i-power Share Accounts User s Guide

Transcription

1 i-power Share Accounts User s Guide Last Revised on: 08/15/2012 EPL, Inc. 22 Inverness Parkway Suite 400 Birmingham, Alabama (205) EPL (4375)

2 Property of EPL, Inc., 22 Inverness Center Parkway, Birmingham, AL , (205) , Fax (205) EPL, Inc. believes this document is accurate and reliable, and much care has been taken in its preparation. However, EPL, Inc. cannot accept any responsibility, financial or otherwise, for any consequences arising out of the use of this material. The information contained herein is subject to change. Revisions may be issued to advice of such changes or additions. The information and techniques contained in this document are the property of EPL and may not be disclosed in total or in part without the written permission of EPL, Inc EPL, Inc. All rights reserved.

3 Table of Contents SETUP AND MAINTAIN SHARE PRODUCT CLASSES... 6 ADDING A NEW SHARE PRODUCT CLASS... 6 General/Fees/NSF... 7 SR2.5.3 Release Feature - - CQ# New Fees Early Share Close and Re-Open Fee Setup Early Share Close Fee Transaction Re-Open Share Fee Transaction In-House Data Center Implementation Instructions Share/Overdraft Min Balance Charge/Dormancy Inactivity/Abandoned Prop Fee Statement Fee Options FILE MAINTAINING A SHARE PRODUCT CLASS DELETING A SHARE PRODUCT CLASS SHARE PRODUCT CLASS MAINTENANCE HISTORY Viewing the Maintenance History Printing the File Maintenance History Report PRINTING THE SHARE PRODUCT CLASS REPORT REGULATION D TRANSACTIONS OVERVIEW OPENING A BASIC SHARE ACCOUNT MEMBER DEMOGRAPHICS Home Previous Home Employment Previous Employment Temporary Mailing Identification CREDIT REPORT Viewing a Credit Report Printing a Credit Report Requesting a New Credit Report ADDING JOINT OWNERS MAIL RECIPIENT TAXPAYER ACCOUNT PROPERTIES SR2.5.4 Release Enhancement - - CQ# New Option to Block Account Access to Service Center MONETARY INFORMATION PRODUCE CUSTOM DOCUMENTS TRANSACTION COMPLETE OPENING SPECIAL-HANDLING SHARE ACCOUNTS OPENING A CUSTODIAN ACCOUNT OPENING AN ESTATE ACCOUNT CHANGING AN EXISTING ACCOUNT TO AN ESTATE ACCOUNT OPENING AN ASSOCIATION ACCOUNT CLOSING A SHARE ACCOUNT CLOSE ACCOUNT COMMAND FILE MAINTAINING THE SHARE CLOSED DATE FIELD: REOPENING A CLOSED SHARE ACCOUNT MESSAGE/COMMENTS/CODEWORD SHARE SUFFIX DROP-DOWN LIST HISTORY

4 Transaction History Maintenance History OWNERS INFORMATION Member Demographics Home Previous Home Employment Previous Employment Temporary Mailing Identification OWNERS INFORMATION Manage Owners Mail OWNERS INFORMATION View Credit Report STOP PAYMENT Adding ACH Stop Payments Viewing ACH Stop Payments Deleting ACH Stop Payments WARNINGS AND LOCKS ACCOUNT OVERRIDES CHECK HOLDS Adding a Check Hold Deleting a Check Hold DIVIDEND INFORMATION TAX SUMMARY OVERDRAFT PROTECTION GENERAL SHARE INFORMATION General Share Information / Page Maintaining Loan Holds from General Share Information / Page General Share Information / Page General Share Information / Page General Share Information / Page Custom Fields EMPLOYEE PAYROLL INFORMATION PRODUCE DOCUMENTS MR2.6.0 RELEASE ENHANCEMENT - - CQ# ADDRESS ENHANCEMENT MR RELEASE ENHANCEMENT - - CQ# STATEMENT DRAFT CYCLING BENEFITS DECISIONS STATEMENT OPTIONS SETUP IPB Statement Option Statement Drop Code Print Home Equity Loans Drafts Role Permission Setting the Statement Options Cycling Options Weekend/Holiday Statement Options Draft Cycle Dates and Loan Draft Cycle Dates New Fields Share Account Draft Account Loan Draft Account Deleted Fields Share Draft Product Class IMPLEMENTATION Instructions for First Time Cycling Setup Cycling Draft Statements Cycling Separate Loan Draft Statements

5 Data Center - - Operational Changes Statement Program Run Parameter Requirements VCU VCI001/VCI357/VCI VCUEND Other Program Changes VCUREV VCU VCU514 and VCUACHDB Obsolete Programs REPORTS/NOTICES WORKSHEETS SHARE SYSTEM CODES Post Dividend Codes Credit Rating Codes Bankruptcy Codes Voice Lockout Codes Audit Flags Ownership Codes Relationship Codes Share Insurance Codes Student Loan Status Language Codes COMMON CODES Custom Fields Reg D Codes NCUSIF Codes NCUSIF Codes (continued) NCUSIF Codes (continued) Mail Codes SHARE PRODUCT CLASS WORKSHEET General Info Standard Fees NSF Share Options Overdraft Options Minimum Balance Charge Dormancy Fee Inactivity Fee Inactivity Fee (continued) Abandoned Property Fee

6 Setup and Maintain Share Product Classes Adding a New Share Product Class This procedure assumes you are starting from the i-power Main Navigation screen. The Main Navigation screen displays: (1) To set up a Share Product Class, click on Manager on the menu bar and select Institution/Shares/Product Classes from the drop-down list. 12 The Share Product Classes screen displays: (2) Click on the Add Product Class tab. Page 6 of 279

7 General/Fees/NSF The Share Product Class Information/General/Fees/NSF screen displays: (3) Complete all applicable fields in the General/Fees/NSF tab as defined by your credit union s policies and procedures. Share Product Class Information General Field Description Valid Entries/Comments Product Class ID: Product Class: Date Active: Date Inactive: Dividend Code: Indicates the product class number that the institution uses to refer to this product class. Indicates the name of the product class. Indicates the date the product class became active. When creating a new product class, today s business date is defaulted. Indicates the date the product class becomes inactive. Indicates which rate type in the dividend structure (share area) to use. (A code that represents a dividend table stored outside of the database.) Valid Values: Old Database Field Name: New Field Database Field Name: SHPR-PROD-NUM 25 alphanumeric characters Old Database Field Name: New Field Database Field Name: SHPR-PROD-NAME mmddccyy format Old Database Field Name: New Field Database Field Name: SHPR-ACTIVE-DATE mmddccyy format Old Database Field Name: New Field Database Field Name: SHPR-INACTIVE-DATE Valid Values: 0 9 Old Database Field Name: IP-STD-SH-DVN-PLN Database Field Name: SHPR-DIV-CODE (VCISCN) Page 7 of 279

