ATM/Debit Card ConversionATM/Debit Card Conversionfrom SC24 tofrom SC24 to

the Cothe Co--op Networkop NetworkPresented byPresented byCU*AnswersCU*Answers

SC24 Shared BranchingSC24 Shared Branching• Menu MNSC24 will still exist for your CU• Account/Card Maintenance options 1 & 2 will not contain

data after the second day after conversion• Shared branching transactions are performed using a

members account number not a card number• Processing Configuration option 16 will still be used to

find the shared branching settlement G/L• You will still have a CU*Answers LSC07 report listing the

shared branching transactions• CU*Answers will still provide an SC24 vendor report

including the shared branch settlement amount on the 201.1 report

CoCo--op Atm/Debit Card Processingop Atm/Debit Card Processing• You will use Menu Option # 21 – PSCU/COOP Online Process• Add MNSDAT #21 to employee security

• MNMMFD – Add menu options 1, 2, 4, 22 and 23 to your employee security

*restrict options #16, 17, and 18 which contain very sensitive data

• MNSC24 – Restrict access to this menu after conversion so employees don’t

accidentally access this option by mistake

CoCo--op Online Processop Online Process

N/A

CoCo--op Configurationop Configuration• The ATM PAN will be auto-filled with base account number + check digit

** Kent County & Ottawa Credit Unions: You will have to enter in ATM PAN numbers because the ATM Pan does not contain the members base account number

•The number after the ATM Card Prefix is the length of your ATM PAN numbers

19

CoCo--op Configurationop ConfigurationDebit Card PAN will be auto-filled with next sequential number

*You will be required to notify us of the next debit card number to use

CoCo--op Configurationop Configuration• G/L Clearing account – Build a New G/L Co-op settlement account

•You will need to notify us of all new G/L numbers for this area

•All COOP terminals are no fee – Y or N?•You will need to notify us if this question should be ‘Y’es or ‘N’o

CoCo--op Configurationop ConfigurationThe ATM/Debit (POS) Online and Offline Limits and

Service Charge group code will default into the New Card order

screens as before in the SC24 card screens

ATM Service ChargesATM Service ChargesYour SC24 ATM fee definitions will be carried over to the Co-op

ATM fee definitions

No Fee TerminalsNo Fee Terminals• List all of your No Fee Terminals if you do not waive all Co-op terminals

•Or if you waive fees for Non-Co-op terminals

ATM/Debit Account MaintenanceATM/Debit Account MaintenanceCU*Answers will send an ATM/Debit Card maintenance file each night

(Mon-Sat) at approximately 9pm EST similar to the maintenance file we sent

for SC24

ATM/Debit Account MaintenanceATM/Debit Account Maintenance

• Members will have access to ‘6’ account types

• The Primary Accounts; Savings 1, Checking 1 and LOC 1 will be converted over from the SC24 system, if applicable

Conversion ReportsConversion Reports

• You will receive another set of Conversion reports similar to the Pre-conversion reports that you will need to review. The reports will be located in your HOLDXX queue.

• If your Conversion date is 3/21/05 the reports will be availableon Friday, 3/11/05. If your Conversion date is 3/28/05 the reports will be available on Monday, 3/14/05.

• These reports are prepared before your true conversion date so that CU*Answers and Co-op can verify the files are ready to go on your conversion date.

• You will be on the Co-op system at approximately 8am the day of your conversion.

ATM/Debit Account MaintenanceATM/Debit Account Maintenance

These counters can be reduced if a member had a

problem with their card

These Account limits can’t be updated –only card limits are updatable & sent to Co-op

Debit Debit CardCard MaintenanceMaintenance• Lost/Stolen Flag – Since CU*BASE is set to auto-fill the next new Debit PAN number you will use this flag to bypass this feature which allows you to enter in the complete PAN. This will need to be used when a card is issued by the your credit card vendor when a member notifies them that their card is lost or stolen. You will find these cards on a Co-op report. These cards will need to be added to CU*BASE using this flag.

ATM Card MaintenanceATM Card Maintenance

CU*Base will generate automatic maintenance changes for the following CU*Base member changes:

Member’s Address & Phone NumberNote: If the member’s phone number is updated then we will send the

member’s date of birth, social security number, business phone number

and mother’s maiden name.

