ATM/Debit Processing

INTRODUCTION
This booklet introduces users to the screens used in the daily maintenance
of ATM and Debit cards. The manual provides answers to several frequently
asked questions about the daily maintenance of ATM and Debit cards, such
as how to create a card, how to reorder a card, and how to change the status
on a card. It also provides examples of ATM and Debit card reports that are
archived daily in CU*SPY.

This manual is for users who have access to Tool #11 ATM/Debit Card
Maintenance, which allows daily maintenance on ATM and Debit cards.
Users who only need to view the ATM and Debit cards screens can access
view-only versions of some of the screens shown in this manual through
Tool #156 ATM/Debit Cards & Activity Inquiry.

Revision date: October 1, 2021

For an updated copy of this booklet, check out the Reference Materials page of our website:
[Link]
CU*BASE® is a registered trademark of CU*Answers, Inc.
 CONTENTS
FREQUENTLY ASKED QUESTIONS 3
INTRODUCTION TO THE ENTRY SCREENS 4
TOOLS FOR YOUR ATM/DEBIT CARD PROCESSING 4
MAIN ATM/DEBIT SCREENS 4

ANSWERS TO FREQUENTLY ASKED QUESTIONS 6

PLASTICS ORDERS FRAUD BLOCK LIST 30
CARD RANDOMIZATION 30

INSTANT CARD ISSUE 32

TEMP2PERM CARD ISSUE 33
“MANAGE MY CARDS” MEMBER CARD CONTROL AND ACTIVITY ALERTS VIA
THE IT’S ME 247 MOBILE APP 34
ON DEMAND EXCEPTIONS REPORT 35
ATM CONFIGURATION SCREENS 36
CU*SPY ATM REPORTS 41
TRANSACTIONS DETAIL REPORT 41
ATM/DEBIT TRANSACTIONS SUMMARY REPORT 42
EXCEPTION REPORT- DENIALS 43
EXCEPTION REPORT - EXCEPTIONS 44
ISA FEES 45
ACCOUNT POSTING DETAIL REPORT 46
ACCOUNT POSTING SUMMARY REPORT 47
PANCARD CU*BASE 48
VENDOR RECONCILIATION REPORT - RECON TO ONLINE MATCH 49
VENDOR RECONCILIATION REPORT - ONLINE TO RECON MATCH 50
ATM/DEBIT CARDS ACCOUNT MAINTENANCE REPORT 52
ATM/DEBIT CARDS ACCOUNT MAINTENANCE REPORT 53

2 ATM/Debit Card Processing: User Guide

FREQUENTLY ASKED QUESTIONS
Before moving to the answers to these questions (beginning on page 6), be
sure to review the introduction to the entry screens (beginning on the next
page). Answers to the questions follow this overview.

• Question 1: My member is the primary account holder and wants to

get a brand new ATM/Debit Card. How do I order him or her a card?
See Page 6

• Question #2: My member’s card is worn and I need to reorder him

or her a replacement card. How do I do this? See Page 10

• Question #3: My member’s spouse or child needs an ATM/Debit

card. How do I create a card that does not have the primary account
holder’s name on the card? See Page 12

• Question #4: I need to issue the member a specific card number.

How do I do this? See Page 13

• Question #5: A cardholder has lost his or her card. How do I

change the status of the card to mark it as a “hot” card? See Page
14

• Question #6: I need to close a card that is no longer needed. How

do I do this? See Page 17

• Question #7: How do I see all of the cards issued to a member’s

account? See Page 20

• Question #8: How do I view the activity or on a specific card? See

Page 21

• Question #9: How do I view Card Status Changes for an Account?

See Page 24

• Question #10: How do I close a card the same day it was opened?
See Page 26

• Question #11: How do I temporarily change the daily limit on my

member’s ATM or Debit card? See Page 28

• Question #12: My member travels for long periods of time, how can I
ensure that the address at the vendor is my member’s current
physical location? See Page 30

ATM/Debit Card Processing: User Guide 3

INTRODUCTION TO THE ENTRY
SCREENS
TOOLS FOR YOUR ATM/DEBIT CARD PROCESSING
Most of this manual will deal with Tool #11 ATM/Debit Card Maintenance,
which allows you to view existing cards, perform maintenance, and order
new cards. Access to this tool should be given only to people in charge of
processing ATM and Debit cards. Tool #156 ATM/Debit Cards & Activity
Inquiry allows view-only access to some of the screens available through the
maintenance tool and should be given to employees who will not order or
perform maintenance on ATM or Debit cards.

MAIN ATM/DEBIT SCREENS

You will work from two main ATM and Debit Card screens to perform all
your maintenance, including ordering and reordering new cards or marking
a card as a “hot” card.

Access Screen for Tool #11 ATM/Debit Card Maintenance

Enter the entire card

number or just the last four
digits of the number here.

This is the entry screen for performing maintenance on a card, viewing card
configuration, or ordering a new card.

You have three options from this screen:

• Enter a valid account base to view all cards associated with that
account.
• Enter the full ATM or Debit card number (to view only that card)
• Enter the last four digits of the ATM or Debit or card number (to view
all cards with containing those last four digits).

NOTE: You will see a similar entry screen when entering via ATM/Debit
Card Activity Inquiry. Entering through this option will not allow
maintenance or card ordering/re-ordering, but will simply allow a user to
view some of the screens shown in this booklet.

