Yes. The data match file we already send to the State of Wisconsin each quarter will be used now by them for multiple purposes, including tax data, unemployment insurance, etc. Your credit union is still charged the same quarterly fee* for transmitting a single file to the state. (Note: This same technique may also be used by other states that are now requiring unemployment insurance claim data matches. CUs do not need to do anything; the file content is the same and the state is simply using  More...

When you use the filter buttons on the File Maintenance Inquiry dashboard (Tool #159: Audit File Maintenance Inquiry (CUFMNT)), indicators note which programs, fields/columns, and files/tables AuditLink has flagged as “critical” for auditing teams to monitor on a daily basis. You can quickly sort by that indicator and select only those items for a quick scan of maintenance that directly affects member accounts. Below is a listing of these critical items. Columns/Fields Field Why   More...

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...

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...

A program error message displayed when attempting to print either your DAILYXX or PRINTXX reports is usually because the writer to which you are attempting to print the reports has not been started. The detail of the program message will state that the Writer XX is not Active. The printer will need to be connected/re-connected before you can proceed with printing your reports. outq, OUTQ

On the first screen in the Loan Maintenance option, there is a tab on the bottom of the display screen called Loan Coverages . Choose that tab and you will see the secondary screen to perform your update. Note * Once you make your changes, press enter (the screen will not change), use the back arrow to get back to the loan maintenance screen. Press enter again and your insurace/debt protection update will apply. Level credit life credit disability

These message indicators appear on the CU*BASE loan insurance premium posting report (TCUNAS2 / TCUNAS3) and the Debt Protection Fee posting/exception reports (TCUNAD2 / TCUNAD3). By looking at the reports, you can tell if a premium / DP fee posted or not based on the exception. LOAN INSURANCE MESSAGES ADD SIGN There is joint coverage on this loan. There is either no 'additional signer' record, or the birth date for the additional signer is missing or invalid. JT TO SG There is joint cov  More...

Think of it this way: the member might have a negative balance limit, but Reg. E says you aren’t allowed to charge them a fee for dipping into it unless they specifically opt in for that level of service. But this rule of thumb ONLY applies to ATM and everyday debit card transactions, NOT to checks and ACH items, nor to recurring debit transactions. Since debit card transactions that have been authorized and come through to CU*BASE for posting cannot be returned like a check or ACH item,   More...

We recommend that you contact CUNA for claim / benefits information. They can be reached at 800-356-2644.

Fax/email a copy of the new rates to CU*Answers Client Services, along with your name and credit union contact information. We will make sure the rates are loaded into CU*BASE on the effective date. Your laser loan forms may require programming changes based on this change or addition of coverage. Please contact Client Services as soon as you know your insurance coverage will be updating.

All vendor (CUNA or any other insurance vendor) Loan Insurance and Debt Protection Reports can be found in CU*SPY. They can also be directed to print or archive using menu Tool #573 OUTQ Report Control . The Report Names in this option are: Loan Insurance = TCUNAS/QPRINT2, TCUNAS QPRINT3, Debt Protection = TCUNAD/QPRINT2, TCUNAD/QPRINT3. One report is the actual posting of the premiums, the second report extracts and of the 'exceptions' in one list, making it easier for a team member  More...

The payment change (payment to recover CPI premium) uses the standard amortization formula (remember this requires a scientific calculator to calculate the exponent ^): (r*v)/(1-(1+r)^-n) r = monthly rate v = value (i.e. CPI premium) n = # payments The number of payments to amortize is the lesser of the CPI term (from system configuration) or the number of payments left on the loan.

There was a rewrite by CUNA effective April 1, 2014 that states that if a loan is over 120 months, you cannot add insurance to it. Your example was for a Home Equity Loan for 240 months. CUNA insurance only goes out for 120 months so you receivced the error term is over the life maximum term . Please call your CUNA representative if you have any further questions.

As an example, a credit union had a loan with force-placed insurance and changed the payment amount and advanced the due date. Because this loan had a CPI force-placed insurance placed on it, CU*BASE handled it in the following manner. The credit union did an extension on this members loan yesterday, including advancing the next due date into the future and changing the payment amount from $205.39 to $104.00. This morning (05/21/13) CU*BASE changed the payment amount from $104.00 to $89.88. T  More...

Yes. Use Tool #357 “Employee Security Audit Report.

All three of these terms describe the manner in which a credit disability premium is calculated for a specific loan. Single Premium - Calculates the premium through a set of rates that correspond to the Original Term of the loan. The premium amount assumes insurance coverage for the full term. This premium is added up front to the loan balance when the loan is created, hence Single Premium . If the loan is paid in full early, the borrower is entitled to a refund for the time between the pay  More...

Use Tool #820 Skip-a-Payment Program Configuration . Refer to the resources below for more information

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...

While it is possible that an issue someone runs into on a website is an issue with the web server or a programming issue with the site, it is very important to rule out any browser or workstation incompatibilities first. If the website is not being opened in a supported browser, for instance, it can cause errors that would otherwise not exist. So what are some standard troubleshooting steps than can be taken? Are you using the latest version of your browser? Just like any other piece of software  More...

If you pull credit reports using the CU*BASE online credit bureau access system, credit report data is stored online and can therefore be mined for opportunities. There are a couple of ways you can find this information: Use Tool #976 Where Your Members Borrow This tool pulls trade line data from stored credit report files, showing other financial institutions with whom your members do business. This tool lets you make a direct comparison between your credit union and a competitive FI. F  More...

No. The way that normal CU*BASE features work is to use the CU*BASE Workstation Configuration settings to determine a default printer for certain functions, or you can choose a printer directly when printing most CU*BASE reports. But since IBM Query is not a CU*BASE program but rather a generic program offered by IBM, it does not have any way of looking at CU*BASE configs for the info it would need to direct the print job. Therefore a Query definition will go to your list of spooled files and  More...

No. PIB is a layered security solution , which is one of the three methods recommended by the NCUA to comply with the “Guidance on Authentication in Internet Banking Environment” (letter 05-CU-18). Remember that you only need to select one of the three available methods. (The other two methods are multi-factor authentication, and “other controls,” the NCUA’s way of allowing for technology that doesn’t even exist yet.) Although the term “multi-factor   More...

Draft Return codes may vary by vendor. Every CU does not use the FRB to return drafts. CU*BASE allows you to enter generic codes and then the program converts them to the proper codes for the vendor. Refer to the link below for instructions on entering return codes in CU*BASE.

Non-member notes do not include special codes for topics or purposes – they are by design a free-form note-taking system. In order to use the system for connecting employee referrals to later actions by that person, you might procedurally require that staff always use the first 10 characters of the notes to write in the referral topic, then add in the rest of their comments afterward. If that is reliably done, then it could be possible to pull reports on that initial referral topic then co  More...

No, those statistics are only updated when the original posting program charges a fee to the member. The idea behind this stats file is to record the member was NSF when the item originally came in, regardless of why. There may be several reasons why you reverse the fee, not all of which would mean the history should be changed. (For example, say the item came in NSF but the member had called and said his paycheck was coming tomorrow, so you gave him a break and reversed the fee. In this cas  More...