8 Share Product Class Information Standard Fees Field Description Valid Entries/Comments Membership Fee: Excess Withdrawal Fee: Indicates the fee amount that is defaulted into the Member Fees Due field located on Page 1 / General Share Information when a share is opened. This fee is deducted from the first deposit that is greater than the fees due amount. Deposits using the Wire In or Misc Disburse commands will not have the fee deducted. Indicates the share excess withdrawal fee amount. ATM withdrawals can take the account negative, if necessary, to withdraw the fee. monetary format Old Database Field Name: IP-MEMBERSHIP-FEE Database Field Name: SHPR-MEMBERSHIP-FEE-AMT Tran Code: SHFE (OL2020, TELLER & PEPCOMN2 macro) monetary format NOTE: Internal transfers are not counted; withdrawals by cash or check only. If you want ATM cash withdrawals to be included for the excess share withdrawal fee, then IP-SH-FEE-REG-ATM, IP-SH- CNT-REG-ATM, IP-SH-FEE-PRO-ATM and IP-SH- CNT-PRO-ATM must be set to 1. If you want Shared Branch transactions to be included in the excess share withdrawal fee, IP-SH-FEE-LOC-ATM and IP-SH-CNT- LOC-ATM must be set to 1. Excess Withdrawal Period: Maximum Withdrawals per Period: Include Electronic Withdrawals: Early Share Close Fee: Indicates the time period to use when assessing a share excess withdrawal fee. Indicates the maximum number of withdrawals allowed before an excess withdrawal fee is assessed. This field ONLY refers to home banking withdrawals. Indicates whether an account should be charged a fee based on the number of withdrawals by electronic access methods. Indicates the fee amount the member will be charged when the share account is closed early. This field works in conjunction with the Days Open to Avoid Fee field. Old Database Field Name: IP-EXCESS-WDL-CHG Database Field Name: SHRP-EXCESS-WDL-FEE-AMT (OL2020 & PEPCOMN2 macro) (Not in VCU517, Service Centers or Batch ATMs) Valid Values: 0 Monthly 1 Quarterly 2 Do Not Assess Wdl Fee Old Database Field Name: IP-EXCESS-WDL-PRD Database Field Name: SHPR-EXCESS-WDL-PERIOD- CODE (OL2020) 1 digit NOTE: Internal transfers are not counted; withdrawals by cash or check only. Old Database Field Name: IP-MAX-NR-WDLS Database Field Name: SHPR-MAX-WDL-QTY (OL2020) This field ONLY refers to home banking withdrawals. Check box format: Valid Values: 0 = No (unchecked) 1= Yes (checked) monetary format 6 digits including the decimal place Page 8 of 279

9 Days Open to Avoid Fee: Re-Open Share Fee: Indicates the number of days the share account is open where it is exempt from the Early Share Close Fee. Indicates the fee amount the member will be charged when the share account is re-opened. 3 characters monetary format 6 digits including the decimal place Share Product Class Information NSF Field Description Valid Entries/Comments NSF Charge: Indicates the NSF fee amount to be assessed on shares for insufficient transactions by ACH Debits and Batch ATM postings; can take the share negative to assess the fee. monetary format NSF Counter: Indicates how the Share counter is to be incremented. NSF fields are on the Share Overdraft Protection screen. This will also determine how the Reg D counters will be incremented when a transfer occurs. Ignores the Minimum Balance field, shares pledged and other holds. Will not assess the fee on charged-off shares. If the Payroll Source field Source Type = 5 Debits W/O NSF Fees, then that source will not assess NSF charges. Old Database Field Name: IP-SAV-NSF-CHG Database Field Name: SHPR-NSF-CHARGE-AMT Tran Code: SHNF (VCU514 & VCU517) Valid Values: 0 - Increment by 1 if any item in a batch is NSF (fee by batch; assess the NSF charge one time no matter how many items are in the batch) 1 - Increment by the number of items NSF in a batch (fee by item; assess the NSF charge per item, e.g. NSF fee = $25.00 and 3 items are contained in the batch, a $75.00 charge is incurred) Old Database Field Name: IP-NSF-CTR-BY-CHK Database Field Name: SHPR-INCR-NSF-COUNTER- CODE (VCU166 & VCU514) Page 9 of 279

10 SR2.5.3 Release Feature - - CQ# New Fees Early Share Close and Re-Open Fee With the SR2.5.3 release, two new fees were added to the System; they are the Early Share Close and Re-Open Fees. Setup This procedure assumes you are starting from the i-power Main Navigation screen. The Main Navigation screen displays: (1) To set up the early share close and re-open fess, click on Manager on the menu bar and select Institution/Shares/Product Classes from the drop-down list. The Share Product Classes screen displays: (2) Click on the Edit icon of the share product class to be file maintained. Page 10 of 279

11 The Share Product Class Information screen displays: (3) Click on the Modify button to file maintain the share product class information. Page 11 of 279

12 The Share Product Class Information screen displays: The Early Share Close fee has two fields in the Product Class. The first field will contain the amount you wish to charge the member for an early share close transaction. The second field will tell system which accounts are no longer eligible for this fee. You will enter in this field the number of days an account must be open to not be eligible for the fee. Once and account has passed the number of days in this field they will no longer be charged the fee if the member chooses to close his or her share account. For the Re-Open Share Fee you will enter in a fee amount. If an amount is entered for either fee, the default for Re-Open Share and Early Share close will be selected. A Teller may override the default if desired. NOTE: The new fees will not be active for a class if the amount is = (4) Once all changes have been made, click on the Save button. The new Product Class fees will display the Product Class Report and File Maintenance History. Page 12 of 279

13 Early Share Close Fee Transaction The following account was created in less than 90 days. Select Close Account from the Financial Transaction Options. Select Go. Charge Early Share Close Fee is auto selected on the close screen. The fee amount is also displayed as read only. The Teller can uncheck to box to override the fee. If the Teller wishes to charge the fee they will select funds type and click Post. Page 13 of 279

14 Transaction Complete: The close transaction may exceed the number of withdrawals allowed for the account. If that is the case, the Excess Withdrawal Fee will be collected first, then the Early Share Close Fee. Electronic Journal: The transaction displays on two lines. We have a new tran code SHCL for collecting the fee. Page 14 of 279

15 Transaction History: The transaction displays on two lines. Teller Totals: We have added a new line item for Detailed Teller Totals. The Description is Membership Fee. This line will be updated as a Credit for the Fee Amount. Page 15 of 279

16 This time the Teller will uncheck the fee. The Teller will be required to override the Product Class Defaults. The level of the override can be changed for your Credit Union. NOTE: Level 9 cannot be overridden. You will also get an override message if the account does not have enough money to collect the Early Share Close Fee. The Teller can override the message and the account will be closed without collecting the fee. NOTE: You will only get this override when the teller chooses to bypass the product class defaults. Page 16 of 279

17 A sample of a Receipt with the Early Share Close Fee: Page 17 of 279

18 Re-Open Share Fee Transaction Select the account you wish to Re-Open. An Account Closed Message will display. Charge Re-Open Share Fee is auto selected on the Account Closed screen. The fee amount is also displayed as read only. The Teller can uncheck to box to override the fee. If the Teller wishes to charge the fee they will select Reopen. Page 18 of 279

19 The Account will be Re-Opened. NOTE: Re-open is a file maintenance transaction. The fee will not be taken until the first deposit to the re-opened account. Notice the fee amount in the Member Fees Due Field. Page 19 of 279

20 Key a deposit to the re-opened account. Select Post. NOTE: The fee will only be collected if the deposit amount is greater than the fee amount. Page 20 of 279

21 Transaction Complete. Notice the New balance amount is 2.00 dollars. A sample of a re-open receipt: Page 21 of 279

22 Electronic Journal: The transaction displays as one line item. The 8-dollar fee displays in the Fee Amt Field. History: The Fee amount displays as a separate line item with Tran Type = Membership Fee. Page 22 of 279