4 ATM/Debit Card Processing: User Guide

 Maintenance Screen

Select the Trackers for this

Member button to review,
update, or create Member
Trackers.

From this screen, select a

card and use of these items
to perform maintenance on
the card

Use Add Card (F6) to

begin creating a new
card.

You move to the screen above when you enter an account base number, the
last four digits of a credit card number, or the full card number in the entry
screen. From this screen, you can select a card and use the options to
perform maintenance. This screen is also the starting point for creating a
new ATM or Debit card. All cards, regardless of status, will appear on this
screen.

ATM/Debit Card Processing: User Guide 5

ANSWERS TO FREQUENTLY ASKED
QUESTIONS
Question 1: My member is the primary account holder and
wants to get a brand new ATM/Debit Card. How do I order
him or her a card?
These directions cover how to order a new card for the primary account
holder. Questions #2 and #3 cover reordering a card and ordering a card
with a different name (for example a spouse or child also needs a card).

• Refer to the Instant Card Issue booklet for more information on

producing un-embossed plastics that are printed at your credit
union that can be used immediately by your member with their
own selected PIN number. This feature requires a specialized
printer with software provided by Datacard Group.
[Link]
content/uploads/[Link]

1. Use Tool #11 ATM/Debit Card Maintenance and enter the

member’s account number, the last four digits of the card
number, or the full card number in the entry screen.

2. Press Enter.

3. The Maintenance screen (shown below) will appear. Use Add

Card (F6) to move to the BIN selection screen.

Maintenance Screen

Use Add Card (F6) to

order a new card for the
member.

6 ATM/Debit Card Processing: User Guide

 BIN Selection Screen

4. This screen lists the BINs available. (For more information about
BIN configuration see page 38). Select the appropriate ATM or
Debit Card BIN from the list. This will take you to the Card/PIN
Order screen.

Card/PIN Order Screen

Refer to your vendor to

determine if changes can
be made to these fields.

Instant Card Issue

ordering is available if
this BIN is configured for
this feature. See Page
32 for more information.

5. Confirm that the Line 1 name is correct. (In this case it should
be the member’s name since we are creating a card for the
member). A different name can be entered if you are creating a

ATM/Debit Card Processing: User Guide 7

 card for a family member. See Question #3 - “My member’s
spouse or child needs an ATM/Debit card.” for a screen example.

• Line 2 is reserved for use with platforms that will accept a

two line card embossing. Not all vendors support this
through online processing. Contact your vendor to see if
Line 2 embossing is supported.
• When ordering a card, enter a caret symbol (^) to indicate
the separator between first name, middle initial, and last
name. The caret symbol is created when holding down
SHIFT and pressing the number 6, on most standard
QWERTY keyboards. Use Enter to view how the name will
appear embossed on the card. Do not use this symbol to
indicate a space.
• Some names will require a decision in spacing. For
example, for MARY BETH O’DONNELL, you may enter
MARY^B^O DONNELL or MARY BETH^O DONNELL.
• Middle names must be 1 initial when ordering a card.
• If no carets are used, or are used incorrectly, CU*BASE
will display a warning message along the bottom of the
screen, alerting you to the issue with the name.
• Carets do not pertain to Business Names.
• Max Number of Characters is configured per BIN, based
on vendor and card production requirements. CU*BASE
will display the number of characters used when Enter is
pressed to refresh the screen.

6. Confirm that the correct Social Security Number, phone number,

and birthday are entered in the fields for the member who will be
activating the card – CU*BASE pulls the primary account holder’s
information here, but you can change this information for
activation purposes (it will not update CU*BASE records, only
card information files).

7. Now we need to add the accounts that will fund this card’s
transactions. Click Accounts (F13) to add funding accounts for
the card. The account base you entered previously will appear in
the Relationship account field. Confirm you have the correct
account base and member name.

8 ATM/Debit Card Processing: User Guide

 Attached Accounts Screen

The first account listed on this screen

is the Relationship account. This
account is used for Tiered Services
and Marketing Club features. Enter
the account that is the primary
funding account underneath that.
This account must be listed in the
area below as well.

In this area list all of the

accounts that will provide
funds for the card.

8. Enter a Funding account in the next field. This is the primary

account that the ATM or Debit card will use when performing
Signature based and Non-Pinned POS transactions. The funding
account entered in this field must also be listing in the
appropriate section below.

• NOTE: It is recommended that he Funding account on a Debit

Card be a checking account to avoid transaction denials. Check
with your vendor to determine whether a savings account can be
used. The number of accounts allowed is dependent on your
vendor configuration.

9. Enter any additional accounts (different suffixes for the

relationship account (see above) or accounts from different
memberships entirely) that the cards are allowed to access when
performing transactions in the area below. There are areas for
savings, checking and line of credit accounts.

10. When you are finished entering the accounts, Select Update and
use the backup arrow to return to the card order screen.
11. Use Add/Update (F5) to order the card.
12. At this point, if configured, you can use Instant Card Issue (F14)
to print a flat un-embossed plastic (printed at your credit union)
that can be used immediately by your member with their own
selected PIN number. This feature requires a specialized printer
with software provided by Datacard Group. See Page 32 for more
information.

ATM/Debit Card Processing: User Guide 9

 Question #2: My member’s card is worn and I need to reorder
him or her a replacement card. How do I do this?
These directions cover the process to reorder ATM or Debit cards. The
reordered card will have the same settings and funding accounts as the
original card. These steps are also used when members have forgotten their
PIN and need to have it resent to them.

