Download 15.2 October Release Summary Draft

®
CU*BASE
Software Upgrade
CU*BASE
15.2
All Online Credit Unions
October 18, 2015
VISIONARY DRAFT:
Final Version will be
released on 9/28/15
Updated booklets  mentioned in this summary will be available on our website no later than October 16 2014. Access the CU*BASE
Reference page by selecting “I am a Client” from http://www.cuanswers.com, Docs & Information, then CU*BASE Reference. Access the It’s
Me 247 Reference page by selecting “I am a Client” from http://www.cuanswers.com, Docs & Information, then It’s Me 247 Reference.
Documentation will also be available through the “What’s New” topic in online help when you get the release. Updated online help , including
the “What’s New” summary list of all changes, will be included when you receive the release.
•
Important: If you are using the Automated Reports & Queries feature to automate Queries each month,
you’ll need to keep a close eye on file changes each time there’s a release and update any files used in
your automated Queries so they run properly. Refer to the File Changes document attached to the
announcement for this release for details.
Immediate Effect
Changes automatically take place on the day the release is implemented; no additional configuration is required.
Must be Activated
Your credit union must make a decision either to activate it or modify configuration parameters. This sometimes
requires contacting a Client Service Representative.
Team
Implementation
Work with a Client Service Representative before implementation.
May Incur a Fee
There may be a fee involved to implement this feature for your credit union, such as a one-time setup and/or a
monthly maintenance fee, or related charges from a third-party vendor.
Contents
Member Facing ...................................................................................................................................... 3
Setting the Stage for It’s Me 247 Bill Pay ....................................................................................................................... 3
“Pay My Bills” is Now “Pay & Transfer” ........................................................................................................................... 3
Mobile Web Banking Enhancements – Members Can Now Log in for the First Time Using Their Phone ...................... 3
Teller/Member Service ........................................................................................................................... 4
Log Your Cross-Sales Activity With Just One Click! ....................................................................................................... 4
Updated Timeout Window: Direct Access to Archived Images with Single Sign On to idocVault .................................. 5
R & T Number Now Displayed on Additional Transaction Information Window .............................................................. 5
“Smarter Links Between CU*BASE and Imaging Vaults” ....................................................................... 6
New Configuration to Support Multiple Vaults and Vendors ........................................................................................... 6
Other Enhancements from Imaging Solutions ................................................................................................................ 6
CEO/Management ................................................................................................................................. 7
Configurable ANR Fee Cap Allows Better Management of Member Fees ..................................................................... 7
Send Reports Direct to CU*Spy for PDF Presentation, Archival, and More ................................................................... 7
Run an Automated Report or Query on Any Day of the Month ....................................................................................... 8
New! Two New Options for Downloading Files from CU*BASE ...................................................................................... 9
Credit Union Can Now Define When ACH Debits and Credits Are Posted – Including New Mid-Day Posting Option.... 9
Credit Union Override of Effective Date for Individual ACH Company IDs ................................................................... 10
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Revised: September 4, 2015
CU*BASE 15.2 Release Summary
Meet Your New Query Best Friend – The Database Search Assistant......................................................................... 10
Additional Signer File Now Able to Join by SSN in Report Builder ............................................................................... 10
Mobile Text Banking, eNotice, and eAlert Now Can Be Counted as Services on Products and Services Dashboard .. 11
Lending/Collections ............................................................................................................................. 11
Greater Flexibility to Define the Loan Application Experience ...................................................................................... 11
Number of Available Delinquency Fine Codes Increased ............................................................................................. 12
Coming Soon in Beta: Tri-merge Credit Reports through CBCInnovis ......................................................................... 12
Enhancements to Skip Pay for Consumer Loans Including New History Dashboard ................................................... 13
Manual Update of Co-Borrower Credit Report Data Now Available.............................................................................. 13
More Collections Screens Updated to Report Delinquency in Days ............................................................................. 14
Delinquency History Added to Mortgage Statements ................................................................................................... 14
EFT ..................................................................................................................................................... 14
ATM/Debit Cards Configurable to Purge from CU*BASE for FISERV .......................................................................... 15
CU*BASE Prepared for EMV Card Identification Ahead of October 1, 2015 Liability Shift ........................................... 15
Marketing/Sales ................................................................................................................................... 16
New! Configure Cross Sales Incentives ....................................................................................................................... 16
Staff Can Track Their Own Cross-Sales Status............................................................................................................ 16
Accounting/Back Office ........................................................................................................................ 17
Fixed Asset Subsidiaries and Reports Now Include Personal Property Tax Schedule ................................................. 17
CU*BASE Budgeting (Take 2) ...................................................................................................................................... 17
Auditing ............................................................................................................................................... 18
Easily Audit Your OFAC Scans on Non-Members ........................................................................................................ 18
Special for Self Processors: Introducing CU*BASE Operator Edition ................................................... 19
Making the OPER Menus Easy to Search and Navigate .............................................................................................. 19
Logging in to CU*BASE Operator Edition ..................................................................................................................... 19
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CU*BASE 15.2 Release Summary
Member Facing
Setting the Stage for It’s Me 247 Bill Pay
By now you’ve heard about the changes coming to the way bill
payment tools and services will be implemented in the future. Read more in the Kitchen and
keep an eye on your email for announcements about the all-new It’s Me 247 Bill Pay, with
its integrated user interface and transaction processing by Payveris.
This release includes the first behind-the-scenes infrastructure changes, including
something that all members will see right away:
“Pay My Bills” is Now “Pay & Transfer”
Instead of accessing bill pay from “Pay My Bills,” members will now use the newly labeled
“Pay & Transfer” access point.
From this section, members will enroll in bill pay and access to a Single Sign-On link to
either EasyPay by iPay or EasyPay by Fiserv. (The example above shows a member who
is not enrolled).
This also provides an easy access point for members who just want to transfer money or set
up a scheduled automated funds transfer (AFT). Using the “Transfer Money” button,
members will have easy access to the It’s Me 247 transfer page.
Other navigation changes in online banking: With this longer verbiage of “Pay & Transfer,” it was
necessary to move the “Contact Us” button to the top line of the page. You will now see it next to the
“Help” button. This was previously next to the “Go Mobile” button. (In an earlier release we had
already changed the “Money Desktop” button to read “Personal Finance” instead.)
We will be updating our bill pay brochures for members to reference the new "Pay &
Transfer" button later this year to coincide with other bill pay changes. Contact Marketing
Services for more details. If you specifically reference any of these buttons mentioned in
this section, it may be time to review your marketing pieces as well.
Mobile Web Banking Enhancements – Members Can Now Log in for the First
Time Using Their Phone
With the addition of the ability to change their username, check loan rates, and even apply
for a loan online, the feature set of Mobile Web Banking has certainly expanded in the last
year. But to get started in online banking, the member still needed a computer to log into
the standard online banking to get started.
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CU*BASE 15.2 Release Summary
This all changes with the 15.2 release. Now when you start a new member at your credit
union, you can have them use their phone to complete their initial enrollment in It’s Me 247.
New Mobile Web Banking features include:
•
Change password
•
Set up or change security questions
•
Accept the Online Use Agreement
•
Accept the PIB (Personal Security Branch – if offered by your credit union)
•
Use the “I forgot my password” feature
•
View the Password Change History detail
•
Use the “Contact Us” feature to contact your credit union for assistance
While opening a membership in your lobby, why not also have your new member log into It’s Me 247
to change their password and set up their security question answers? They will automatically be
directed to mobile web banking if they select the It’s Me 247 logo while on their phone.