23 Teller Totals: We have added a new line item for Detailed Teller Totals. The Description is Membership Fee. This line will be updated as a Credit for the Fee Amount. This time the Teller will uncheck the fee. Page 23 of 279

24 The Teller will be required to override the Product Class Defaults. The level of the override can be changed for your Credit Union. NOTE: Level 9 cannot be overridden. You will only get this override when the teller chooses to bypass the product class defaults. In-House Data Center Implementation Instructions Please contact EPL Client Support for implementation support and to co-ordinate database changes. Bring the online down Update your YH0999 file o Right click on file under parm directory on Winscp on OA o Click Edit o Make addition of the SHCL o Save o Refresh NOTE: The online must be bounced for this change to take affect. Update your Tran Code Table o Add SHCL Tran Code with Debit and Credit GL Account o Add General Ledger description for SHCL Tran Code Page 24 of 279

25 Share/Overdraft The Share Product Class Information/Share/Overdraft screen displays: (4) Complete all applicable fields in the Share/Overdraft tab as defined by your credit union s policies and procedures. Share Product Class Information Share Options Field Description Valid Entries/Comments Minimum Balance: Minimum share balance (in whole dollars) used to calculate the available share balance and restrict withdrawals to the available balance. monetary format NOTE: When attempting to withdraw more than the minimum balance, defined in the share product class, the following override codes will be displayed and requires the user to enter their Teller Number and Password in order to post the transaction. Override Exception Flags: 514 Withdrawal exceeds the share available balance 522 Share withdrawal will bring the balance under the product class minimum balance Old Database Field Name: IP-MIN-BAL Database Field Name: SHPR-SHARE-MIN-BAL-AMT (OL2020 & TELLER) Page 25 of 279

26 Share Product Class Information Share Options Field Description Valid Entries/Comments Maximum Balance: Allow Negative Balance?: Auto Close if brought to zero balance and no other open suffixes?: Maximum Insurable Share Balance: Monetary Transactions Allowed?: Maximum share balance (in whole dollars) the online will allow. Indicates whether an online user is allowed to perform a share withdrawal that would result in the current balance being negative. This does not effect whether the user can withdraw more than the amount in the Available Balance field located on the Account Profile screen. Indicates whether the system will automatically close a share account when no other suffixes are open and the balance reaches zero after a transaction via the monetary command Withdrawal or Multi Withdrawal. This will not close existing zero balance share accounts. Also a share account will not be automatically closed if the account has an existing charged-off loan. Maximum share balance (in whole dollars) for credit union paid share insurance. Indicates whether or not financial transactions are allowed against the share account. monetary format NOTE: When attempting to deposit more than the maximum balance, defined in the share product class, the following override code will be displayed and require the user to enter their Teller Number and Password in order to post the transaction. Override Exception Flags: 607 Share deposit will bring the balance over the product class maximum balance Old Database Field Name: IP-MAX-SHARE-BAL Database Field Name: SHPR-SHARE-MAX-BAL-AMT (TELLER, OL2020 * OLSCRN) Valid Values: 0 No, the user is not allowed to draw the account negative. 1 Yes, the user is allowed to draw the account negative with an override. Override Exception Flags: 507 Withdrawal will result in a negative share balance Old Database Field Name: IP-NEG-BAL Database Field Name: SHPR-ALLOW-NEG-BAL-IND (OL2020) Valid Values: 0 Do Not Close Automatically 1 Automatically Close if No Other Suffixes Open [If another suffix exists and the Withdrawal or Multi Withdrawal is attempted that would result in a zero balance and error INV CLOSE-TRLR ### ACTIVE is returned. (### = the open suffix)] Old Database Field Name: IP-ZERO-CLOSE-SH Database Field Name: SHPR-AUTO-CLOSE-ZERO-IND (OL2020) monetary format This field is used to calculate insured/uninsured shares (Life Savings) on the Uninsurability Report/RMG2621#. Old Database Field Name: IP-MAX-INS-SHARES Database Field Name: SHPR-MAX-INSURABLE-BAL-AMT (VCI262) Valid Values: 0 - Transactions Allowed and Will Appear on Statement 1 - Transaction Not Allowed, Will Not Appear on Statement When any monetary transactions are attempted, the following error message is returned: Error: Account: MONETARY NOT ALLOWED TO SHARE ACCOUNT. Old Database Field Name: IP-SH-MON-DEF-CD Database Field Name: SHPR-ALLOW-TRAN-CODE (OL2020) Page 26 of 279

27 Share Product Class Information Share Options Field Description Valid Entries/Comments Alert User of Indicates whether the user is Valid Values: Payroll required to manually close all Distributions on distributions when closing the 0 Alert User of Open Distributions Close?: share or automatically allow the 1 Automatically Close all Distributions when Closing a Share system to close the distributions. Override Exception Flags: This field can be used in conjunction with the Auto Close 527 Close share account with an active MIDAS distribution if brought to zero balance and no other open suffixes? field. Old Database Field Name: IP-SH-MID-CL-FL Database Field Name: SHPR-ALERT-USER-ON-CLOSE- CODE (OLSCRN & OL2020) Reg D: Indicates whether the account is a transaction or non-transaction type account based on the government regulation known as Reg D. This regulation not only defines Credit Union Defined Codes Valid Values: = Non-Transaction Type Account CU defined descriptions transaction and non-transaction = Transaction Type Account CU defined descriptions accounts, it also places limitations on non-transaction accounts. Old Database Field Name: SH-REG-D-CODE Database Field Name: SHPR-REG-D-CODE Overdraft Options Field Description Valid Entries/Comments Overdraft Privilege: Overdraft Transfer Charge: Overdraft Charge per Batch: Indicates the overdraft privilege that is defaulted when the share is opened. Indicates the transfer charge assessed on the account receiving the transferred funds. Indicates whether the overdraft transfer charge is assessed for each item that cleared due to overdrafting or once per batch. Valid Values: 0 Overdrafting not Allowed 1 Overdrafting Allowed Old Database Field Name: SH-OVERDRAFT-PRIV Database Field Name: SHPR-ALLOW-OD-IND monetary format NOTE: When the Overdraft Privilege field is set to 0 this field is disabled. Tran Code: SHOD Old Database Field Name: IP-OD-TRNSFER-CHG Database Field Name: SHPR-OD-TXFR-CHARGE-AMT (VCU166, VCU514, VCU517 & PEPGLOBL macro) Valid Values: Assess one per batch Assess per Item NOTE: When the Overdraft Privilege field is set to 0 this field is disabled. Old Database Field Name: IP-OD-CHG-PER-CHK Database Field Name: SHPR-OD-CHARGE-BATCH-CODE (VCU166, VCU169, VCU514, VCU517& PEPDEPST macro) Page 27 of 279