• NOTE: Check with your vendor to determine if replacement card

orders can be processed through CU*BASE.

• Refer to the Instant Card Issue booklet for more information on

producing un-embossed plastics that are printed at your credit
union that can be used immediately by your member with their
own selected PIN number. This feature requires a specialized
printer with software provided by Datacard Group.
[Link]

1. Use Tool #11 ATM/Debit Card Maintenance.

2. Enter the member’s account number, the last four digits of the card
number, or the full card number in the entry screen.

3. Press Enter.

Reordering a Card (Step 1)

Select the card and then

Reorder card/PIN.

1. Select the card from the list and then Reorder card/PIN.

10 ATM/Debit Card Processing: User Guide

 2. Confirm that the member’s name, account base, social security
number and phone number are correct and make any needed
changes. For example, you might change the phone number if the
member wanted to activate the card via a cell phone.

Reordering a Card (Step 2)

Instant Card Issue

ordering is available if this
BIN is configured for this
feature. See Page 32 for
more information.

3. Check the appropriate boxes: Order card, Order PIN, or both.

• If you check Order Card, a card will be reordered and sent to

the member.

• If you check Order PIN, the PIN number will be resent to the
member. You can check either one of the options or both of
the options.

• IMPORTANT!! Checking these items is required in

order for a card to be reordered or a PIN to be resent.

4. Use Add/Update (F5) to complete the reordering of the card or PIN.

• At this point, if configured, you can use Instant Card Issue

(F14) to print a flat un-embossed plastic (printed at your
credit union) that can be used immediately by your member
with their own selected PIN number. This feature requires a
specialized printer with software provided by Datacard Group.
See Page 32 for more information.

ATM/Debit Card Processing: User Guide 11

 Question #3: My member’s spouse or child needs an
ATM/Debit card. How do I create a card that does not have
the primary account holder’s name on the card?
Ordering an ATM or Debit card for a person with a different name than the
primary account holder’s name is very similar to ordering a card for the
primary member on the account. This process might be followed, for
example, when you create a card for a spouse or child of a member.

Follow the directions in Question #1- How do I create a card for a member?
(See page 6). While on the screen shown below, simply enter the new
embossing information, including the new name, social security number or
phone number, as appropriate.

Changing the Embossing Information on a Card

On this screen, enter the name

of the new cardholder.

To protect the privacy of

the member you may
wish to enter a new
social security number
here. You can also
enter in a new phone
number here as well.

12 ATM/Debit Card Processing: User Guide

 Question #4: I need to issue the member a specific card
number. How do I do this?
Sometimes you may want to control the card number a specific card
receives. For example, you may have issued a card through the vendor’s site
and need to create the card in CU*BASE. Or perhaps you are sharing a BIN
with other credit unions and are using a set list of numbers to create your
cards. Please use caution when using this option as to not overlap existing
cards in your vendor database.

You can only select a specific card number when you create a new card.
Follow the directions in Question #1 (see page 6) except for the following
steps:

Card/PIN Order Screen

Use Unlock Card # (F21) to

open the card number field
where you can enter your own
card number for the ATM or
Debit card you are ordering.

1. When you come to the Card PIN Order Screen (shown above), use the
Unlock Card # (F21).The card sequence # field will become an input-
capable field that will allow you to enter the specific card number.

2. Enter the number you wish to use in the field. In the example above
the number “9999” was entered.

ATM/Debit Card Processing: User Guide 13

 Question #5: A cardholder has lost his or her card. How do I
change the status of the card to mark it as a “hot” card?
Follow these directions to change the status of a card to mark it as a “hot”
card.

1. Use Tool #11 ATM/Debit Card Maintenance.

2. Enter the member’s account number, the last four digits of the card
number, or the full card number in the entry screen.

3. Press Enter.

Changing the Status (Step 1)

Select the card and then Change

Status.

4. Select the card from the list and then Change Status.

14 ATM/Debit Card Processing: User Guide

 Card Status Screen

5. On the Change Card Status screen, use the Select button to move to
the Status screen.

Card Status Code Selection Screen

ATM/Debit Card Processing: User Guide 15

 Change Card Status Screen

6. Use Update (F5) to complete the process.

7. Because the status change is a hot status, you will be presented with
a confirmation message. You must select Update (F5) to finalize the
status change.

• NOTE: If you change the card status to a warm status, you

can change the code. Hot (pickup) and closed status changes
cannot be altered. To learn more about your status codes and
whether they are “warm” or “hot” refer to the Status Code
Preference option on MNATMD.

8. At this point, the status will be changed in CU*BASE.

9. You will then receive a notification screen indicating whether this

status change has been accepted by the vendor. This screen will
display one of three messages: the status was accepted by the
vendor, no vendor reply was received, or that the status change
request failed. If the vendor did not receive the message, you can
resend the status change. If the status change request failed, you
will not be allowed to resend the status change.

• If the status change is not received successfully by your

vendor, change the status at your vendor terminal. The
status will already be changed in CU*BASE.

