CU*BASE is an independent and wholly-owned data processing software product, supported and maintained by CU*Answers. CU*BASE operates using the IBM i® server platform with TCP/IP connectivity, supporting a variety of LAN/WAN networking solutions.

General

• Comprehensive education, online help and reference tools direct to the employee’s desktop via the CU*Answers network
• Integrated shared branching options for disaster recovery and expanding member service without brick and mortar
• Flexible, robust configuration options for savings, certificates and loans
• Laser printing options including a complete line of user-defined laser forms: certificate forms, member notices, TIC disclosures and other new account forms, loan and member service denial notices, loan application and officer worksheet, available custom forms programming
• CU control of employee access to Tools
• Expansive selection of customer relationship management features, from analysis dashboards to member marketing tools

Member Services / Front Line

• Teller Cash Dispenser/Recycler integration (supported TCDs/TCRs)
• Automated funds transfer and check transfers
• Phone software with configurable phone transfer fees
• “New Member” alert comments
• Savings bond redemption tracking
• Safe deposit box tracking
• Laser-printed member starter checks
• IRA beneficiary and payout tracking; automated payout transfers

Lending

• Online credit reports retrieval and storage
• Participation loans tracking
• Complete centralized underwriting system
• Risk-based loan pricing and delinquency analysis tools
• Tools to streamline the loan application process: auto-populated loan applications from the Household database, debt information from on-line credit reports
• Tiered rates based on loan balance
• Collateral title and property tax tracking
• Configurable collections parameters and delinquency analysis tools; online collections monitoring system
• Flexible interest and payment calculation options for business loans, mortgage loans, interest payment only; variable rate and indexed controls
• Lease loan tools
• Indirect (dealer) lending tracking
• Pre-membership loan applications
• LOC disbursement checks
• Online tracking of written-off loans

Accounting / Back Office

• CU*Spy online retrieval of reports (90 days) and statements (12 months); CU*Spy CD-ROM archival of reports and statements
• Online inquires for easy accrual verification, daily G/L balancing
• Integrated OTB system for online tracking of “off-trial balance” credit cards, loans and savings accounts; automated uploads/downloads with third-party vendors
• CASS certification of member addresses
• Regulatory compliance tools: AIRES downloads, FIDM and OFAC data match systems
• Investment and subsidiary (fixed assets, prepaids, accrued expenses) tracking systems
• Budget creation, analysis and tracking
• Automated check reconciliation
• Loan classification tracking for planning reserves
• Accounts payable tracking
• Streamlined back office monitoring tools: ACH, payroll, share drafts, ATM/debit cards, etc.
• Configurable Reg. D tracking parameters
• Dormancy and escheat monitoring

Marketing and Management Review

• Help Desk inquiry for monitoring CU calls to CU*Answers Client Services
• Online member survey tracking and analysis
• Cross-sales tracking system, including online marketing tips and product sales procedures
• Telemarketing leads follow-up system
• Tiered Service Levels: automated rewards for member participation
• Marketing Clubs: demographic clubs with automated status tracking, fee waivers and rate benefits
• “Push Marketing” tools including messages via It’s Me 247 Online Banking and CU*Talk Audio Response, email marketing, selective inserts for member statements, and CU-defined statement messages
• Fully-integrated non-member database for non-member relationship tracking and potential member data mining
• Household database and statistical analysis by household and member
• Extensive membership and member participation analysis tools
• Rate forecasting and pricing analysis tools
• Flexible configuration for over-the-counter fees, self-service fees and periodic service charges and rebates: “Relationship Fees”
• ALM downloads
• Membership and new account “reason codes” tracking
• Full line of inquiry tools for comprehensive “window” into CU operations
• Member follow-up ticklers
• SEG/sponsor tracking
• Electronic deposit holds, including the “Member In Good Standing” system for controlling deposit hold settings