28 Share Product Class Information Overdraft Options Field Description Valid Entries/Comments Negative After Transfer?: Transfer Charge on Share: Incremental Amount from Draft, Share, or Club: Incremental Overdraft Amount from Loans: Overdraft Automatic Reg D: Indicates whether the account is allowed to be negative when overdraft transfers occur. Indicates how to assess the overdraft transfer charge when any overdrafting occurs or only when a transfer occurs from a share or club occurs. Indicates the incremental amounts (in whole dollars) to advance from the associated draft, share or club account when this share account goes negative. Indicates the incremental amounts (in whole dollars) to advance from the associated loan account when this share account goes negative. Indicates whether to automatically set a share or club s Reg D code to a 50 when the share or club is placed on the overdraft sequence and change the Reg D code to a 0 when the share or club is removed from the overdraft sequence. This applies to both the share and draft suffixes. Valid Values: 0 Allow Account to be negative after transfer 1 Transfer enough to clear items and cover OD charge NOTE: When the Overdraft Privilege field is set to 0, this field is disabled. Old Database Field Name: IP-NEG-AFTR-XF-CH Database Field Name: SHPR-ALLOW-NEG-TXFR-CODE (VCU166, VCU169, VCU514, VCU517& PEPDEPST macro) Valid Values: 0 Only apply transfer charge when from share or club (no transfer charge is assessed if overdrafting to a loan occurs. 1 Apply charge when any overdrafting occurs NOTE: When the Overdraft Privilege field is set to 0, this field is disabled. Old Database Field Name: IP-XFER-CHG-SH-ON Database Field Name: SHPR-SHARE-TXFR-CHARGE-CODE (VCU166, VCU414, VCU517 & PEPDEPST macro) monetary format NOTE: When the Overdraft Privilege field is set to 0, this field is disabled. Old Database Field Name: IP-INCREMNT-VA-SH Database Field Name: SHPR-OD-SHARE-INCR-AMT (VCU166, VCU414, VCU517 & PEPDEPST macro) monetary format NOTE: When the Overdraft Privilege field is set to 0, this field is disabled. Old Database Field Name: IP-INCREMNT-VA-LN Database Field Name: SHPR-OD-LOAN-INCR-AMT (VCU166, VCU414, VCU517 & PEPDEPST macro) Valid Values: 0 - Do not automatically set Reg D 1 - Automatically set Reg D NOTE: When the Overdraft Privilege field is set to 0, this field is disabled. Old Database Field Name: IP-OD-AUTO-REG-D Database Field Name: SHPR-AUTO-SET-REG-D-IND (OL2020 & OLFM20) Page 28 of 279

29 Min Balance Charge/Dormancy The Share Product Class Information/Min Balance Charge/Dormancy screen displays: (5) Complete all applicable fields in the Min Balance Charge/Dormancy tab as defined by your credit union s policies and procedures. Share Product Class Information Minimum Balance Charge Field Description Valid Entries/Comments Grace Days: Indicates the number of days, after opening the account, when no minimum balance fee is charged. If number of days between the last 3 digits Old Database Field Name: C-GRACE-DAYS (de-implemented from VCU123 param file) active date and post date is greater Database Field Name: SHPR-MIN-BAL-GRACE-DAYS-QTY than or equal to the Grace Days, then assess a fee. (VCU123) Maximum Balance Charge: Charge Fee Based on?: Indicates the fee amount that is assessed when the share s minimum balance/aggregate balance is below the amount indicated in the Balance Amount field. Indicates which balance to use in assessing the fee amount in the Maximum Balance Charge field. monetary format NOTE: If the share current balance is less than the Maximum Balance Charge, then the fee assessed will be the current balance. Old Database Field Name: C-MAX-CHG (de-implemented from VCU123 param file) Database Field Name: SHPR-MAX-BAL-CHARGE-AMT (VCU123) Valid Values: 0 Minimum Balance 1 Aggregate Balance Old Database Field Name: C-POST-PURPOSE (de-implemented from VCU123 param file) Database Field Name: SHPR-MIN-BAL-FEE-CODE (VCU123) Page 29 of 279

30 Share Product Class Information Minimum Balance Charge Field Description Valid Entries/Comments Balance Amount: Close if Account has Zero Balance?: Exempt From Minimum Balance if Member has Open: Certificates: Share Drafts: Consumer Loans: Clubs: Indicates the balance amount if the share minimum balance /aggregate balance is below this amount then the Maximum Balance Charge is assessed. Indicates if the system will close a share account when it has a zero balance and no open suffixes, ATM cards, MIDAS distributions or with a Safe Dep Box field on the General Share Information/Page 2 screen greater than zero will be closed by the system. Indicates whether or not the member is exempt from the minimum balance charge based on other open suffixes. Indicates that the account is exempt from the minimum balance fee if the member has an open certificate of deposit. Indicates that the account is exempt from the minimum balance fee if the member has an open share draft(s). Indicates that the account is exempt from the minimum balance fee if the member has an open consumer loan(s). Indicates that the account is exempt from the minimum balance fee if the member has an open club(s). monetary format Old Database Field Name: C-MIN-BAL or C-AGGREGATE- BAL (de-implemented from VCU123 param file) Database Field Name: SHPR-MIN-AGGR-BAL-AMT (VCU123) Valid Values: No Yes Old Database Field Name: SW3 off Replace use of SW3 with this share product field. Database Field Name: SHPR-MIN-BAL-CLOSE-ZERO-BAL- IND (VCU123) Valid Values: No Yes Old Database Field Name: C-CD-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR-MIN-BAL-EXEMPT-CD-IND (VCU123) Valid Values: No Yes Old Database Field Name: C-SD-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR-MIN-BAL-EXEMPT-SD-IND (VCU123) Valid Values: No Yes Old Database Field Name: C-LN-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR-MIN-BAL-EXEMPT-LOAN-IND (VCU123) Valid Values: No Yes Old Database Field Name: C-CB-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR-MIN-BAL-EXEMPT-CLUB-IND (VCU123) Page 30 of 279

31 Share Product Class Information Minimum Balance Charge Field Description Valid Entries/Comments Money Market: Credit Card: Mortgage Loan: Exempt member from Minimum Balance Fee if: Age Below: Age Above: Indicates that the account is exempt from the minimum balance fee if the member has an open money market(s). Indicates that the account is exempt from the minimum balance fee if the member has an open credit card(s). Indicates that the account is exempt from the minimum balance fee if the member has an open mortgage loan(s). Indicates whether or not the member is exempt from the minimum balance charge based on age. Indicates that the account is exempt from the minimum balance fee if the member s age is below this value. Indicates that the account is exempt from the minimum balance fee if the member s age is greater than this value. Valid Values: No Yes Old Database Field Name: C-MM-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR-MIN-BAL-EXEMPT-MM-IND (VCU123) Valid Values: No Yes Old Database Field Name: C-CC-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR-MIN-BAL-EXEMPT-CC-IND (VCU123) Valid Values: No Yes Old Database Field Name: C-ML-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR-MIN-BAL-EXEMPT-MTG-IND (VCU123) 2 digits Old Database Field Name: C-AGE-BELOW-EXEMPT (deimplemented from VCU123 param file) Database Field Name: SHPR-MIN-BAL-EXEMPT-BELOW- AGE (VCU123) 2 digits Old Database Field Name: C-AGE-ABOVE-EXEMPT (deimplemented from VCU123 param file) Database Field Name: SHPR-MIN-BAL-EXEMPT-ABOVE- AGE (VCU123) Page 31 of 279