10. Use back up arrow up to return to the Maintenance Screen which will
show the updated status in CU*BASE.

16 ATM/Debit Card Processing: User Guide

 Question #6: I need to close a card that is no longer needed.
How do I do this?
This section explains how to close an ATM or Debit card. For example, a
member might be deceased.

o NOTE: If you opened this account today and a same-day card order
exists for this card, you will not be able to close the card and will see
the following message during the process of closing the card:

For directions to close a card opened same day, refer to Question

#10: How do I prepare to close a card the same day it was
opened? See Page 28.

1. Use Tool #11 ATM/Debit Card Maintenance.

2. Enter the member’s account number, the last four digits of the card
number, or the full card number in the entry screen.

3. Press Enter.

Closing a Card (Step 1)

Select the card and then Close.

ATM/Debit Card Processing: User Guide 17

 4. Select the card from the list and then Close.

5. This will move you to the Change Card Status screen where you can
review the information on the card you are closing.

Card Status Screen

6. On the Change Card Status screen, use the Select button to move to
the Status screen.

Card Status Code Selection Screen

18 ATM/Debit Card Processing: User Guide

Change Card Status Screen

11. Use Update (F5) to complete the process.

12. Because the status change is a hot status, you will be presented with
a confirmation message. You must select Update (F5) to finalize the
status change.

13. At this point, the status will be changed in CU*BASE.

14. You will then receive a notification screen indicating whether this
status change has been accepted by the vendor. This screen will
display one of three messages: the status was accepted by the
vendor, no vendor reply was received, or that the status change
request failed. If the vendor did not receive the message, you can
resend the status change. If the status change request failed, you
will not be allowed to resend the status change.

• If the status change is not received successfully by your

vendor, change the status at your vendor terminal. The
status will already be changed in CU*BASE.

15. Use the backup arrow up to return to the Maintenance Screen which
will show the updated status in CU*BASE.

ATM/Debit Card Processing: User Guide 19

 Question #7: How do I see all of the cards issued to a
member’s account?
You may wish to view all of the cards issued to a particular member account.

1. Use Tool #11 ATM/Debit Card Maintenance.

2. Enter the member’s account number, the last four digits of the card
number, or the full card number in the entry screen.

3. Press Enter to view all of the cards associated with that account
number, regardless of status.

Viewing All Cards

20 ATM/Debit Card Processing: User Guide

 Question #8: How do I view the activity on a specific card?
The Network Activity screen lists all of the activity on the ATM or Debit card
for the last 90 days.

1. Use Tool #11 ATM/Debit Card Maintenance.

2. Enter the member’s account number, the last four digits of the card
number, or the full card number in the entry screen.

3. Press Enter.

Viewing Card Activity

Select the card and then Activity.

4. Select the card from the list and then Activity.

5. Selecting this option takes you to a screen listing a record for each
transaction item that CU*BASE received for the card. Certain
transactions will not be recorded, such as transactions that were
denied at the switch itself (fraudulent transactions or transactions
where the PIN did not match, for example).

ATM/Debit Card Processing: User Guide 21

 Card Activity (Screen #1)

For complete details on the columns on this screen, please refer

to CU*BASE GOLD Online Help. Click while working in this
screen.

22 ATM/Debit Card Processing: User Guide

6. Select a record on the list to view a detail of that transaction. On this
screen you can view detailed information on the selection.
Card Activity (Detail)

For complete details on the columns on this screen, please refer

to CU*BASE GOLD Online Help. Click while working in this
screen.

ATM/Debit Card Processing: User Guide 23

 Question #9: How do I view Card Status Changes for an
Account?
The Card Status History screen shows a listing of status changes for the
card.

1. Use Tool #11 ATM/Debit Card Maintenance.

2. Enter the member’s account number, the last four digits of the card
number, or the full card number in the entry screen.

3. Press Enter.

Viewing Card Status Changes

Select the card and then Card

Status History.

4. Select the card from the list and then Card Status History.

5. Selecting this option takes you to a screen listing a record for each
card status change.

24 ATM/Debit Card Processing: User Guide

Card Status History Screen

ATM/Debit Card Processing: User Guide 25

 Question #10: How do I prepare to close a card the same day
it was opened?
Before closing a card that was created same-day, you need to first cancel the
card order. Then you can follow the steps in Question 6 on Page 17 to close
the card.

Remember this process can be used for same-day orders only.

1. Use Tool #11 ATM/Debit Card Maintenance.

2. Enter the member’s account number, the last four digits of the card
number, or the full card number in the entry screen.

3. Press Enter.

Closing a Same Day Card

Select the card and then

Reorder card/PIN..

4. Select the card from the list and then Reorder Card PIN. (This is to
cancel the card order.)

26 ATM/Debit Card Processing: User Guide

Click the padlock symbol
so you can uncheck the
Send Maintenance check
box.

5. Click the padlock icon next to the Send Maintenance check box on
the Reorder/Card PIN screen to unlock the field.

6. Uncheck the Send Maintenance check box,

7. Uncheck the Order Card checkbox.

8. Uncheck the Order PIN checkboxes.

9. Use Update (F5) to cancel the order.

10. A confirmation message will appear at the bottom of the screen that
reads, “Record has been updated successfully.”

11. Use the up arrow to exit the screen.

Once the plastic order is cancelled, you can close the card. Refer to
Question #6: I need to close a card that is no longer needed. How do I
do this? on Page 17.

ATM/Debit Card Processing: User Guide 27

 Question #11: How do I temporarily change the daily limit on
my member’s ATM or Debit card?
Often, members wish to make large dollar purchases only to be stopped by
the daily limits put in place for their ATM/Debit card. To temporarily update
your member's daily purchase limit, first Check Limits must be enabled.