More information will be in the “Mobile Banking” booklet available under “M” on the It’s Me 247 Reference
Page. This booklet will be available with the release.
Teller/Member Service
Log Your Cross-Sales Activity With Just One Click!
When your tellers or MSRs talk to a member about one of your cross-sales promos, do they
use a scrap pad to jot down a note then log the
tasks later, after the member leaves? This tool
will let them log the work without missing a beat.
Activate the new Cross Sales Shortcuts and an
MSR can enter the Need Group #, Task # and
Memo Type codes for a cross-sales task directly
onto the Inquiry and Phone Operator main
screens.
This is intentionally a no-frills shortcut. There are
no lookups for these fields: just type the 3 codes
and click Log! The system will automatically fill in
the employee ID, date, and a generic block of text
for the Tracker Note. You can even log multiple
tasks, one after the other, without ever leaving
that screen.
We added the shortcut feature to the handy “last 10 accounts used” window, too. Now a
single click on Go! selects a
recently-used account, or
you can log cross-sales
activity for one or more of
the members you recently
served.
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CU*BASE 15.2 Release Summary
Activate the Cross Sales Shortcuts using the Workflow Ctrls: Teller/Mbr Svc feature on the General
Configuration 1 menu (MNCNFC).

More information will be in the “Cross Sales and Next Suggested Product” booklet available under “C” on the
CU*BASE Reference Page. This booklet will be available with the release.

Details for all related screens will be available via CU*BASE GOLD online help with the release.
Updated Timeout Window: Direct Access to Archived Images with Single Sign
On to idocVault
We’re adding yet another technique to emphasize the tight
integration between CU*BASE and our Imaging Solutions tools.
CU*BASE already has a feature to automatically log in to ProDOC, and now employees will
be able to use the CU*BASE Timeout window to jump to the document vault (idocVAULT™)
from any CU*BASE screen to view a previously-stored image.
The Timeout
window, accessed
via the Escape key
on from any
CU*BASE screen,
has been complete
redesigned and
streamlined, as
shown here.
Once you click
the new Get A
Document/Image
From Vault, a
browser will be
launched and you will automatically be logged into idocVault. No entry of username or
password is needed. Just enter your search criteria. You will only be able to view images or
documents you have permissions to view.
When an employee uses this new option, we create a basic user profile in idocVAULT. The
naming convention for this profile uses the employee’s CU*BASE username, “_cua,” and
your credit union number. (John Smith using our test library would be johns_cua860.) If
your credit union already has created profiles for an employee, you may need to adjust the
permissions of this new profile.
In-house imaging solution clients and clients with a vendor other than eDOC Innovations should
contact CU*Answers Imaging Solutions at [email protected] for assistance with this feature.
R & T Number Now Displayed on Additional Transaction Information Window
This project was implemented on July 21, 2015.
For check clearings only, the Additional Transaction Information window (accessed by
Phone Operator, then History and then Additional Transaction Information) now displays the
R & T number along with the MICR account. This information is only displayed when
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CU*BASE 15.2 Release Summary
required by the check item processing vendor and allows a credit union to view the specific
routing and transit numbers for a check transaction.

