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1.
Why on an ATM or Debit card do I need to flag a member's card as "hot" and also close the same card in order to close the linked account or close the membership?
When a credit union statuses a member's card as 'HOT' or warm (Lost/Stolen/Fraud/Restricted), this information is transmitted immediately to your vendor to stop any further withdrawals/purchases being performed with that particular card. But at your vendor a 'Hot Card' is not considered to be a closed card. When your member's card remains at a HOT or Warm card status on CU*BASE, CU*BASE is still required to send any maintenance updates such as address change, phone numbe More...
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2.
Why doesn’t my account include the ODP balance when performing an ATM Inquiry on my account? Our configuration is configured to include ODP for PIN and SIG authorizations.
Per REG DD the ODP, LOC or other funds available in another account cannot be displayed when a balance inquiry is initiated. The ATM inquiries and resulting balances on ATM receipts will still show the member’s real, actual balance for just the specific account being viewed. If there is a negative balance on the account being viewed, CU*Answers will not send a negative balance so the balance will show as zero.
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3.
If we "hot card" a debit card on CU*BASE, do both the ATM and debit card portions of the card get updated?
Per CO-OP, both the ATM side with CO-OP and the debit card side with EFUNDS gets updated with the hot card status. Service Center SC24 Coop
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4.
How does 7-day processing affect the releasing of uncollected funds holds (including ATM deposit holds)?
Seven-day back-office processing has no effect on the releasing of uncollected holds, including ATM deposit holds. If your credit union has set up holds to calculate based on business days, then release dates for these types of holds are calculated based on the configured credit union business days (the days the credit union branches are open).
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5.
What choices do I have for controlling whether or not my ANR negative balance limits are used when authorizing and paying debit card and ATM transactions?
The settings that control how this works are part of Tool 558 NSF/Overdraft Transfer Configuration, on the Overdraft Protection Activation screen. There are four flags: Use Negative Balance Limits for Authorizations and Use Negative Balance Limits for Posting. They control whether the member's ANR limit is added when determining the available balance amount. There are four different combinations of these flags: Authorization Flag Posting Flag Description of Result N N Negative bala More...
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6.
How can I prevent the large ATM report from printing automatically each morning?
View your DAILYxx output queue and put the report on hold. Then attach your printer to the DAILYxx OUTQ and the system will print only those reports on a RDY (ready) status. All reports in the DAILYxx OUTQ will route in the evening according to the OUTQ routing screen.
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7.
My ATM/DEBIT switch is CO-OP. What does the "MSG TYPE" values mean on my LC01TXN report?
The MSG TYPE values describe types of 'authorizations' and 'transactions' processed through the CO-OP network. Authorizations: (100 110 120 130) For PIN Authorizations there is no hold on the member's funds. However, Signature Authorizations place a hold, CU*BASE shows this as a debit authorization comment in OTB processing. In either case this transaction is not posted to the members account. This is just a POS (point of sale) authorization for the merchant. It could be e More...
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8.
When looking at the ATM/Debit or Credit Card Activity screen, what does the indicator in the Type and Transaction Description mean?
The fields are related to Process Codes, in that they are derived from the code attached to the message received from the plastics processor (vendor, or switch). The Type you see in the initial Type column of the Activity screen relates directly to the Transaction Description when you view additional transaction details. Transaction types may not apply to all vendors. Examples of these labels are as follows: DEP (Deposit Transactions) ATM/DEP A deposit made at an ATM. ATM/DEP - including a $ More...
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9.
My member posted a transaction at an ATM but it didn’t appear immediately on her account history. What’s happening?
ATM transaction posting can sometimes be delayed when the transaction queue gets backed up due to unusually busy traffic. It can take a few minutes longer than usual to post all waiting transactions, and this could result in a delay in when the transaction appears on the member’s account. This might open up a very short window during which it might appear that the funds already taken are still available. It’s primarily a timing thing, based on the volume of activity being received at More...
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10.
What’s the best way to monitor cash in my supplemental vaults (like TCD/TCRs, ATM, etc.)?
Tools for Tracking ATM/ITM/TCD/TCR/Supplemental Vault Balances Although CU*BASE will store the balance of each ATM, ITM, TCD, TCR, or Supplemental Vault as an individual GL account, this is often not a balance that reflects the most up to date information based on member activity. This is because there are daily operations (posting of ATM transactions, member activity, etc.) that do not update the GL balance until EOD. Therefore we would suggest that each ATM/ITM/TCD/TCR/Supplemental Vault b More...
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11.
My branch lobby is temporarily closed, so I’d like to increase the daily ATM/debit card limits for my members, so they don’t need to stop at an ATM as often. How do I do that?
First, use Tool #146 ATM/Dbt/Crdt: BIN Config Inquiry to review what your current limits are. Then, if you would like to change those limits, contact the SettleMINT team ( SettleMINEFT@cuanswers.com ) and we’ll be happy to assist with that change.
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12.
How does the plastics denial of service fraud block list work? Is the employee blocked from opening an ATM, debit, or credit card for the member?
If an employee attempts to order an ATM, debit or credit card for a membership with a SSN/TIN that appears on the plastic orders denial of service block list, an employee cannot order the card. If the employee tries to order a card (via ATM/Debit Card Maintenance (Tool #11) or Update/Order Online Credit Cards (Tool #12), during the membership open process), or when creating a credit card loan, or when adding an OTB credit cards (via Member Inquiry (F1), then OTB/Cards (F17)), they will see mess More...
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13.
What is stand-in processing?