• All Member information is sent when a new card is added to CU*BASE.

• The phone number, social security number, date of birth, business phone,

mother’s maiden name are all sent for for the Secure Code program used

during the new card activation process.

ATM Card MaintenanceATM Card Maintenance• The ATM/Debit (POS) Limit changes will be included in the evening maintenance

• The following flag changes are not sent in maintenance but would be used by

CU*Answers since we are the approver of on-line transactions. Please note that

these flags will not work for an off-line transaction since these flags do not go through

maintenance to Co-op.

Deposits allowed POS returns allowed Transfers allowed

Withdrawals allowed POS purchases allowed

To Re-issue a card or PIN you will

need to perform maintenance on

Co-op

Debit Card MaintenanceDebit Card Maintenance

• The Card Status Codes are sent on-line to Co-op for immediate

updating to their system

Debit Card MaintenanceDebit Card Maintenance• Choose the appropriate card status from the drop down box & press enter to

have the auto-change the Card Status from N to Y.

• Note: The bottom code allows you to remove a card status code in case a

member calls back and says they found their card.

Debit Card MaintenanceDebit Card Maintenance

You can close a card on the CU*BASE side and the card will not be accessed online. A closed status is not supported by the Co-op system. CU*Answers will add an auto purge feature next year that will drop cards closed for inactive for a specific time period. Note: You can’t delete a card off CU*BASE. You will need first update the status to “AK” and then mark the card as closed which will update the close date with today’s date.

If you choose the wrong status you will need to remove the status and then choose the

correct status code for the card.

Debit Card Authorization MaintenanceDebit Card Authorization Maintenance

• You have the ability to delete pending debit card authorization items that

have cleared the member’s accounts. It is possible with the 2 day delay

for signature transactions that a transaction could post before the

authorization is removed from the system.

MNMMFD – Option #4

Debit Card Authorization CommentDebit Card Authorization Comment

A pop-up comment will appear on a members inquiry screen when there are pending debit card authorizations on the account

F17 F17 –– OTB Inquiry ScreenOTB Inquiry Screen• The OTB Inquiry screen will be automatically created during EOD

processing when an ATM or Debit card is added in MNMMFD #2

• F10 – You can view outstanding debit card authorizations from this

screen but you can not perform maintenance. Maintenance can only

be performed from option 4 on menu MNMMFD.

Debit Card Authorization InquiryDebit Card Authorization Inquiry

• This is a sample of the debit card authorization view screen

CU*Answer Reports in CU*SPYCU*Answer Reports in CU*SPY• LC01TXN – ATM Transactions by Network and Date

• LC01TXS – ATM Transactions by Account Number

• LC01TXP – ATM Error Transactions Partial Updates

LC01TXS LC01TXS –– ATM Transactions by Account NumberATM Transactions by Account Number

• Processor Totals - The bottom totals represent the total transactions posted to your

members for the day by CU*Answers. (This is typically from midnight to midnight)

• Since we have a stand-in process during EOD, your members will experience an on-line

account balance of approximately 98% - 99% which is different than the SC24 process.

Processor TotalsOr

CU*Answers Totals

LC01TXN LC01TXN –– Transactions by Network and TimeTransactions by Network and Time

• You will have two LC01TXN reports created each night; one

containing transaction detail and one containing totals

• You will use the totals report page to perform your daily balancing

and the detail report can be changed in the outque routing control on

menu MNPRTC #16 to go to fiche only.

LC01TXN LC01TXN –– Transactions by Network and TimeTransactions by Network and Time• This summary report is broken by settlement date so that the totals for 2/25/05 will

match Co-op’s totals from 2/25/05, 3pm – 3pm pacific time.

• You will use the totals for 2/26/05 as your current day holdover for your processor on

your daily balancing form.

Business Date is 2/25/05CU*Answer’s Transmit Date totals should equal Co-ops Cardholder

activity from report EFBPT030-RP01

CU*Answers Carry over or Hold over figures are listed as next Transmit Date as

shown as 2/26/05

LC01TXP LC01TXP –– ATM Error Transaction Partial Updates ReportATM Error Transaction Partial Updates ReportA member transaction can show here in rare cases where a record lock occurs and the line needs to be reset. This can cause your G/L to be out of balance as well as the member’s history. Make sure you stress with your staff that they should not keep their screen up when in an update screen for a member. They should always finish their maintenance and return to a menu.