Details for all related screens will be available via CU*BASE GOLD online help with the release.
“Smarter Links Between CU*BASE and Imaging Vaults”
New Configuration to Support Multiple Vaults and Vendors
This release includes a brand-new infrastructure to control how the
and
buttons, which appear on 50+
screens throughout CU*BASE, work to access your credit union’s imaging vault. Although
most of the changes are behind the scenes, the new structure adds additional encryption
techniques for securing images as they are generated by CU*BASE.
Most importantly, this new configuration gives us greater flexibility to support the growing
number of clients with in-house vaults from multiple vendors, and vaults that do not use our
standard configurations for tables. This means your credit union, no matter how your vault
is set up, will be able to click a “View e-Document” button and CU*BASE will know exactly
how to retrieve the image from your vault.
Online CU*SPY credit unions: The new configuration changes will be implemented for
you with the release free of charge. No action is required by you to configure these
changes.
In-house imaging credit unions using CU*Answers Imaging Solutions Release
Management services: Imaging Solutions will be contacting you once the release is
implemented to make the needed configuration changes for your credit union vault
configuration. This service is free of charge.
Are you an in-house imaging credit union not using CU*Answers Imaging
Solutions Release Management Services? Contact us at [email protected]
for assistance to configure this for your credit union. A $500.00 fee will be charged for
this service. Interested in learning more about CU*Answers Imaging Solutions Release
Management? Contact us at imaging@cuanswers for more details.
Important Note: For vendors other than eDOC Innovations, additional configuration will be required.
Consult with your vendor and the Imaging Solutions team.
Other Enhancements from Imaging Solutions
We’re also excited about a few other changes from the Imaging
Solutions team:
•
Send On-Demand Reports Directly to CU*Spy: Refer to the CEO/Management
section for more details.
•
Quickly View Images In Your Vault with SSO from CU*BASE: Refer to the
Teller/Member Service section for more details.
•
Easier Way to Search Your Shared Branch Receipts: As announced in the Imaging
Solutions 2.1 Release, a change was made to receipts that makes it easy to
distinguish between receipts for your members and receipts for shared branch
members that happen to share the same account number.
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CU*BASE 15.2 Release Summary
CEO/Management
Also refer to: Updated Timeout Window Now Allows Access to View Any Archived Image
with Single Sign-On to idocVault (Teller/Member Service)
Configurable ANR Fee Cap Allows Better Management of Member Fees
We recognize that ANR/Courtesy Pay fees can be an important source of income for credit
unions. However, increased occurrences of member overdrafts, as well as increased
scrutiny from consumer groups and legislators, have put the spotlight on these and other
types of fees, causing financial institutions to search for the right balance
With this enhancement, we’ve provided an option to response to member concerns while
also protecting your important source of income, by setting daily (business day) maximums
for the amount of ANR fees that a member could potentially pay. The fee cap configurations
apply to ANR fees only and include check postings, in-house drafts, ACH, ATM/Debit
(online) transactions, and bill pay transactions. Fees waived due to the cap will be logged
for analysis in the CU*BASE Fee Income/Waiver/Refunds dashboard and report.

More information will be in the “Automated Non-Returns” booklet available under “A” on the CU*BASE
Reference Page. This booklet will be available with the release.

Details for all related screens will be available via CU*BASE GOLD online help with the release.
Send Reports Direct to CU*Spy for PDF Presentation, Archival, and More
CEOs have been asking for a way to create PDFs of standard
reports on the fly, instead of printing them directly to a printer.
One of the main reasons was to include these reports in Board packets. With this release
we are introducing an ingenious solution using software everyone is already used to, namely
CU*Spy.
Once the 15.2 release is implemented, you will be able to choose INSTANTxx (where xx is
your credit union CUID) as the printer name when printing any CU*BASE report. When the
report is generated it will be sent directly to the new INSTANT OUTQ.
CU*Spy will regularly monitor for reports sent to this queue and within a few minutes, you’ll
see the report under the “Instant Reports” tab in CU*Spy, as shown below. It will be indexed
with the name of the report.
NOTE: This feature is currently only available with the CU*Spy online vault.
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CU*BASE 15.2 Release Summary
Beyond the obvious benefits included in the PDF format, this solution also allows you to use
other CU*Spy features, such as the ability to search reports, combine reports, and add
notes. Plus, at end of day these reports will all be archived for future use!
A word of caution: since the reports are archived, be aware that a heavy use of this feature will
result in a large amount of data being saved to the archive and to CD. So if you just want to take
a quick look at a report and not store it long term, use the HOLDxx OUTQ as usual instead.

