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...

The credit union can pass any underwriting code that's configured as a Approval or Denial code type. So if your credit union has underwriting codes of AI for Approved Indirect and DI for Denied indirect, those will both pass a status of approved/denied as long as they are configured correctly. The only code we standardized is the CO for Counter Offer. This is the only memo type code that can be passed for indirect. Any other memo codes would not trigger a notification to the dealer. C  More...

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.

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...

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. It's Me 247 online banking

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...

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.)

A file is sent each night to all indirect vendors for dealer additions/deletions. The vendors may take up to 48 hours to process the change requests on their end before the relationship is terminated. NOTE: Also ensure the dealer is removed from CU*BASE via Tool #245 Configure Dealer Info for Indirect Lend . NOTE: For Route One and Dealer Track, you must also remove the dealer from the Integration Manager. Refer to the reference booklet below.

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.

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...

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...

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...

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...

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 .

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...

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...

There is nothing CU*Answers can do to stop financial aggregation services like Mint from accessing our online banking products. Although we have set up many direct integration tools over the years (see the related links), members can also provide their credentials to whomever they choose and the process is entirely in the hands of that third party to maintain the connectivity. Hint: Members who choose to do this will need to remember that whenever they change their online banking password, they&  More...

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...

Please use the attached link on our website for an up-to-date listing of the online vendors and supported features already integrated with CU*BASE.

The Member Service Denials feature (to create/print denial notices) can be accessed via a Denied button located within Tool #3 Open/Maintain Memberships/Accounts. A credit union can configure miscellaneous member service denial notice types such as: ATM/Debit Card application denials, checking account denials, membership application denials, etc. These member service denials are commonly used for denied services that would not involve a loan application/request.

The only way to retrieve the information is to use Query. The table name is HBMASTER in your FILExx library. The deleted record remains in this table, but will have a status of X .

The information sent to the bureau was not an exact match, but based on the information provided (including name, address, DOB, etc.), the bureau returned a match to the correct SSN. CU*BASE is set up to pull a credit report for applications that are sent from online banking based on the applicant's consent to have their credit pulled within the application. There is not a way for the SSN to be verified as correct or not at the time of the application, but the credit bureau is able to do fur  More...

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...

Because of CU*BASE design to integrate directly to the general ledger is one of its most impressive features, the teller system needs to process as its own section. In order to discourage inaccurate or misleading transaction reversals or back-dating, the dual system segreates the teller drawer (cash) from the member transactions and balances. If the two steps are not completed correctly, the general ledger will be out of balance. Fortunately you can use Tool #31 Reverse Tran/Adjust Drawer (Same  More...

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...