32 Share Product Class Information Dormancy Fee Field Description Valid Entries/Comments Dormancy Fee: Indicates the fee amount to be charged when an account is dormant. monetary format Old Database Field Name: C-MAX-CHG (de-implemented from VCU123 param file) Database Field Name: SHPR-DORMANT-FEE-AMT (VCU123) Dormancy Days: No Fee if Balance Greater than: Closed if Account has Zero Balance?: Exempt From Dormancy Fee if Member has Open: Certificates: Share Drafts: Indicates the number of days of inactivity after which an account is considered dormant. Indicates that no fee is assessed if the balance is greater than this amount. Indicates if the system will close a share account when it has a zero balance and no open suffixes, ATM cards, MIDAS distributions or with a Safe Dep Box field on the General Share Information/Page 2 screen greater than zero will be closed by the system. Indicates whether or not the member is exempt from the dormancy fee based on other open suffixes. Indicates that the account is exempt from the dormancy fee if the member has an open certificate of deposit. Indicates that the account is exempt from the dormancy fee if the member has an open share draft. 3 digits Old Database Field Name: C-GRACE-DAYS (de-implemented from VCU123 param file) Database Field Name: SHPR-DORMANT-AFTER-DAYS-QTY (VCU123) monetary format Old Database Field Name: C-MIN-BAL (de-implemented from VCU123 param file) Database Field Name: SHPR-DORMANT-MIN-BAL-FEE- AMT (VCU123) Valid Values: No Yes NOTE: the Safe Dep Box field is no longer used for its original purpose and is a custom/credit union defined field. Old Database Field Name: SW3 off Replace use of SW3 with this share product field. Database Field Name: SHPR-DORMANT-CLOSE-ZERO-IND (VCU123) Valid Values: No Yes Old Database Field Name: C-CD-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR-DORMANT-EXEMPT-CD-IND (VCU123) Valid Values: No Yes Old Database Field Name: C-SD-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR- DORMANT -EXEMPT-SD-IND (VCU123) Page 32 of 279

33 Share Product Class Information Dormancy Fee Field Description Valid Entries/Comments Consumer Loans: Clubs: Money Market: Credit Card: Mortgage Loan: Indicates that the account is exempt from the dormancy fee if the member has an open consumer loan. Indicates that the account is exempt from the dormancy fee if the member has an open club. Indicates that the account is exempt from the dormancy fee if the member has an open money market. Indicates that the account is exempt from the dormancy fee if the member has an open credit card. Indicates that the account is exempt from the dormancy fee if the member has an open mortgage loan. Valid Values: No Yes Old Database Field Name: C-LN-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR- DORMANT -EXEMPT-LOAN- IND (VCU123) Valid Values: No Yes Old Database Field Name: C-CB-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR- DORMANT -EXEMPT-CLUB- IND (VCU123) Valid Values: No Yes Old Database Field Name: C-MM-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR- DORMANT -EXEMPT-MM-IND (VCU123) Valid Values: No Yes Old Database Field Name: C-CC-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR- DORMANT -EXEMPT-CC-IND (VCU123) Valid Values: No Yes Old Database Field Name: C-ML-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR- DORMANT -EXEMPT-MTG- IND (VCU123) Page 33 of 279

34 Share Product Class Information Dormancy Fee Field Description Valid Entries/Comments Exempt member from Dormancy Fee if: Age Below: Age Above: Indicates whether or not the member is exempt from the dormancy fee based on age. Indicates that the account is exempt from the dormancy fee if the member s age is below this value. Indicates that the account is exempt from the dormancy fee if the member s age is greater than this value. 2 digits Old Database Field Name: C-AGE-BELOW-EXEMPT (deimplemented from VCU123 param file) Database Field Name: SHPR- DORMANT -EXEMPT-BELOW- AGE (VCU123) 2 digits Old Database Field Name: C-AGE-ABOVE-EXEMPT (deimplemented from VCU123 param file) Database Field Name: SHPR- DORMANT-EXEMPT-ABOVE- AGE (VCU123) Page 34 of 279

35 Inactivity/Abandoned Prop Fee The Share Product Class Information/Inactivity/Abandoned Prop Fee screen displays: (6) Complete all applicable fields in the Inactivity/Abandoned Prop Fee tab as defined by your credit union s policies and procedures. Share Product Class Information Inactivity Fee Field Description Valid Entries/Comments Inactivity Fee: Indicates the fee amount to be charged when an account is inactive. monetary format Old Database Field Name: C-MAX-CHG (de-implemented from VCU123 param file) Database Field Name: SHPR-INACTIVE-FEE-AMT (VCU123) Inactivity Days: No Fee if Balance Greater Than: Indicates the number of days without activity after which an account is considered inactive. Indicates that no fee is assessed if the balance is greater than this value. 3 digits Old Database Field Name: C-DORM-DAYS (de-implemented from VCU123 param file) Database Field Name: SHPR-INACTIVE-AFTER-DAYS-QTY (VCU123) monetary format Old Database Field Name: C-MIN-BAL (de-implemented from VCU123 param file) Database Field Name: SHPR-INACTIVE-MIN-BAL-FEE-AMT (VCU123) Page 35 of 279

36 Share Product Class Information Inactivity Fee Field Description Valid Entries/Comments Minimum Balance to be left in account: Close if Account has Zero Balance?: Exempt From Minimum Balance if Member has Open: Certificates: Share Drafts: Consumer Loans: Clubs: Minimum balance (par value) left in the account after the fee is assessed. Indicates if the system will close a share account when it has a zero balance and no open suffixes, ATM cards, MIDAS distributions or with a Safe Dep Box field on the General Share Information/Page 2 screen greater than zero will be closed by the system. Indicates whether or not the member is exempt from the minimum balance charge based on other open suffixes. Indicates that the account is exempt from the inactive fee if the member has an open certificate of deposit. Indicates that the account is exempt from the inactive fee if the member has an open share draft. Indicates that the account is exempt from the inactive fee if the member has an open consumer loan. Indicates that the account is exempt from the inactive fee if the member has an open club. monetary format Old Database Field Name: C-PAL-VAL (de-implemented from VCU123 param file) Database Field Name: SHPR-INACTIVE-MIN-BAL-AMT (VCU123) Valid Values: No Yes Old Database Field Name: SW3 off Replace use of SW3 with this share product field. Database Field Name: SHPR-INACTIVE-CLOSE-ZERO-IND (VCU123) Valid Values: No Yes Old Database Field Name: C-CD-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR- INACTIVE -EXEMPT-CD-IND (VCU123) Valid Values: No Yes Old Database Field Name: C-SD-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR- INACTIVE -EXEMPT-SD-IND (VCU123) Valid Values: No Yes Old Database Field Name: C-LN-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR- INACTIVE -EXEMPT-LOAN- IND (VCU123) Valid Values: No Yes Old Database Field Name: C-CB-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR- INACTIVE -EXEMPT-CLUB- IND (VCU123) Page 36 of 279

37 Share Product Class Information Inactivity Fee Field Description Valid Entries/Comments Money Market: Money market. Valid Values: Credit Card: Mortgage Loan: Exempt member from Minimum Balance Fee if: Age Below: Age Above: Indicates that the account is exempt from the inactive fee if the member has an open credit card. Indicates that the account is exempt from the inactive fee if the member has an open mortgage loan. Indicates whether or not the member is exempt from the minimum balance charge based on age. Indicates that the account is exempt from the inactive fee if the member s age is greater than this value. Indicates that the account is exempt from the inactive fee if the member s age is greater than this value. No Yes Old Database Field Name: C-MM-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR- INACTIVE -EXEMPT-MM-IND (VCU123) Valid Values: No Yes Old Database Field Name: C-CC-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR- INACTIVE -EXEMPT-CC-IND (VCU123) Valid Values: No Yes Old Database Field Name: C-ML-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR- INACTIVE -EXEMPT-MTG-IND (VCU123) 2 digits Old Database Field Name: C-AGE-BELOW-EXEMPT (deimplemented from VCU123 param file) Database Field Name: SHPR- INACTIVE -EXEMPT-BELOW- AGE (VCU123) 2 digits Old Database Field Name: C-AGE-ABOVE-EXEMPT (deimplemented from VCU123 param file) Database Field Name: SHPR- INACTIVE -EXEMPT-ABOVE- AGE (VCU123) Page 37 of 279