Details for all related screens will be available via CU*BASE GOLD online help with the release.
Run an Automated Report or Query on Any Day of the Month
Currently, you can use the Report and Query Scheduler to run reports and Queries
automatically after beginning-of-day (BOD) on the first of the month. Credit unions like this
feature so much that they have asked for a way to schedule reports on a different day of the
month, such as after the general ledger has been closed for the month
The 15.2 release allows you schedule a report or query to run on any day of the month, and
also lets you run reports on current data!
We are not adding a daily frequency. When you schedule a report using the monthly frequency (and
when you schedule a Query), the CU*BASE screens will now ask for the day of the month (01-31). If
you want to run a report two times during the month, such as once on the first and again on the 20th, ,
you’ll create two automation records, one for day 01 and one for day 20.
If either of these days falls on a day when BOD is not run, such as a Sunday, the job will run on the
next business day. (This is currently how the scheduler works, and this process will not change.)
When the release is implemented, all monthly scheduled reports and Queries will be set to
run on the first day of the month.
To schedule a report, use Save Settings (F24) from any report with this feature. For a listing
of these reports, refer to the “Automated Reports and Queries” booklet. Reports and
Queries can also be scheduled via the “Report Automation Tools” section of the
Configuration Functions (MNCNFX) menu. The listings of reports and Queries in this
section will now document the day of the month selected in the automation record.

More information will be in the “Automated Reports and Queries” booklet available under “A” on the CU*BASE
Reference Page. This booklet will be available with the release.

Details for all related screens will be available via CU*BASE GOLD online help with the release.
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CU*BASE 15.2 Release Summary
New! Two New Options for Downloading Files from CU*BASE
If you’ve ever had to download files from
CU*BASE, you may have thought, “I wish there
was an easier way to do this!” By popular
demand, we’re adding two new ways of
downloading files to your computer with Data On
The Move.
You will now be able to download files from
CU*BASE to our Data On the Move server, and
from there you can either use a web browser
(best for small files) or secure FTP client (best for
large files) to complete the file transfer. Both
feature a simple drag and drop system for
moving files to your PC.
For those of you more comfortable with the existing Client Access tool, no need to worry—
that feature will still be available in CU*BASE.
NOTE: Even if you currently have file download authority today, you will need to fill out a new form to
request access to the Data On The Move file download options. The form will be available on the
CU*Answers Reference Page.

More information will be in the “File Downloads” booklet available under “F” on the CU*BASE Reference Page.
This booklet will be available with the release.

Details for all related screens will be available via CU*BASE GOLD online help with the release.
Credit Union Can Now Define When ACH Debits and Credits Are Posted –
Including New Mid-Day Posting Option
Currently, credit unions generally post ACH credits very early in the morning, and then post
debits in the evening. With the new ACH Posting Controls configuration on the General
Configuration 1 (MNCNFC) menu, you can now choose when your ACH transactions are
processed.
For our online clients, we are also planning to expand the number of times per day that we
pick up files from the Fed, including a new mid-day pull to occur at approximately 1:15 p.m.
ET. If you wish, you can elect to post transactions (credits, debits or both) after this mid-day
file is received, or wait and have them posted as usual during the evening.
NOTE: Whether you elect to post at mid-day or not, you will see additional PACHD reports
being generated whenever a new file is pulled in, similar to what sometimes happens now
after a holiday when there are additional files generated by the Fed.
CAUTION: Think carefully before making a change to your configuration. Posting debits in the
morning can increase the number of exceptions and alter the timing for your daily ACH work. Read
more about these cautions in the CU*BASE online help. Refer to the Posting ACH Debits Credits –
Important Considerations (Index Keywords: Posting ACH).

Details for all related screens will be available via CU*BASE GOLD online help with the release.
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CU*BASE 15.2 Release Summary
Credit Union Override of Effective Date for Individual ACH Company IDs
As part of the restructuring of the posting of ACH debits and credits, your credit union will
now be able override, for individual ACH Company IDs, the effective date restrictions that
control when incoming credits can be posted. This allows you to automatically force-post
ACH deposits prior to when they would normally hit the members’ accounts, as a special
service for certain companies. For example, you might use this with a SEG so that Friday’s
payroll transactions are automatically posted immediately when the transactions arrive in
Thursday’s ACH file.
This optional feature must first be activated via the new ACH Posting Controls. Then you’ll need to
set a new flag for each individual company ID to which the override should apply.