Check Limits MUST be

selected for this process to
work as intended.

First, access your member’s debit card via Tool #11 ATM/Debit Card
Maintenance and select Maintenance.

28 ATM/Debit Card Processing: User Guide

 Select Maintenance. Be
sure to access this option
via Tool #11 ATM/Debit
Card Maintenance

Second, update the Remaining Daily Limit field to a number larger than the
requested purchase amount (or the exact purchase amount, if known).

Example: To change a limit

to $3500.00 for one day,
only the Remaining field
would need to be updated
(less the amount already
present in the Total
field). Under the
conditions previously
described, the program
determines the limits
should be reset and
resumes use of the Total
field value(s).

If changes are made to the Remaining field, the member would receive a
temporary increase for only the day maintenance was performed. Upon the
first transaction on any day other than the day the Remaining limit was
changed, limits will automatically be reset. The Remaining amount would
then revert back to the Total amount, per typical limit reset procedures.

ATM/Debit Card Processing: User Guide 29

 Until a transaction is attempted on any following day, the Remaining amount
will still show the modified amount.

Question #12: My member travels for long periods of time,

how can I ensure that the address at the vendor is my
member’s current physical location?
Many, if not all, vendors offer transaction verification using the cardholder’s
zip code or other identifying information in the transaction message. For
members that spend time in different zip codes, (the “snowbirds” in Michigan
who spend half the year in Florida, for example), CU*Answers offers a
solution to make alternate address processing for member plastics a simple
process. Each night during the creation of the nightly maintenance file,
CU*BASE will check member accounts for Alternate Addresses and alternate
address begin and end dates. Alternate Addresses are sent to the vendor as
master address updates, and once the Alternate Address expires, the
member’s Master Address will be sent back to the vendor in the nightly file.
It may be beneficial to set the member’s Alternate Address “begin” date as
the day before the address is to take place, and inform the member, as the
change is made at night. As with other addresses, if the Alternate Address is
flagged as either WRONG or FOREIGN, we will send the Credit Union’s
mailing address to the vendor.

This feature must be activated! Contact a

SettleMINT EFT representative at
settleminteft@[Link] to turn this
option on for your vendor.

PLASTICS ORDERS FRAUD BLOCK LIST

If a person or organization is on the plastics fraud block list, you will be
unable to order or reorder a card for them. Fraud Block Lists are accessed
via Tool #892 Fraud Block List/Blocked Persons List. When an order or
reorder is attempted for a person on the list, the employee will see the
messaging they will see messaging that the “SSN/TIN appears on block list,”
and will be blocked from ordering or reordering the card.

If a match is found on a block list, follow your credit union policies and
procedures. (In order to remove the block, you will need to remove the
membership from the Plastic Orders block list.)

• Learn more in online help Overview: Fraud Block Lists.

CARD RANDOMIZATION
As a potential fraud mitigation option, credit unions can elect to turn on
card randomization. Randomization is supported for expiration date, as well
as card number or card increment. These options have to activated!
Contact SettleMINT EFT to engage these options for a credit union. Users
can also use the CU*Answers Store to order ATM/Debit or Credit
Card randomization.

30 ATM/Debit Card Processing: User Guide

A Caution to Consider
When electing to turn on randomization, it is important to be aware of what
your vendor process entails when it comes to potential duplicates in already-
used card numbers. As an example, sometimes vendors will complete purge
projects but not perform a complete deletion of the card numbers from the
vendor card database. This creates a disconnect in which CU*BASE assumes
the card number is available to assign, but the vendor has the card number
on file and rejects the order as a duplicate. Be sure that you are monitoring
and reviewing your reports daily to check for rejections!

Card Expiration Date Randomization

When ordering a card, the year of expiration will be calculated using the
configured term, such as 2 or 3 years out, but the month will be randomly
selected within that year.

When selected, the word "Randomized" will appear next to the Months to
expire field in the BIN configuration.

Card # Randomization
This option will randomly select a card number at card creation from all
available cards in the database. Note that this option may not be available
for all vendors.

When selected, the word "Randomized" will appear next to the Next card
number field in the BIN configuration.

Card Increment Randomization

This option will randomly select a card increment between 1-10 to use when
assigning the card number.

When selected, the word "Randomized" will appear next to the Card
Increment field in the BIN configuration.

ATM/Debit Card Processing: User Guide 31

INSTANT CARD ISSUE
CU*Answers has partnered with Datacard Group to offer an integrated
Instant Card Issue product when requesting either a new card or a
replacement ATM or debit card through F14-Instant Card Issue on the
Card/PIN Order screen.

Flat un-embossed plastics are printed at your credit union that can be used
immediately by your member with their own selected PIN number. This
feature requires a specialized printer with software provided by Datacard
Group.

• Contact SettleMINT for more information on the activation of this

feature.

Refer to the Instant Card Issue booklet for more details and step by step
directions for using this feature.

32 ATM/Debit Card Processing: User Guide

TEMP2PERM CARD ISSUE
This feature must be activated! Contact a
SettleMINT EFT representative at
settleminteft@[Link] to turn this
option on for your vendor.

Another variation of an “instant card” process, the option to use the

Temp2Perm (T2P) issue process must first be activated with the SettleMINT
EFT team, as well as your vendor. Currently, the vendor who supports this is
Vantiv. There may be costs associated with this project.

