This comes from Fiserv's records, which are provided to them by the Federal Reserve (through the FRB's Checks Department).

At some point during the year your credit union's audit firm may contact your credit union to perform a member account verification. This involves sending statements with a special message and unique return address, so that members respond to the auditing firm rather than the credit union directly. Here are some important tips to ensure your audit is successful: CU*Answers cannot change your credit union's return addresses on statements. CU*Answers uses custom statement envelopes for a  More...

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...

Yes, you can designate your credit union's own savings (or checking) account number to receive round-up funds when setting up a member's round-up transfers, if you wish. 1. Launch Tool #14 Member Personal Banker for a member who wants to participate 2. Select the Debit Card Roundup enrollment button and double click on the member's desired suffix 3. Enter in your credit union's internal account for the account to which you'd like the round-up funds transferred (this accou  More...

Paper Grade lets you set up more than one set of score ranges and rates, each for a different grade. Since you do not receive a paper grade from your credit bureau, just leave that field blank in the loan category amortization defaults and just enter one set of score ranges and rates. This will allow the rates to be automatically pulled into the loan request based on credit score only. configuration

As of April 2023, CU*Answers and its cuasterisk.com network partners provide services to 366 credit unions in 42 states, representing 2.72 million members.

To monitor monetary instruments, we recommend you use the BSA review process and wherever you see a transaction where a monetary instrument is purchased with cash in, create a Tracker using a specific Memo Type code (we recommend you create a Memo Type MI for Monetary Instrument ). Then you can use the Print Member Trackers feature to pull a Tracker report that will show you all of your monetary instruments for the time period selected, based on Memo Type.

Yes, by making use of both a Misc. Receipts and a Misc. Expense posting code, so that you can put the funds temporarily into a G/L then issue a check from that same G/L. Here are the key steps: First, configure two posting codes, using Tool # 534 Misc. Posting Codes Configuration. For the first one, choose the Receipts type and set up a code that will allow you to place funds into a G/L account. For the second one, choose the Expenses/Advances type and set up a code that will allow you to  More...

There are several configurations that control the member’s ability to set up and maintain Automated Funds Transfer (AFTs) online. Does your credit union's Personal Internet Branch configuration allow the maintenance of AFTs? Are AFTs configured to show in online banking? Does the member's PIB configuration allow maintenance of AFTs in online banking? For existing AFTs: Is the record locked to prevent changes in online banking? 1. Does your credit union's Personal Internet Bran  More...

Remember that once the emails are sent by CU*BASE, it becomes a function of various email service providers to deliver the emails to members. Because of the way our system can send a batch of email messages to a large group of members at the same time, there may be some providers that interpret these email messages as “spam” (junk email) messages, especially if you have a large number of members who use the same provider (such as Gmail). If you hear from members that your emails ar  More...

If you are creating a membership by copying over the data from an existing non-member record (like a joint owner or co-borrower is joining the credit union), the system will copy over all phone numbers tied to that non-member record and attach them to the new membership, then delete the old numbers tied to the non-member (since the non-member record itself also gets deleted at that time). This is not the same when copying from another existing membership , or when copying from a closed membershi  More...

Members can update personal information on the Personal Information page. As a security measure, credit unions can elect that these changes require their review before changes are accepted and changed in the system. This approval setup is activated on the Update Credit Union Online Banking Settings page accessed via Tool # 569: Online/Mobile Text Banking VMS Config and then Online/Mobile Web Online Banking. On this screen, the credit union can select to either have the changes reviewed or re  More...

Enter your device library by launching Tool #326 CU Hardware Configuration. You will need the correct authority to do so. Decide what the ID for the new device should be based on your existing device listing. Complete a Workstation Request form and fax it to the Systems Team at (616) 285-5735. If you don't have one available, you can get one by by going to NET > Technical Support Info > Links in your GOLD session; choose the New Workstation Request. Requests will be completed within   More...

What This Message Means: This appears when your credit union has set a password expiration period for inactive accounts. This means that if a member doesn't log in to Online Banking for a certain period of time, their password will be deactivated. If a member sees this message, they cannot reset the password themselves and must contact the credit union for reactivation. What Steps to Take in CU*BASE: See the link below for step-by-step instructions. BE CAREFUL!! Always verify the person'  More...

Members whose character-count fall below the new minimum required characters will have their online banking passwords reset, and upon their first login, will have to change their passwords to meet the new password minimum length.

In this case the credit union name is being pulled from your chart of accounts, from the corporation record. This is updated using Tool #202 Chart of Accounts/Budget Groups Maint.

Yes! Through automated jobs, you can save your credit bureau reports to your eDOC server then retrieve them right from within CU*BASE just as the online credit unions do with CU*Spy. Contact eDOC Innovations support and ask them how. 800.425.7766 option 2.

No. The monthly billing will show a count of Active Memberships and Written Off Loans . The Written Off Loans count will have a price of zero and is excluded from the Active Membership count. Written Off Loans are defined as loan records with a WRTOFF (write off ) flag equal to 1 . For a discussion of the difference between a written-off loan (debt that is still collectible) vs. a charged-off loan (where the loan has been closed), refer to the Write-Off/Charge-Off Tools booklet lin  More...

Please email imaging@cuanswers.com someone will contact you and provide particulars and answer any questions. edi edoc edocs

We have pretty tight restrictions on our mail servers here to fight spam. We hesitate to strengthen the spam filter as we need to ensure you receive member responses and emails. If your credit union uses Outlook, you can right click on an email message before it is opened and flag it as junk mail or block the address. This will help reduce the number of messages sent to you from the same address. Malicious email senders may continually change their from email address which makes it hard for a  More...

It depends. Using shared branching does not automatically exclude you from the beta pool! But the specific changes being made can affect how your credit union works with others who are not part of the beta. The most common example is shared branching but might also include vendor relationships as well. This becomes an issue when the release includes changes to the database structure itself (new data in files or changes to the data’s format). CU*BASE requires that all of the data used   More...

OFAC is defined in the NACHA Operating Rules and Guidelines Chapter 3, Section 1 pages OG15-OG21. There is a difference between OFAC procedures for ACH transactions and the verification of parties with which a financial institution does business. For ACH purposes, only the addenda information on cross border transactions (IATs) require an OFAC scan for both RDFIs (receiving depository financial institutions) and ODFIs (outgoing depository financial institutions). As far as OFAC compliance goes  More...

When sending emails to members from CU*BASE, or any emails to members for that matter, Google, Yahoo, and likely many other major tech companies that deal with email traffic require that the email include what they call a one-click unsubscribe link. Having the member reply to the email or call a number decreases the delivery rates of your message and makes it more readily marked as spam. Simply have the link say, Unsubscribe and link it to an external opt-out website (that you will need to   More...

Use the GOLD Release Inquiry system as follows: Launch Tool #326 CU Hardware Configuration. On the initial Device Configuration page, press F10 for GOLD Release Inquiry. Click the Sort button above the far right-hand CU*BASE GOLD column, to sort your devices by the GOLD release version. This will bring those with an older version right to the top. Make note of these devices and update them promptly so that your users will not experience any CU*BASE software issues.

It's possible but fairly rare, given how most CUs set up their statement criteria. The two statement types are independent as far as the criteria that determine whether a member gets a statement or not. Typically a CU sets up their regular account statement to look at OC (open credit) accounts, which includes online credit cards, and produce a regular statement if there is any activity. Likewise, a credit card statement is generally set up to produce a CC statement only if there is activi  More...