Details for all related screens will be available via CU*BASE GOLD online help with the release.
Meet Your New Query Best Friend – The Database Search Assistant
Have you ever tried to create a custom report in Report Builder, but just couldn’t put your
finger on which file would best serve your purpose? As announced during the Data
Investment Symposium in
February, with this release
we’re pleased to present a
brand-new Database
Search Assistant, available
on the CU*BASE Report
Builder 1 (MNQURY) menu.
Like the current tool, the
new Assistant helps you
scan for the database tables
(files) and columns (fields)
that make up the CU*BASE
data. But now you’ll see
more details about what this
data is and how it’s used.
This improvement is about
making your data easier to
access, understand, and
utilize to get exactly what you need out of Report Builder and your CU*BASE data.
Note: The table (file) and column (field) details are a continuing work in process, and we’d
love your feedback on places where additional explanations would be helpful in
understanding how your data is organized. Contact a CSR with your ideas!

Details for all related screens will be available via CU*BASE GOLD online help with the release.
Additional Signer File Now Able to Join by SSN in Report Builder
When you want to get specific data from specific fields contained in specific files,
Query/Report Builder can be a great tool to quickly add, match, and sort the information you
need. Previously, the Additional Signer files (ADSL and ADSA) contained an alphanumeric
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CU*BASE 15.2 Release Summary
SSN; with this enhancement, we’ve made the SSN field numeric to easily join with
Membership or Non-Member files to get just the data you want, without the extra steps.
Mobile Text Banking, eNotice, and eAlert Now Can Be Counted as Services on
Products and Services Dashboard
Now you can include text banking, eNotices and eAlerts in your Products Per Member
(PPM) and Services Per Member (SPM) calculations. PPM and SPM statistics appear on
the Products and Services dashboard, accessed via Products & Services Per Member on
the “Know Your Member” Analysis Tools (MNMGMA) menu.
When the release goes in these services will not count toward the SPM and AVG SPM figures. To
include them you’ll need to adjust your configuration via the Configure Products/Services Per Member
Calculations screen in the Tiered Services configuration (accessed on the General Configuration 2
(MNCNFD) menu).

Details for all related screens will be available via CU*BASE GOLD online help with the release.
Lending/Collections
Also refer to: Updated Timeout Window Now Allows Access to View Any Archived Image
with Single Sign-On to idocVault (Teller/Member Service), Run an Automated Query or
Report on Any Day of the Month (CEO/Management), and Meet Your New Query Best
Friend – The Database Search Assistant (CEO/Management).
Greater Flexibility to Define the Loan Application Experience
With this release we are adding several different types of configurable
controls that will allow a credit union to further define the experience for a
loan officer working member applications, even according to the type of loan being worked
in the queue.
Loan Workflow Controls Expansion
There are several configuration settings your loan team can use to control how loan
applications work for your teams. With this release we’ve moved all of these to the Loan
Workflow/App Check Config on the Loan Products (MNCNFB) menu, so online credit
unions can make adjustments without having to contact a CSR. Read more about these in
the CU*BASE online help and the “Configuring Tools for Your Loan Team” booklet.
Loan App Workflow Styles: Control What CU*BASE Screens Are Required in the Loan
Application
A normal CU*BASE loan application has 10 different screens, but not all
of them are critical for every type of loan. The new “Loan App Workflow
Styles” controls the automatic forward momentum through the CU*BASE Loan Application
screens, bypassing pages that are not required by the particular loan product (such as
skipping over the employment, income, and assets screens for a CD-secured loan).
Instead of this:
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CU*BASE 15.2 Release Summary
A loan officer could see this:
Start by configuring workflow styles via Loan Workflow/App Check Config on the Loan
Products (MNCNFB) menu, then attach the appropriate style to your loan products via Loan
Product Config on the Loan Products (MNCNFB) menu.

More information will be in the “Configuring Tools for Your Loan Team” booklet available under “L” on the
CU*BASE Reference Page. This booklet will be available with the release.

Details for all related screens will be available via CU*BASE GOLD online help with the release.
Number of Available Delinquency Fine Codes Increased
Delinquency fine codes (configured using Loan Fines Configuration, located on the
Collections Configuration (MNCNFF) menu) are attached to the loan account and are used
to determine when and how fines should be assessed should the loan become delinquent.
With the code being a one character field, currently credit unions can configure nine loan
delinquency fines.
With this release, we are changing the Delinquency fine code field to be alphanumeric so
you can configure more codes as needed (more than 1,200 possible combinations!). This
change will also accommodate credit unions who are merging in new partners who have
existing fine configurations they don’t want to lose.
This enhancement speaks again to the architecture planning done to support future growth of our
CUSO. While this may seem like a minor change, it is in fact one of the larger efforts of this release,
impacting hundreds of CU*BASE programs. Even if you don’t need to create any new codes right
now, we need everyone to pay close attention to delinquency activity during the first few weeks after
the release!

