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...

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.

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

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).

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.

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...

The settings that control how this works are part of Tool #558 NSF/Overdraft Transfer Configuration , on the Overdraft Protection Activation screen. There are two flags for ANR/courtesy pay: 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  More...

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...

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...

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 Cards Payments team ( cardsandpayments@cuanswers.com ) and we’ll be happy to assist with that change.

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...

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...

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...

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...

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...

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.

If the credit union’s back office has determined that it’s ATM, debit, or credit card G/ls are ‘OUT OF BALANCE,’ they can use the reports below to assist in locating transactions which should have posted but did not post to the general ledger. The recon program documents the differences on two recon reports. The Online Reconciliation Recon to Online Match (PRCNXX1) documents the entries made in the vendor file and any entries that appear in the vendor file that are not  More...

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...

The consequences of accidentally NOT ordering a card, while inconvenient, are slightly less than the consequences of ordering a card unintentionally. That’s especially true in cases where ordering a card automatically shuts down an existing card, like when there is a second person with that card that suddenly can’t use theirs. (Depends on the vendor setup.) There are situations where CUs use the card reorder feature to change PINs only, or update expiration dates, or something else a  More...

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...

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.

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...

When a cash deposit is made at a Smart ATM, we are able to place a $ symbol within the secondary transaction description, and the BSA program uses this to identify currency. But shared branch network activity is different. Transactions via Co-Op national shared branching have the ability to include both cash and checks as part of the funds in. Adding a notation to the transaction records would be difficult at it's not a 1:1 correlation between funds in and the transaction. For that reason,   More...

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...

No. ATM transactions are not included in the debit card round-up toolkit. It is either signature-based debit card transactions or POS (pin-based) transactions.