of technical documentation and video for members directly within the user interface. From time to time members may experience technical difficulties. The primary method for requesting assistance is directly through your client portal link provided by My Virtual StrongBox. Please visit https://virtualstrongbox.zendesk.com to create a profile to share with your administrative teams.
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14.
How long does the person have to get their signature
submitted on a form sent for e-signing?
The document will be available for 90 days, and your employees can monitor the status of documents to follow up as needed.
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15.
A member was filling out a loan application via the "It's Me 247" mobile app, and had trouble filling in her date of birth using the date picker. It seemed like the app was requiring her to tap the left arrow, one month at a time, all the way back to her date of birth 36 years ago!
Depending on your browser or your device, the date picker will vary. For mobile devices, the loan form currently tries to prompt the native date picker of the device. There are variances between iOS and Android that might be confusing. For the iPhone, the date picker is pretty straightforward and it's pretty easy to change the year. However, on an Android it's not as obvious. The trick is to tape on the year itself, which pops up a rolling list of other years to choose from. See More...
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16.
What determines where my GOLD documents print?
This comes from the Workstation Device Configuration in CU*BASE. To view or change this: Launch Tool #326 CU Hardware Configuration Select Terminal/Workstation In the list of workstations, locate the ID of the workstation you are looking up and double click on it (or just type the ID and press Enter) This will open up the terminal's configuration in CU*BASE. In the middle is the list of default printers where your documents will print: General Printer - this will be the printer to which a More...
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17.
Is there a file I can Query to see on what membership applications we have received via It's Me 247?
There is a file HBMASTER that you can query to find the membership applications you have received via online and mobile web banking. To work these applications, use Tool #13 Work Online Banking Apps/Requests.
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18.
Can I have CU*Answers delete suspended Dividend Application configuration codes if there are no active members accounts using those codes?
Suspended Dividend Application Configuration Codes (found in Tool #777 Savings/Checking Products Configuration ) cannot be deleted if there either active member accounts (found in data files MEMBER1 MEMBER2, or MEMBER4) or member accounts closed in the current year (found in data files ACHIST1, ACHIST2 or ACHIST4). The dividend application codes are used for their description of the share/draft product on member statements for closed accounts for the current year. They can be deleted once the an More...
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19.
Members or joint owners applying to open a membership via the online Membership Opening Process (MOP) are appearing as applications in Tool #13: Work Online Bankg Apps/Requests. Why isn't a new membership opened automatically?
Membership applications that have the same SSN as one already on file (either the applicant or joint owner) will be submitted as an application for the credit union to work. Since the system has no way to know whether the new data is for the same or a different person, these will require extra attention since if they are accepted, the data submitted in the application (such as address or phone number) will override personal data saved to the membership or non-member record that is already saved More...
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20.
What features does It's Me 247 Mobile Web Banking offer?
Members can perform the following tasks while in Mobile Web Banking: Check account balances of savings, checking, certificate, credit card and loan accounts (both available and current balances). View transaction history for these accounts. View funds on hold for savings and checking accounts View pending authorizations for credit cards (if they exist) Transfer funds to other accounts (as allowed by standard online banking) View if a check has cleared (cancelled checks) View pending ACH transac More...
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21.
How can I contact CU*Answers for CU*BASE software or Technical Support?
For General Support and CU*BASE Assistance: Use the AnswerBook to submit a question to the Client Services and Education team. You can access the AnswerBook via a CU*BASE session by selecting the @ symbol and asking a question, or by logging in and asking a question. You can also call 616-285-5711 or 800-327-3478 and follow the menu prompts to reach a representative. For Technical Support: Use the ConnectWise ticketing system to submit a question to the Network Services team. ConnectWise More...
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22.
What do I need to do to allow an employee to download or upload data between CU*BASE and their PC?
If you need to allow an employee to perform upload and/or download tasks (FinCEN, AIRES, ALM, uploading G/L entries to post, etc.), you must first complete the iShield Security Access Request form and have it signed by your credit union’s designated Security Officer to sign. Once our Client Services team receives your signed form and verifies it, a request will be submitted to our System i administrators, and you will be notified when the new permissions have been granted. This process wi More...
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23.
How does the A2A process get started? Once the form is filled out what do I do?
The first step is to make sure your credit union has filled out the three required forms: Sign Up Form, Electronic Payment Service Agreement, and Fed ACH Participation Agreement. There is also a non-disclosure agreement to sign to receive a copy of Magic-Wrighter's SSAE-16 audit results. Once the Client Service and Education team has received the forms from your credit union, they will send the form to our third party processor, Magic-Wrighter. Magic-Wrighter will submit a confirmation with More...
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24.
A third-party software (iText Sharp) is required on my PC for PDF exports from the dashboard. How do I install this?
A third-party utility is needed to generate robust PDF output. If you are having issues with PDF generation, it is possible that this is missing or corrupt on your PC. Or it may mean that you have not yet installed the software on your PC. To see examples of how CU*BASE GOLD utilizes this sofware, click here to open the PDF Exports from CU*BASE flyer. See below for directions on what to do if you need to purchase a license of this sofware (iText Sharp) or how to install it once you have purc More...
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25.
With Deposit Secured Loans, do members sign a Promissory note before the loan is funded? What happens if they do not sign the form?
Yes, if an online note is programmed in CU*BASE, it will be presented to and signed digitally prior to the loan funding. If the member cancels out and does not sign the form, the loan will not be created. Instead, the system will submit a loan application to be worked in the LOS Loan Queue (Tool #2). Deposit Secured loans do require special loan forms specifically coded for this type of offer. Your standard loan forms cannot be used with this feature without the special coding. f you are anx More...
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