Details for all related screens will be available via CU*BASE GOLD online help with the release.
Coming Soon in Beta: Tri-merge Credit Reports through CBCInnovis
With this release we now support a new credit score pull type: Tri-Merge
Credit Reports through CBCInnovis. Using this feature, credit unions
can combine data from several credit report pulls into one average merged score. (This
score is generally used for mortgage loans.)
Interested credit unions will need a relationship with CBCInnovis to handle this processing.
Contact Lender*VP at [email protected] for assistance and configuration.

Details for all related screens will be available via CU*BASE GOLD online help with the release.
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CU*BASE 15.2 Release Summary
Enhancements to Skip Pay for Consumer Loans Including New History
Dashboard
Back in November 2014, we added the much anticipated Skip Pay for consumer loans with
the promise of adding enhancements with a second phase. After getting some feedback,
we’re happy to roll out some new features for configuring and managing your skip pay
programs.
New Skip Payment History Inquiry and Report Enhancements
Available from the Collection Processing (MNCOLL) menu, the Skip-Pay History Dashboard
gives you a powerful tool for slicing and dicing your skip payment programs to determine
how successful they’ve been, and when and where it’s being used the most.
In addition to being a detailed analysis tool, supplemented by Common Bonds, results can
also be used for Member Connect, making it an effective marketing tool. And more filters
have been added to the existing report to help you pull out the data you need.
Configuration and Enrollment Changes
You can now exclude members if an AFT, ACH distribution, or payroll distribution exists on
the loan, and exclude loans if the current balance is less than the configured amount,
preventing skip payments on loans almost ready to pay off.
We’ve also added the ability to optionally allow opt-in through Phone Operator, and added
view-only access to the skip pay program configurations via the Sales Tools feature in
Account Inquiry and Phone Operator.
More specific warning messages are given in CU*BASE when a member is not eligible for a
skip pay program, making it easier to understand and communicate that to the member.

More information will be in the “Skip Pay for Consumer Loans” booklet available under “S” on the CU*BASE
Reference Page. This booklet will be available with the release.

Details for all related screens will be available via CU*BASE GOLD online help with the release.
Manual Update of Co-Borrower Credit Report Data Now Available
Credit unions currently use the Credit bureau link selection off of Miscellaneous Loan
Maintenance on the Lending Functions (MNLOAN) menu to update the primary’s credit
report information, but there is no way to manually update the information of a co-signer on
a loan.
With the 15.2 release, you can use the Additional Signers selection via Miscellaneous
Loan Maintenance on the Lending Functions (MNLOAN) menu and select the co-signer to
update this person’s data as well. Upon entry the fields will be view only. Use Continue
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CU*BASE 15.2 Release Summary
(Enter) to allow input in the Report date, Bureau, RISK score, and MDS score fields. Don’t
forget to use the Update (F5) button to save your changes!

Details for all related screens will be available via CU*BASE GOLD online help with the release.
More Collections Screens Updated to Report Delinquency in Days
There will now be more places in CU*BASE where delinquency is shown as a total # of
days, based on updated NCUAs requirements for reporting loan delinquency. Included in
this release are the following updated collections screens:
Screen
Access Point
Change on Screen
Work Collections
entry screen
Work Collections on the
Collections Processing
(MNCOLL) menu
Filter in the delinquency section
changed to “actual days”
The subsequent
dashboard listing
Above, then Enter
Shows the delinquency in days with a
header of “Actual Days”
Collections
Summary
Dashboard
Collections Dashboard on the
Collections Processing
(MNCOLL) menu
Shows the date ranges in days instead
of months.
Member
Delinquency Inquiry
Member Delinquency Inquiry on
the Member Inquiry Functions
(MNINQY) menu
No longer has both Months and Days
delinquent columns, but instead only a
Days Delinquent column.

Details for all related screens will be available via CU*BASE GOLD online help with the release.
Delinquency History Added to Mortgage Statements
This was implemented in August and is effective with the September 17th mortgage
statements.
This Mortgage Statement change was implemented to remain in compliance with the
delinquency portion of the Reg Z requirements. If a mortgage loan is more than 45 days
past due, a new section containing delinquency information will appear at the end of the
mortgage statement. The due date and unpaid balance for up to five prior periods will
display. If the delinquency history section does not fit on the first page, then it will display
on a second page.
NOTE: The unpaid balance is the overdue payment amount as of the statement date. Prior periods
will only display if the overdue payment amount was greater than zero when the statement
generated. Once the overdue payment is zero, the loan is considered paid-to-date.

More information will be in the “Periodic Mortgage Statements” booklet available under “S” on the CU*BASE
Reference Page. This booklet will be available with the release.