38 Share Product Class Information Abandoned Property Fee Field Description Valid Entries/Comments Abandoned Property Fee: Minimum Balance to be left in account: Inactive Days: Mail Code to determine accounts with abandoned property?: Exempt From Abandon Property Fee if Member has Open: Certificates: Share Drafts: Indicates the fee amount to be charged when an account is abandoned. Minimum balance (par value) left in the account after the fee is assessed. Indicates the number of days without activity after which an account is considered abandoned. Indicates the mail code to determine accounts with abandoned property. If the mail code in this field matches the mail code on the share account, then the property is considered abandoned. Indicates whether or not the member is exempt from the dormancy fee based on other open suffixes. Indicates that the account is exempt from the abandoned property fee if the member has an open certificate of deposit. Indicates that the account is exempt from the abandoned property fee if the member has an open share draft. monetary format Old Database Field Name: C-MAX-CHG (de-implemented from VCU123 param file) Database Field Name: SHPR-ABANDON-PROPERTY-FEE- AMT (VCU123) monetary format Old Database Field Name: C-PAL-VAL (de-implemented from VCU123 param file) Database Field Name: SHPR- ABANDON-MIN-BAL-AMT (VCU123) 3 digits Old Database Field Name: C-DORM-DAYS (de-implemented from VCU123 param file) Database Field Name: SHPR- ABANDON-INACTIVE-DAYS- QTY (VCU123) System Defined Values: 0 1 = Mail Credit Union Defined Codes Valid Values: 2 9 = Do Not Mail CU defined descriptions Old Database Field Name: C-MAIL-CODE-OPT (deimplemented from VCU123 param file) Database Field Name: SHPR- ABANDON-MAIL-CODE-AMT (VCU123) Valid Values: No Yes Old Database Field Name: C-CD-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR- ABANDON- EXEMPT-CD-IND (VCU123) Valid Values: No Yes Old Database Field Name: C-SD-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR- ABANDON- EXEMPT-SD-IND (VCU123) Page 38 of 279

39 Share Product Class Information Abandoned Property Fee Field Description Valid Entries/Comments Consumer Loans: Clubs: Money Market: Credit Card: Mortgage Loan: Indicates that the account is exempt from the abandoned property fee if the member has an open consumer loan. Indicates that the account is exempt from the abandoned property fee if the member has an open club. Indicates that the account is exempt from the abandoned property fee if the member has an open money market. Indicates that the account is exempt from the abandoned property fee if the member has an open credit card. Indicates that the account is exempt from the abandoned property fee if the member has an open mortgage loan. Valid Values: No Yes Old Database Field Name: C-LN-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR- ABANDON- LOAN-IND (VCU123) Valid Values: No Yes Old Database Field Name: C-CB-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR- ABANDON- EXEMPT-CLUB- IND (VCU123) Valid Values: No Yes Old Database Field Name: C-MM-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR- ABANDON- EXEMPT-MM-IND (VCU123) Valid Values: No Yes Old Database Field Name: C-CC-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR- ABANDON- EXEMPT-CC-IND (VCU123) Valid Values: No Yes Old Database Field Name: C-ML-EXCEPT (de-implemented from VCU123 param file) Database Field Name: SHPR- ABANDON- EXEMPT-MTG- IND (VCU123) Page 39 of 279

40 Share Product Class Information Abandoned Property Fee Field Description Valid Entries/Comments Exempt member from Dormancy Fee if: Age Below: Age Above: Indicates whether or not the member is exempt from the dormancy fee based on age. Indicates if the member s age is below this value then no fee is assessed. Indicates if the member s age is above this value then no fee is assessed. 2 digits Old Database Field Name: C-AGE-BELOW-EXEMPT (deimplemented from VCU123 param file) Database Field Name: SHPR- ABANDON- EXEMPT-BELOW- AGE (VCU123) 2 digits Old Database Field Name: C-AGE-ABOVE-EXEMPT (deimplemented from VCU123 param file) Database Field Name: SHPR- ABANDON- EXEMPT-ABOVE- AGE (VCU123) Page 40 of 279

41 Statement Fee Options There is a tab under Manager/Institution/Shares/Product Classes called Statement Fee Options. When you click on this tab, the following screen displays: 7. Click the <Modify> button to edit the statement fee options for an existing Product Class or simply complete the following fields when adding a new Product Class. Share Product Class Information Statement Fee Options Field Description Valid Entries/Comments Assess Statement Fee? Indicates whether to assess a Valid Entries: Statement Fee. - Yes - No Defaults to No. When the user selects Yes, the fee amount is required. Page 41 of 279

42 Fee Amount Indicates the Fee Amount. Defaults to The Fee Amount will be enabled once Assess Statement Fee? has been set to Yes. The fee can be.01 up to Fee Posting Options Deduct fee from Select one of the following options to define which account the statement print fee will be deducted from: 1 Draft account if available; if not post to Shares when this posting option is selected, the statement fee program will first attempt to assess the fee from the draft account(s) in numeric order and if not available, will deduct the fee from the share account. 2 Shares if available; if not post to Draft(s) when this posting option is selected, the statement fee program will first attempt to assess the fee from the share account and if not available, will deduct the fee from the draft account(s). Fee Balance Option 1 Fee to zero available balance if this option is selected, the fee will not take the account below the available balance (all holds will be considered). Exemptions Exempt if account receives e-statement? Valid options : 2 Fee to zero current balance if this option is selected, the fee may take the account below the available balance but not below the current balance, i.e. the account will not be taken negative. 3 Fee to zero current balance; auto close shares - if this option is selected, the fee may take the account below the available balance but not below the current balance, i.e. the account will not be taken negative AND if the fee takes the share account to a zero balance and no other suffixes are opened, the share account will be closed and noted on the report. 4 Allow fee to take account to negative balance if this option is selected, the fee may take the account negative. Also, when this option is selected, the system will verify the share product field Allow negative balance and if set to 0-No, the system will display a warning message Share Product Class Allow Negative Balance is set to No. Select <OK> to continue. - Yes - No Defaults to No. If yes, any account set up to receive e- Statements will be exempt from the statement print fee. Exempt if below age: Exempt if above age: Exempt Account if Aggregate Deposit Balance greater than: the credit union may enter the age in which accounts will be exempt if the primary owner is below this age. the credit union may enter the age in which accounts will be exempt if the primary owner is above this age If the credit union wants to exempt an account because the account has an aggregate deposit balance greater than a specified amount, that amount will be entered here. Zero is a valid option. For example, if set to 18, all members below the age of 18 will be exempt but members at least 18 may be assessed a fee. For example, if set to 55, all members above this age will be exempt but members up to and including age 55 may be assessed a fee. For example, if this field is set to $100,000, all accounts with an aggregate deposit current balance $100,000 and higher will be exempt from this fee, to be entered in whole dollars. Page 42 of 279