LCOP03 LCOP03 –– ATM Exceptions ReportATM Exceptions ReportThis EOD report gives you the reasons why someone couldn’t use their card.

However, you can run this report on demand using menu MNMMFD, #22.

So--- if a member can’t use their card today, you can run this option and see

immediately why the card is not working and fix the issue.

LCOP03 LCOP03 –– ATM Exceptions Report ATM Exceptions Report –– HOST STANDINHOST STANDINThis EOD report will tell you why a person couldn’t use their card when CU*Answers was in stand-in mode which is similar to your PC home banking stand-in process. (approximately 12am – 5am) We point your files to a copy of the members balance file as of approximately 11:30pm est. We do not use an offline limit we use the members balance as of this time of day. The offline limits will only be in place during the time when the member files are pointed to the backup file and then back to the production (live) files.

PAT02 PAT02 –– ATM/DBT Account/Card Maintenance ReportsATM/DBT Account/Card Maintenance Reports• There are two reports generated when the maintenance file is sent to Co-op in

the evening at approximately 9pm. The first report lists all of the Account

changes and the second report lists all of the card changes.

•We recommend that you match CU*Answers report to the Co-op maintenance

report to make sure all your changes have taken place.

PAT02 PAT02 –– CMS Maintenance Error ReportCMS Maintenance Error Report

“CMS” refers to CU File Maintenance. This report is typically blank unless maintenance is performed on a members account and then the membership is closed the same day. We would not send maintenance to Co-op in this situation.

PUS05 PUS05 -- USPDATA File Error ReportUSPDATA File Error Report

The report gets created each evening and it will show accounts where the card data doesn’t match open accounts on CU*BASE.

EFBPT030EFBPT030--RP01RP01

• This is a sample of Co-op’s Daily Totals Recap / Institution Summary Report

• Co-op’s Settlement figures will be listed on the last page of this report as “Automated Funds Movement Entry” and “Automated Funds Movement Entry –Spons Srchg”. You will need these figures for your daily balancing form.

•You will use the “Automated Funds Movement” figures as Co-op’s settlement figures. If these amounts settle via ACH then you need to post your amounts between your ATM settlement G/L and the ACH suspense G/L 870-11.•Note: You may be able to have Co-op split your automated entries through ACH so that they come in as two figures instead of one net amount. This way you could route the surcharges to the appropriate account.

EFBPT030EFBPT030--RP01RP01• This is a sample of Co-op’s “Daily Totals Recap” report which is the second to the last page of their reports. You will need this report if you are a terminal owner to get your “+Total New Suspense” and “-Total Previous Suspense” figures for your daily balancing form.

•You will need these terminal current day and prior day suspense or holdover figures to balance.

•You will need to match your physical terminal deposits and withdrawals to the terminal figures listed here. •Each individual terminal is listed to the left of this box.•A grand total for all terminals is listed at the bottom.

EFBPT030EFBPT030--RP01RP01•This is a sample of Co-op’s “Daily Totals Recap” report which is the third to the last page of their reports. You will use this report if you have a window difference for your Co-op settlement amount. You will need the “Prev Susp Adjmts” and “-Today’s Susp Adjmts” amounts as your settlement carry over amounts on your daily balancing sheet.

A window difference occurs when networks have different settlement times or windows.

Typically, this occurs for transactions in different time zones.

NonNon--terminal Owner Sample Balancing Formterminal Owner Sample Balancing Form

Terminal Owner Sample Balancing FormTerminal Owner Sample Balancing Form

Terminal Owners with Window difference Sample Terminal Owners with Window difference Sample Balancing FormBalancing Form

ATM/Debit Card Daily Balancing formsATM/Debit Card Daily Balancing forms

• A sample of the daily balancing forms can be emailed to you. They are in an excel file format and can be altered to meet your specific needs.

• Typically CU’s like to add their G/Lnumbers to the forms.

Question TimeQuestion Time

End of ClassEnd of Class

• Thank you for joining our class today

• Please refer to your Alerts page in the NET button on the CU*BASE screens to review any issues that may occur on your conversion day.