Details for all related screens will be available via CU*BASE GOLD online help with the release.
EFT
Also refer to: Updated Timeout Window Allows Access to Archived Images with Single SignOn to idocVault (Teller/Member Service), Run an Automated Report or Query on Any Day
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CU*BASE 15.2 Release Summary
of the Month (CEO/Management), and Meet Your New Query Best Friend – The Database
Search Assistant (CEO/Management).
ATM/Debit Cards Configurable to Purge from CU*BASE for FISERV
In the world of ATM/Debit cards, two distinct databases exist; the CU*BASE database of
plastics (the PANCARD file) and the vendor database. Though we make every effort for
those databases to mirror each other, nearly every EFT vendor that CU*Answers partners
with engages internal rules and specifications for closed or inactive cards that differ from the
CU*BASE card record retention practices, causing cards to remain on file. Due to this,
vendors held older cards, and credit unions continued to pay for them to remain in the
database.
Years ago CU*BASE would periodically purge these cards. However with changing
regulations and internal processes improving, this practice was put on hold and CU*BASE
continued to retain all cards in the PANCARD file indefinitely, regardless of status.
With this project, CU*BASE will re-implement a monthly ATM/Debit card purge process. This
applies to Fiserv clients only at the time but will be implemented gradually for all vendors.
You will, however, see the framework on your Vendor Features and Credit Union Features
screens, regardless of vendor.
After you set your parameters for how long a card should be held without being used, or
how long a closed card should remain on file, CU*BASE will automatically review the
PANCARD file each month and create a purge record to delete the card from CU*BASE, as
well as send a deletion request to the vendor, saving you time and money!
You’re able to review your purged cards via the maintenance report, as well as a monthly
archived file in your FILEXX library containing the purge records.

Details for all related screens will be available via CU*BASE GOLD online help with the release.
CU*BASE Prepared for EMV Card Identification Ahead of October 1, 2015
Liability Shift
As the October 1, 2015 merchant liability shift is starting to gain the
attention of the media, and more retailers are upgrading terminals to
accept chip cards, financial institutions and vendors are also beginning to plan for their EMV
switches.
Although no regulation deadlines have been released to indicate exactly when credit unions
must begin issuing chip cards exclusively, some CU*BASE credit unions have scheduled
their conversions to begin issuing these chip cards as their current magnetic stripe cards
expire, or have requested to perform mass reissues to only chip cards. To assist with credit
unions who have started this process, CU*BASE now can identify ATM, Debit, and Credit
card BINs as EMV, magnetic stripe, contactless, or combination within your BIN
configurations.
After you’ve made the appropriate changes with your vendor and the EFT team, simply
update your BIN on CU*BASE with the correct flag, and we will begin sending the chip card
indicators to your vendor(s). This piece of information, along with other information your
vendor may apply, is the first and, in some vendor’s cases, only step needed to issue a chip
card.
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CU*BASE 15.2 Release Summary
As more information is filtered from Visa and MasterCard, the SettleMINT EFT team will
keep you updated with continued newsletters and notifications. Contact the SettleMINT EFT
team to reserve a spot for your EMV transition on their 2016 Calendar, now booking into Q4!

Details for all related screens will be available via CU*BASE GOLD online help with the release.
Read the latest EMV Newsletter (August) for more information on specific vendor plans.
Marketing/Sales
Also refer to: Updated Timeout Window Allows Access to Archived Images with Single SignOn to idocVault (Teller/Member Service), Run an Automated Report or Query on Any Day
of the Month (CEO/Management), Meet Your New Query Best Friend – The Database
Search Assistant (CEO/Management).
New! Configure Cross Sales Incentives
The new Cross Sales Analysis dashboard introduced with the 15.0 release in April allows
your credit union to calculate incentive amounts for their employees, using any combination
of Cross Sales Need Group and Task # (identifying the task) and Sales Tracker Memo Type
(identifying the action taken). This is great for what-if calculations with different incentive
amounts, or for employees wanting to see a progress report toward their monthly goals.
The one piece that was missing from that initial version of the dashboard was a way to
configure standard incentive amounts for the dashboard to use. To accomplish this, we
added a new Configure Cross Sales Incentives option available in the Member Tracker
Tools (MNTRAK) menu where you can create incentives tied to a memo type (e.g.
Approved), Need Group (e.g. Electronic Services), and Tasks (e.g. Bill Pay Enrollment).
Once the matrix has been configured the Cross Sales Analysis dashboard will automatically
include those incentive amounts in the calculation. The dashboard will retain the ability to
temporarily override the configured incentive amount, so managers can still perform “what if”
experiments without having to change the configuration itself.
Staff Can Track Their Own Cross-Sales Status
We’ve also included a separate version of the Cross Sales Analysis dashboard that will
automatically filter to show only the employee’s own activity as a motivational tool for
employees to watch their progress towards their monthly incentive payments, without being
able to see what incentives their team members are earning. The My Cross Sales Status
option will be available on the CU*BASE Main Menu (MNMAST) as well as on the Member
Tracker Tools menu (MNTRAK).
IMPORTANT: If your credit union is still running multiple copies of the Cross Sales report every month,
make sure to check out the new dashboard! Employees can track their own usage and report any
inconsistencies right away, so you can make the necessary adjustments without having to tie up the
system printing reports over and over.