Simply put, it is a way for your members to continue using interactive services such as audio response and online banking, ATM/debit cards, and online credit cards for their financial needs, even while CU*BASE is off line for normal daily or monthly processing. CU*BASE uses a special style of stand-in processing that allows for continued use of CU*TALK audio response and It's Me 247 online banking services even during the night when we perform end-of-day and end-of-month processing. Refe More...
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14.
What do the symbols mean in the transaction description of my ATM/debit and credit (EFT) transactions?
When you see one of the following symbols ($, *, #) in the 8th position of the transaction description of your EFT transaction, that indicates that the transaction was processed as a special type. You can view the transaction description either in the member transaction inquiry (account history) or via ATM/Dbt/Crdt inquiry and maintenance tools. As an example, the transaction description for a recurring debit withdrawal transaction will begin with: DBT/WDR* * indicates that the transaction was More...
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15.
How does CU*BASE handle Plastic reissues for my ATM/Debit/Credit card products?
CU*BASE does not perform any automated card reissues for any credit union or vendor. With the exception of two platforms*, all plastic card reissues are done for the credit union by their vendor. The normal process is the vendor sends the CU a couple of reports once monthly (usually 6 weeks out from expiration of card). One is a reissue report, the other a non-reissue report. The CU reviews and makes changes to the vendor system prior to their cutoff date for ordering the reissues. All cards More...
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16.
When looking at the ATM/Debit Activity screen, what is the Process Code and how does it affect how member's transaction is being processed on CU*BASE?
The Process Code or PROC CODE on this screen refers to which accounts CU*BASE is going to look at to see if we can authorize the transaction or which account we are going to process against when the vendor is sending a completion. It is a 6 digit field and is broken down into 3 sections to determine how CU*BASE should process the transaction. First is an explanation of how this 6 digit code is broken down and what each segment refers to: OO FF TT in this example the first two digits would More...
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17.
What are all the possible messages that will appear during the closed account/membership process?
At the Membership Level we first check to ensure that there are no OTB relationships (Could be an OTB Card or OTB Account). One the following messages may appear (the following are all hard stops, meaning the account cannot be closed until these are taken care of): Membership attached to CRDT type OTB account Membership attached to LOAN type OTB account Membership attached to SAVE type OTB account We will also check to ensure that no batch/online cards are attached to the membership. One of the More...
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18.
A member did not get either an October or November statement, but his December statement showed a range of 12/1 to 12/31, not 10/1 to 12/31 as I would have expected. Can you explain?
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...
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19.
How does CU*BASE process check holds?
In the teller system, you can configure exactly how check holds should be calculated, including default hold days as well as calculated hold days by check R T or amount. In both teller posting and ATM processing, CU*BASE also allows an Electronic Hold configuration that can be used in conjunction with a Member in Good Standing configuration. Different levels of hold times can be configured based on the 'Member in Good Standing' and also within the Tiered Scoring feature. Using these C More...
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20.
Why are card PANs masked in the Plastics/OTB inquiry?
Our policy is to adhere to PCI Data Security Standard/Security Audit Procedures mandates (these are the rules from Visa about how ATM, Debit, and Credit Card information is protected) which read as follows: 3.3 Mask PAN when displayed (the first six and last four digits are the maximum number of digits to be displayed). Note: This requirement does not apply to employees and other parties with a specific need to see the full PAN; nor does the requirement supersede stricter requirements in More...
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21.
We have a member that changed her last name quite a while back. She just received her reissued debit card, and it was issued with her former last name. Why wasn't this information sent to our debit card vendor in the daily maintenance file?
Changing the member's name via Tool #15 Update Membership Information does not automatically change the member's name in the PLASTICS file. You would need to access Tool #11 ATM Debit Card Maintenance , highlight the member's card, and select Reorder Card/PIN. You will then be able to change the member's name and order them a debit card with the correct name information. Before selecting Add/Update, make sure you only select Order Card, and deselect the Order PIN and More...
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22.
Can I block a member from being able to make ATM deposits or withdrawals?
Yes, this can be done at the individual card level as follows: Launch Tool #11 ATM/Debit Card Maintenance Select the active card in the list and choose the Maintenance option Uncheck the Deposits allowed and/or Withdrawals allowed checkboxes Use Enter to save your changes Simply repeat the process to put the checkmark(s) back on when you want those services to resume.
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23.
Can we pull credit reports for member service products such as debit cards, checking accounts, membership requests?
Yes. You can pull a credit report for any service using the online credit bureau process. Using Tool #53 Process Member Applications, use action code CR to pull the report without creating a loan request and application. We can then create Member Services denial notices for debit cards, checking accounts, ATM cards, etc.
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24.
If a member Opts Out under the Reg. E rules, and they currently have a negative balance limit under my ANR program, will transactions still post to a negative balance without charging a fee? If so, do we need to go in and manually remove the negative balance limit for members until they Opt In?
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...
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25.
My member has elected to opt out of receiving overdraft services via the Reg E opt out flag. Will that member be charged NSF fees on a PIN ATM/Debit (13) or Debit Card Signature (16) transaction?
Credit Union ABC has activated the Reg E opt in/opt out feature and has configured a NSF fee. John Smith, a member of ABC Credit Union, has elected to opt out of receiving overdraft services. John will not be charged an NSF fee on one-time PIN ATM Debit (13) and Debit Signature (16) transactions. John will be charged an NSF fee on any recurring PIN ATM Debit (13) and Debit Signature (16) transactions, which are not covered by the member's Reg E opt in/opt out setting.
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