43 Exempt Account if Aggregate Loan Balance greater than: Exempt if account has only share and no other open suffixes? Exempt if Share open days greater than: Exempt share mail code Exempt audit flag If the credit union wants to exempt an account because of an aggregate outstanding loan balance is greater than a specified amount, that amount would be entered in this field. Select from a drop down list any mail code that has been defined by the credit union. If account s share mail code is equal to any of the exempt mail codes, the account will not be assessed a statement fee. The system will display each mail code selected for exemption and allow the user to be able to delete the mail code from the exemption list. Once the user selects a mail code to be exempt, the system will remove the mail code from the drop-down list. If the user deletes the mail code from the exempted list, the system will add the mail code back to the drop-down list. Select from a drop-down list any audit flags defined by the credit union. If account s share audit flag is equal to any of the exempt audit flags, the account will not be assessed a statement fee. The system will display each audit flag selected for exemption and provide the ability for the user to delete the audit flag from the exemption list. Once the user selects a audit flag to be exempt, the system will remove the audit flag from the drop-down list. If the user deletes the audit flag from the exempted list, the system will add the audit flag back to the drop-down list. For example, if this field is set to $25,000, all accounts with an aggregate outstanding loan balance $25,000 and higher will be exempt from this fee, to be entered in whole dollars. Valid options : - Yes - No Defaults to No. If Yes, accounts with just an open share account will be exempt from the fee. Defaults to 0, however, the user can enter up to days. If set to 0, then the share open date will not be considered. The exempted mail codes will be displayed in numeric order. The exempted audit flags will be displayed in numeric order. Page 43 of 279

44 Exempt NCUSIF Codes: The system will display a dropdown list with all NCUSIF type codes defined by the credit union. The system will have an option exempt if NCUSIF Code is greater than 39 so that the user does not have to select every NCUSIF Code that is defined if the credit union wants all special accounts exempt. The system will display each NCUSIF code selected for exemption and provide the ability for the user to delete the NCUSIF code from the exemption list. Once the user selects a NCUSIF code to be exempt, the system will remove the NCUSIF code from the dropdown list. If the user deletes the NCUSIF code from the exempted list, the system will add the NCUSIF code back to the dropdown list. The exempted NCUSIF codes will be displayed in numeric order. 8. Click <Save> when finished. The Share Product Classes screen displays: 9. Click on the Done button to return to the Main Navigation screen. ~end~ Page 44 of 279

45 File Maintaining a Share Product Class This procedure assumes you are starting from the Main Navigation screen. The Main Navigation screen displays: (1) To file maintain a Share Product Class, click on Manager on the menu bar and select Institution/Shares/Product Classes from the drop-down list. The Share Product Classes screen displays: (2) Click on the Edit icon of the share product class to be file maintained. Page 45 of 279

46 The Share Product Class Information screen displays: (3) Click on the Modify button to file maintain the share product class information. NOTE: The Share Product Class Information screen contains the same fields included in the Setting Up a New Share Product Class procedure; refer to this section for detailed field descriptions. The Share Product Class Information screen displays: (4) Once all changes have been made, click on the Save button. Page 46 of 279

47 The Share Product Class Information screen displays: (5) Click on the Cancel button to return to the Share Product Classes screen. The Share Product Classes screen displays: (6) Click on the Done button to return to the Main Navigation screen. ~end~ Page 47 of 279

48 Deleting a Share Product Class This procedure assumes you are starting from the i-power Main Navigation screen. The Main Navigation screen displays: (1) To delete a Share Product Class, click on Manager on the menu bar and select Institution/Shares/Product Classes from the drop-down list. The Share Product Classes screen displays: (2) Click on the Delete icon of the share product class to be deleted. Page 48 of 279

49 The Delete Share Product Class Confirmation screen displays: (3) Click on the OK button to delete the share product class. The Share Product Classes screen displays: (4) Click on the Done button to return to the Main Navigation screen. ~end~ Page 49 of 279

50 Share Product Class Maintenance History Viewing the Maintenance History This procedure assumes you are starting from the i-power Main Navigation screen. The Main Navigation screen displays: (1) To view a Share Product Class Maintenance History, click on Manager on the menu bar and select Institution/Shares/Product Classes from the drop-down list. The Share Product Classes screen displays: (2) Click on the History icon of the share product class you wish to view. Page 50 of 279

51 The Maintenance History screen displays: (3) Click on the Done button to return to the Share Product Classes screen. ~end~ Page 51 of 279

52 Printing the File Maintenance History Report The Share Product Classes screen displays: (1) Click on the on the History icon of the share product class you wish to print. The Maintenance History screen displays: (2) Click on the Print button. Page 52 of 279

53 The Adobe Reader window displays: (3) Click on the print icon to advance to the Print dialog box. The Print dialog box displays: (4) Click on the OK button to send the document to the laser printer. Page 53 of 279

54 The Adobe Reader window displays: (5) To close the window and return to the Maintenance History screen, click on the button located in the upper right corner of the window. ~end~ Page 54 of 279

55 Printing the Share Product Class Report This procedure assumes you are starting from the Share Product Classes screen. The Share Product Classes screen displays: (1) Click on the on the Print icon of the share product class you wish to print. The Adobe Reader window displays: (2) Click on the print icon to advance to the Print dialog box. Page 55 of 279

56 The Print dialog box displays: (3) Click on the OK button to send the document to the laser printer. The Adobe Reader window displays: (4) To close the window and return to the Share Product Classes screen, click on the button located in the upper right corner of the window. Page 56 of 279

57 The Share Product Classes screen displays: (5) Click on the Done button to return to the Main Navigation screen. ~end~ Page 57 of 279

58 Regulation D Transactions Overview The Federal Reserve Board s Regulation D governs the deposit requirements for transaction account and time account. Examples of accounts that are considered transaction accounts include checking accounts and demand deposit accounts. All savings accounts are time deposits, but not all time accounts are savings accounts. Examples of savings accounts are regular savings accounts, Money Market accounts and share accounts. Regulation D also governs the amount of reserves a financial institution must maintain in connection with these accounts. All financial institutions are subject to this regulation. Pursuant to Regulation D, non-transaction accounts may have up to six (6) preauthorized or automatic withdrawals or transfers to another account at the same credit union or to a third party during a calendar month. You may have no more than three (3) of these six (6) transfers made by check, debit card or similar order and payable to third parties. A preauthorized transfer includes any arrangement that the Credit Union makes either to pay a third party from the account of a member on written or verbal instruction or to pay a third party from the account of the member at a predetermined time or on a fixed schedule. The table shown below indicates that status of the various types of transactions. Withdrawals Request is made: Check Mailed to Member Check Mailed to Third Party In Person Unlimited By Messenger Unlimited By Mail Unlimited At an ATM Unlimited By telephone to a Teller Unlimited 6 per month/3 by check Through Automated Unlimited 6 per month/3 by check Telephone Teller By Fax Unlimited 6 per month/3 by check By Homebanking Unlimited 6 per month/3 by check Transfers Request is made: Between account of Same Member To a Third Party In Person Unlimited By Messenger Unlimited By Mail Unlimited At an ATM Unlimited By telephone to a Teller 6 per month/3 by debit card (POS) 6 per month/3 by debit card (POS) Through Automated 6 per month/3 by debit card (POS) 6 per month/3 by debit card (POS) Telephone Teller By Fax 6 per month/3 by debit card (POS) 6 per month/3 by debit card (POS) By Homebanking 6 per month/3 by debit card (POS) 6 per month/3 by debit card (POS) To Pay a Credit Union Loan Unlimited Preauthorized Transfer 6 per month/3 by debit card (POS) 6 per month/3 by debit card (POS) Automatic Transfer 6 per month/3 by debit card (POS) 6 per month/3 by debit card (POS) Bill Payment 6 per month/3 by debit card (POS) 6 per month/3 by debit card (POS) Page 58 of 279