This option requires an exclusive BIN range as well as a special order of pre-
printed card stock before the configuration, but unlike the DataCard Group
Instant Issue process, it does not require the purchase or use of a special
card printer.

There are two options available to order a Temp2Perm card:

Overnight with Next-Day Activation:

Create a T2P card within CU*BASE, using the “Unlock Card #” feature to
input the card number from the pre-printed card stock. The card order is
then sent to the vendor that evening in the normal nightly maintenance file.
The vendor will activate the in-hand card for the member which will work
until the receipt of the permanent card.

Dual Maintenance with Same-Day Activation:

Create a T2P card within CU*BASE and on the vendor system, then choose
to NOT send the card order in the nightly maintenance; add the card with
the Send Maintenance Flag = Y, then maintain the card to change the Send
Maintenance Flag = N. This method allowed the member to activate the
temporary card the same day, and they will receive the permanent card in
the mail as usual.

Considerations of this process include:

• T2P cards cannot be reordered in CU*BASE. As Vantiv

handles monthly reissue, when T2P cards expire, the
vendor will send the reissued plastics per usual. Credit
unions can process expirations in CU*BASE as usual
via Tool #147 ATM/Dbt/Crdt: Card Expiration
Processing, however it is not required. If a member
needs a replacement card, they will get a new card
number.

• Also, BINs cannot be shared between regular card

orders and T2P card orders. A new BIN must be
configured prior to T2P processing.

ATM/Debit Card Processing: User Guide 33

“MANAGE MY CARDS” MEMBER CARD
CONTROL AND ACTIVITY ALERTS VIA
THE IT’S ME 247 MOBILE APP
It’s now easy for members to take control of their card activity via the It’s Me
247 Mobile App via the Card Controls feature!

Once activated, members can log in to the mobile app, quickly view their
active status cards, and select one to temporarily deactivate. Once they’ve
decided to reactivate their card, they can simply follow the same process to
reactivate. This sends a “warm” or temporary status online to your vendor to
block the member card from authorization approval (note this change is not
duplicated and sent in the nightly batch maintenance file). The credit union
has the option to activate or deactivate cards from within CU*BASE as well,
using Tool #11 ATM/Debit Card Maintenance or Tool #12 Update/Order
Online Credit Cards.

Members can also set up Transaction Activity Alerts for certain kinds of
transactions, and amount thresholds for push notifications.

To learn more about this feature and to see the member process from start
to finish, view the Mobile App Card Controls guide ([Link]/wp-
content/uploads/[Link]), available on the CU*BASE
Reference and It’s Me 247 Reference pages.

Interested in activating Card Controls for your credit

union? Contact the Internet Retailer Support Center at
[Link] for more information and
configuration options.

34 ATM/Debit Card Processing: User Guide

ON DEMAND EXCEPTIONS REPORT
Tool #157 ATM/Debit Daily Exceptions Report produces an on demand
version of the three exception reports. This includes the LPANEX1,
LPANEX2, and LPANEX3 Reports.

• Due to the length of these reports and the time required to generate
them via this option, it is recommended that you instead access these
reports via CU*SPY. These reports are posted daily to CU*SPY so you
can view previous days reports on CU*SPY. Examples of these
CU*SPY reports are shown later in this document.

The first exception report lists the transactions that CU*BASE denied. The
second report lists the un-posted transaction (transactions that CU*BASE
could not post that require some action on your part), as well as the NSF
transactions (informational only). The third report lists accounts that were
charged foreign transaction fees.

ATM/Debit Daily Exceptions Report (Tool #157)

12/03/10 [Link] SUCCESS CREDIT UNION LPANEX1 PAGE 1

RUN ON 12/03/10 DENIALS USER
DATE RANGE: 12/03/10 - 12/03/10
ACCOUNT MESSAGE TRAN TRANS MESSAGE TRANS
NUMBER CARD NUMBER TYPE CODE TERMINAL AMOUNT MESSAGE CODE DATE
5999 000 499999******1170 1200 011000 20.00 Insufficient Funds. 0051 12/03
LINK: NO Act2 Record REF#: 03377868 MERCHNT: 100 MAIN STREET THE PARK BANK NECEDAH WI
59999 000 599999******1207 1100 003000 7.47 No Card Record. 0056 12/03
LINK: NO Act2 Record REF#: 000000561847 MERCHNT: 00000000000000000561847 120310 BFG*BIGFISH866921696 0 , 866-92
89999 000 479999******7163 1200 012000 100.00 Insufficient Funds. 0051 12/03
LINK: NO Act2 Record REF#: 035500004325 MERCHNT: HWYS 16 44 PO BOX 999 KWIK TRIP 825 HOKAH MN
** END OF REPORT **

12/03/10 [Link] SUCCESS CREDIT UNION LPANEX2 PAGE

RUN ON 12/03/10 POSTING ERRORS USER
DATE RANGE: 12/03/10 - 12/03/10
ACCOUNT MESSAGE TRAN TRANS MESSAGE TRANS
NUMBER CARD NUMBER TYPE CODE TERMINAL AMOUNT MESSAGE CODE DATE
** END OF REPORT **

12/03/10 [Link] SUCCESS CREDIT UNION LPANEX3 PAGE

RUN ON 12/03/10 ISA FEES USER
DATE RANGE: 12/03/10 - 12/03/10
STLMNT ACCOUNT # / MESSAGE TRAN TRANS MESSAGE TRAN
DATE STLMNT AMOUNT CARD NUMBER TYPE CODE TERMINAL AMOUNT MESSAGE CODE DATE
** END OF REPORT **

ATM/Debit Card Processing: User Guide 35

 ATM CONFIGURATION SCREENS
The following screens allow you to view all vendor configurations that are
currently supported on the CU*BASE Standard ATM/Debit card platform. If
you are considering changing vendors, this allows you to check out the other
vendor options.