More information will be in the “Cross Sales and Next Suggested Product” booklet available under “C” on the
CU*BASE Reference Page. This booklet will be available with the release.

Details for all related screens will be available via CU*BASE GOLD online help with the release.
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CU*BASE 15.2 Release Summary
Accounting/Back Office
Also refer to: Updated Timeout Window Allows Access to Archived Images with Single SignOn to idocVault (Teller/Member Service), Run Automated Reports and Querys on Any Day
of the Month (CEO/Management), Meet Your New Query Best Friend – The Database
Search Assistant (CEO/Management).
Fixed Asset Subsidiaries and Reports Now Include Personal Property Tax
Schedule
When creating or maintaining a Fixed Asset Subsidiary, CU*BASE now has a field to enter
the Personal Property Tax ID. This ID is required when filing the annual property tax
paperwork on your fixed assets.
You can also use this field when creating a query in Report Builder, as well as using the
Print Subsidiary TB Detail option in the Subsidiaries (MNGLFA) menu to create a detailed
report of all fixed assets assigned to a specific ID, or to sort all fixed assets that include a
range of Personal Property Tax Schedule IDs.
To give greater freedom in completing your tax paperwork, you can then export your report
into Excel for further use as needed.

Details for all related screens will be available via CU*BASE GOLD online help with the release.
CU*BASE Budgeting (Take 2)
Last fall’s rewrite of the CU*BASE Budget tools was quite a learning experience, and our
teams have been hard at work all year preparing for take 2. This year’s projects included
streamlining the new tools to remove some of the complexity as well as adding “show the
math” features that should make the standard budgeting process easier to understand.
Later in the year we will also be introducing new tools that let you model the connection
between your member savings and loans portfolios and your income statement. To learn
more about what’s coming and how the tools will be rolled out over the next couple of
months, sign up for the special web conference sessions to be held every Friday in October:
Budgeting Web Conference Sessions hosted by Randy Karnes
Fridays from 2:30p – 4:00p ET (click to register)
Friday, October 2
Friday, October 9
Friday, October 16
Friday, October 23
Friday, October 30

Understanding how to prepare your G/L chart of accounts and
budgeting configurations
A deep dive on the tools and data that prepare you with a set of
key assumptions based on where you’ve been
A deep dive on the Work with CU Budget – everything but
modeling
A deep dive on where CU*BASE is with modeling assets and
liabilities to generate the offsetting income and expenses from
member accounts
Analyzing the tools for printing and presenting budget variances
and understanding how projected assets and liabilities vs.
actual performance can be understood
More information will be in the “Budgeting with CU*BASE” booklet available under “B” on the CU*BASE
Reference Page. This booklet will be updated with the release.
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CU*BASE 15.2 Release Summary
Auditing
Also refer to: Updated Timeout Window Now Allows Access to View Any Archived Image
with Single Sign-On to idocVault (Teller/Member Service) and Run Automated Reports and
Queries on Any Day of the Month (CEO/Management)
Easily Audit Your OFAC Scans on Non-Members
Credit unions have asked for an easier way to show auditors that OFAC
scans have been run OFAC on co-borrowers who are not members. Until
this release there was no simple way to audit this other than running a Query on the
OFACNOTE file.
The new View History of OFAC Scans feature on the Auditing Functions 1 (MNAUDT) menu
shows scans run on non-members for the last eighteen months, the range most commonly
asked for by auditors, although you can choose any range you like. You can also look for a
name, a SSN, or scan status. For example, this search would find failed OFAC scans for
John Member or Mary Johnson:
NOTE: This history dashboard runs includes a LOT of data, so be patient as the list populates!

More information will be in the “Using the CU*BASE Data Match System for OFAC Compliance” booklet
available under “O” on the CU*BASE Reference Page. This booklet will be available with the release.

Details for all related screens will be available via CU*BASE GOLD online help with the release.
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CU*BASE 15.2 Release Summary
Special for Self Processors: Introducing CU*BASE Operator Edition
Introducing a new edition of CU*BASE designed especially for our self
processing partners and their daily operations teams. CU*BASE Operator
Edition provides a unique user interface for the tools a data processing
center operator uses every day, from receiving and posting transmissions
from third party vendors to managing your nightly and monthly processing
cycles.
Making the OPER Menus Easy to Search and Navigate
In addition to the new look and
feel, a redesigned menu
reduces the learning curve for
new operators:
•
New Search Tools –
Enter a word into the
Search box and
Operator Edition will
show you all OPER
menus where that word
appears.
•
Easier Navigation –
Eliminate extra steps
from your run sheets
with new navigation
shortcuts. Jump directly
to any menu by clicking
the name in the list.
•
Seamless Integration with CU*BASE GOLD – Buttons on every menu let you jump
quickly back and forth between CU*BASE GOLD and CU*BASE Operator Edition.

Details for all related screens will be available via CU*BASE GOLD online help with the release.
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