You will have view-only access to these configuration screens. Tool #153
ATM/Dbt/Crdt: Vendor Features Inquiry displays a list of vendors. Select a
vendor to view the options that are supported by that vendor.
A vendor configuration screen is show below.

Screen 2: ATM/Dbt/Crdt: Vendor Features Inquiry (Tool #153)

If Card stock code

supported is checked, this
vendor supports card stock.

36 ATM/Debit Card Processing: User Guide

Screen 3: ATM/Dbt/Crdt: Vendor Features Inquiry (Tool #153)

ATM/Dbt/Crdt: BIN Config Inquiry (Tool #146)

Tool #146 ATM/Dbt/Crdt: BIN Config Inquiry provides you with a list of
your BINs. Select a BIN to view its configured settings. These configuration
screens control what options your credit union has contracted to use. An
example of a BIN configuration is show below.

ATM/Debit Card Processing: User Guide 37

 Screen 2: ATM/Dbt/Crdt: BIN Config Inquiry (Tool #146)

The word “randomized” can

appear next to the Months
to Expire, Next Card #, and
Next card increment if the
Card Randomization
options are activated.

Learn more about this

feature in the Operator
Edition Online Help:
[Link]
r/[Link]#t=UISOCUV-
[Link] .

Pressing Enter from this screen will allow you to move through the PIN
configuration screen and the SIG (signature) configuration screens. While
many credit unions use the same vendor for both services, the separation
allows for two different vendors and also allows for different online and
offline limits for PIN-based and signature-based transactions.

• NOTE: This is where Instant Card Issue is activated. See Page 32.

For complete details on the columns on this screen, please refer

to CU*BASE GOLD Online Help. Click while working in this
screen.

38 ATM/Debit Card Processing: User Guide

BIN Configuration (PIN Configuration - Screen 3)

BIN Configuration (SIG configuration - Screen 4)

For complete details on the columns on this screen, please refer

to CU*BASE GOLD Online Help. Click while working in this
screen.

ATM/Debit Card Processing: User Guide 39

 Screen 2: ATM/Dbt/Crdt: Service Charge Group Inq (Tool #152)

Tool #152 ATM/Dbt/Crdt: Service Charge Group Inq shows a listing of the
current service charge groups. Select a service charge group to view its
configuration. An example of a configuration is shown above.

Screen 1: Card Stock Config Inquiry - ATM/Debit (Tool #183)

Card Stock Config Inquiry shows you a listing of the card stock options
associated with each BIN. An example of a listing of stock code options is
shown below.

• Not all vendors support stock codes. Refer to the Vendor

Configuration screen (shown on page 38) for the field that determines
whether this feature is supported.

Contact a Client Service Department Representative for assistance setting up

this feature.

40 ATM/Debit Card Processing: User Guide

CU*SPY ATM REPORTS
Following is a listing of the ATM/Debit reports that are archived daily to
CU*SPY.

TRANSACTIONS DETAIL REPORT

Report Name LPANTX1
CU*Spy Menu Electronic Third Party
When Report is EOD
Generated

View/Print Daily
This report lists transactions to be compared to your ATM/Debit
vendor report for daily balancing comparison. This report is by
Description
card number order. This report also included credit card
transactions.
It is produced during end of day processing for transactions posted
to CU*BASE from transactions sent from your vendor. Both this
Purpose / Tips
and the accompanying summary report are used for balancing and
research purposes.
Responsible
Employee

ATM/Debit Card Processing: User Guide 41

 ATM/DEBIT TRANSACTIONS SUMMARY REPORT
Report Name LPANTX2
CU*Spy Menu Electronic Third Party
When Report is EOD
Generated

View/Print Daily
This report will list transactions to be compared to your
Description ATM/Debit vendor report for daily balancing comparison. This
report is by card number order.
It is produced during end of day processing for transactions posted
to CU*BASE from transactions sent from your vendor. Both this
Purpose / Tips
and the accompanying detail report are used for balancing and
research purposes.
Responsible
Employee

42 ATM/Debit Card Processing: User Guide

EXCEPTION REPORT- DENIALS
Report Name LPANEX1
CU*Spy Menu Electronic Third Party
View/Print Daily
When Report is EOD
Generated

View/Print Daily
This report contains information on why a member’s transaction
was declined by the CU*BASE system and is the first source your
Description
personnel should use in researching a declination. This report
ATM/Debit Card and credit card denials.
This report is a good resource for determining denials from the
Purpose / Tips
previous day for members.
Responsible
Employee

ATM/Debit Card Processing: User Guide 43

 EXCEPTION REPORT - EXCEPTIONS
Report Name LPANEX2
CU*Spy Menu Electronic Third Party
View/Print Daily
When Report is EOD
Generated

View/Print Daily
This report includes posting exceptions that were posted to the
suspense G/L account and accounts that were posted NSF.
Preapproved authorization exceptions can also appear on this
report when the funds can’t be secured on the member’s account
due to situations like the card being closed, the status of account
Description
being closed, frozen, etc. The member’s account should be
reviewed and a determination should be made by the credit union
to manually secure the funds.
This report includes both ATM/Debit and credit card posting
errors.
This report is a good resource for determining items that need to
Purpose / Tips be posted by hand. You may want to review the accounts that
were posted negative.
Responsible
Employee

44 ATM/Debit Card Processing: User Guide

ISA FEES
Report Name LPANEX3
CU*Spy Menu Electronic Third Party
View/Print Daily
When Report is EOD
Generated

View/Print Daily
This report contains all ISA fees processed for your members for
the previous day. This report is sorted by settlement date detail
Description
and summary.
This report includes both ATM/Debit and credit card ISA fees.
Use this to review summary of ISA fee by settlement date. The
Purpose / Tips
totals (by settlement date) are included at the bottom of the report.
Responsible
Employee

ATM/Debit Card Processing: User Guide 45

 ACCOUNT POSTING DETAIL REPORT
Report Name LPANAC1
CU*Spy Menu Electronic Third Party
When Report is EOD
Generated

View/Print Daily
This report will list transactions to be compared to your
ATM/Debit vendor report for daily balancing comparison. This is
Description
presented by member account number. This would also include
credit card transactions
It is produced during end of day processing for transactions posted
to CU*BASE from transactions sent from your vendor. Both this
Purpose / Tips
and the accompanying summary report are used for balancing and
research purposes.
Responsible
Employee

46 ATM/Debit Card Processing: User Guide

ACCOUNT POSTING SUMMARY REPORT
Report Name LPANAC2
CU*Spy Menu Electronic Third Party
When Report is EOD
Generated

View/Print Daily
This report will list transactions to be compared to your
Description ATM/Debit vendor report for daily balancing comparison. This is
presented by member account number.
It is produced during end of day processing for transactions posted
to CU*BASE from transactions sent from your vendor. Both this
Purpose / Tips
and the accompanying summary report are used for balancing and
research purposes.
Responsible
Employee

ATM/Debit Card Processing: User Guide 47

 PANCARD CU*BASE
Report Name PADLIM
CU*Spy Menu Electronic Third Party
When Report is EOD
Generated

View/Print Daily
This report identifies differences between CU*BASE card file and
Description
member files.
This report is used to work mismatches between the card files and
Purpose / Tips
the member account and membership files.
Responsible
Employee

48 ATM/Debit Card Processing: User Guide

VENDOR RECONCILIATION REPORT - RECON TO ONLINE MATCH
Report Name PRCNXX1
CU*Spy Menu Electronic Third Party
When Report is EOD
Generated

View/Print Daily
This report is designed to show any differences between what the
vendor indicates they settled your corporate account with them for
this and what CU*BASE indicates we received on your behalf from
Description
the vendor. This is shown recon to online match.
NOTE: This report is by vendor; the credit union may have
multiple reports
Use this report when your settlement is out of balance to
Purpose / Tips
determine if a transactions needs to be manually posted.
Responsible
Employee

ATM/Debit Card Processing: User Guide 49

 VENDOR RECONCILIATION REPORT - ONLINE TO RECON MATCH
Report Name PRCNXX2
CU*Spy Menu Electronic Third Party
When Report is EOD
Generated

View/Print Daily
This report is designed to show any differences between what the
vendor indicates they settled your corporate account with them for
this and what CU*BASE indicates we received on your behalf from
Description
the vendor. This is shown online to recon match.
NOTE: This report is by vendor; the credit union may have
multiple reports
Use this report when your settlement is out of balance to
Purpose / Tips
determine if a transactions needs to be manually posted.
Responsible
Employee

50 ATM/Debit Card Processing: User Guide

Vendor Reconciliation Report - Duplicate Records

Report Name PRCNXX3

CU*Spy Menu Electronic Third Party
When Report is EOD
Generated

View/Print Daily
This report is generated when two transactions have the same
Trans Ref number. In these cases, only one transaction is posted
to the member’s account since CU*BASE deems the other
Description
suspicious.
NOTE: This report is not generated every day, only when
duplicates are received.
Purpose / Tips Review when you are out of balance.
Responsible
Employee

ATM/Debit Card Processing: User Guide 51

 ATM/DEBIT CARDS ACCOUNT MAINTENANCE REPORT
Report Name LADMXX1A
CU*Spy Menu Electronic Third Party
When Report is EOD
Generated

View/Print Daily
This report includes any maintenance on ATM/Debit accounts on
Description
CU*BASE that was sent to your vendor via batch maintenance file.
We recommend this report be worked on a daily basis. Match back
Purpose / Tips
to your vendor reports.
Responsible
Employee

52 ATM/Debit Card Processing: User Guide

ATM/DEBIT CARDS ACCOUNT MAINTENANCE REPORT
Report Name LADMXX1B
CU*Spy Menu Electronic Third Party
View/Print Daily
When Report is EOD
Generated

View/Print Daily
This report includes any maintenance on ATM/Debit accounts on
Description
CU*BASE that was sent to your vendor via batch maintenance file.
We recommend this report be worked on a daily basis. Match back
Purpose / Tips
to your vendor reports.
Responsible
Employee

ATM/Debit Card Processing: User Guide 53