59 Opening a Basic Share Account This section describes the details of opening new share accounts within i-power. NOTE: How to Fund the account is not explained in this document; detailed documentation is provided under the Financial Transaction User s Guide. This procedure assumes you are starting from i-power s Main Navigation screen. The Main Navigation screen displays: (1) To open a basic share account, click on Member Services on the menu bar and select New Member from the dropdown list. Page 59 of 279

60 The New Member screen displays: (2) Enter the member s Social Security Number. It is not necessary to enter the hyphens when typing the SSN. (3) Click on the Go button to advance. When the SSN already exists within the database, all existing accounts associated with the SSN will be displayed and any Member Comments will be displayed: (3a) Click on the Next button to advance to the Owners screen. (3b) Click on the Cancel button if you want to discontinue the opening of the share account. NOTE: Member Comments are associated with a member s SSN and are never purged from the system. Page 60 of 279

61 Member Demographics There are six tabs within the Owner screen: Home Previous Home Employment Previous Employment Temporary Mailing Identification Home The Home screen displays: (4) Completed all applicable fields in the Home screen as defined by your credit union s policies and procedures. NOTE: If the SSN already exists in the credit union s database, the demographic information tied to the SSN is automatically populated and the user may make modifications as applicable. Owner Home Field Description Valid Entries/Comments Full Name: Member s full name. 35 alphanumeric characters First, middle and last name format This is the name that is printed on any system-generated mailing such as statements and notices. Database Field Name: MA-NAME-1 Page 61 of 279

62 Owner Home Field Description Valid Entries/Comments Last-Name First-Name: U.S. Citizen: Relationship: Shortened version of the member s name. Indicates whether the member is a US citizen or foreign. Relationship of this owner to the primary member. 15 alphanumeric characters Last Name first, First Name last format The system uses the first two letters of the entry in this field as the verify letters in addition to searches by last member s last name. This name is printed on internal reports, but is not printed on the member s statement. Database Field Name: MA-SHORT-NAME Valid Values: Yes No The word Member appears in this field for a new share account. This field cannot be changed on a new share account. This field is credit union defined; refer to the Customizing I- POWER Settings Guide for detailed information on the setup and maintenance of this field. Birth Date: Member s date of birth. mmddccyy format This field is also required for calculating Credit Life/Disability and IRA Distributions when applicable. Database Field Name: MA-DT-OF-BIRTH Death Date: Indicates the member s date of death. mmddccyy format Database Field Name: MA-DT-OF-DEATH Address Type: Indicates whether the member address is domestic or foreign. Valid Values: Domestic Foreign Database Field Name: PADR-FOREIGN-IND Address 1: Current address of the member. 35 alphanumeric characters Database Field Name: PADR-ADDR1 Address 2: Continuation of Address alphanumeric characters Often used for the P.O. Box number. If you are entering a foreign address, use this line to enter the foreign province, county, and zip code. Database Field Name: PADR-ADDR2 City: City in which the member currently resides. 35 alphanumeric characters Database Field Name: PADR-CITY State/Province: Indicates the state or province in which the member currently resides. Required Field 2 alpha characters or 20 alphanumeric characters NOTE: When the Address Type = Domestic use the State dropdown list. When the Address Type = Foreign, type the province name. Database Field Name: PADR-STATE-PROVINCE Postal Code: Member s current zip code. 5 digit postal zip code and 4 digit extension If you do not know the four-digit extension for the Zip Code, type four zeros or leave blank. Database Field Name: PADR-ZIP County: County in which the member currently resides. 20 alphanumeric characters NOTE: when the Address Type = Foreign, this field is disabled. Database Field Name: PADR-COUNTY Page 62 of 279

63 Owner Home Field Description Valid Entries/Comments Country Years: Months: Residence: Phone: Mobile: Pager: Indicates the country in which the member currently resides. Number of years the member has resided at the current address. Number of months the member has resided at the current address. The status of the member s current residence. Member s area code and telephone number. Member s cell area code and telephone number. Indicates the member s pager area code and telephone number. Member s personal address. *See the Address Enhancement section for additional details. Valid Values: drop-down list contains all country names NOTE: this field default to United States when the Address Type = Domestic and this field is disabled. When the Address Type = Foreign, then you may select a country name from the drop-down list. Database Field Name: PADR-COUNTRY 2 digits Valid Values: 0 11 Valid Values: Buying Own Renting Living with relative Not in this list Database Field Name: PADR-BUY-RENT-OWN-CODE 10 digits It is not necessary to enter any hyphens - or parentheses ( ) between the numbers. The system will automatically place parentheses around the area code and a hyphen between the prefix and suffix, i.e., (555) digits It is not necessary to enter any hyphens - or parentheses ( ) between the numbers. The system will automatically place parentheses around the area code and a hyphen between the prefix and suffix, i.e., (555) digits It is not necessary to enter any hyphens - or parentheses ( ) between the numbers. The system will automatically place parentheses around the area code and a hyphen between the prefix and suffix, i.e., (555) alphanumeric characters Ensure at least/only one At exists and such as ipower@epl.net Ensure consecutive Periods. do not exist such as ipower..@epl.net Ensure no empty spaces exist such as ipower ipower@epl.net The period. when entered before the At cannot be next to such as ipower.@epl.net. Please note that s such as ipower.ipower@epl.net will be permitted. Page 63 of 279

64 Owner Home Field Description Valid Entries/Comments Drivers License: Member s drivers license number. 20 alphanumeric characters State: DL Description: DL Issuance Date: DL Expiration Date: DL Verification Date: The state in which the member s drivers license was issued. Indicates additional information regarding the driver s license the member presented. Indicates the date the driver s license was issued. Indicates the date the driver s license will expire. Indicates the date the credit union verified this driver s license. 2 alpha characters Use the two-digit abbreviation of the US Postal Service. 25 alphanumeric characters mmddccyy format mmddccyy format mmddccyy format TIP: You may click on the Save button and bypass the Previous Home, Employment, Previous Employment, Temporary Mailing and Identification screens. NOTE: All fields are not required; however if the Full Name, Last-Name First-Name, Address 1, City State, Zip and Birth Date fields are not completed, the system will automatically assign a Share Warning to the account. One of the following Warning Code/Descriptions will be assigned to the share account: Warning Code Warning Description 1 Missing Members name and address 4 Missing new account file maintenance 5 Combination of warning flags 01 and No date of birth 11 Combination of warning flags 01 and 10 (5) From the Home tab, click on the Next button, the Previous Home screen is displayed. If you continue clicking on the Next button and you will advance to the Employment, Previous Employment, Temporary Mailing and Identification screens. TIP: You may also navigate to the Home, Previous Home, Employment, Previous Employment, Temporary Mailing and Identification tabs by clicking on the tabs rather than using the Next button. Page 64 of 279

65 Previous Home The Previous Home screen displays: (6) Completed all applicable fields in the Previous Home screen as defined by your credit union s policies and procedures. Owner Previous Home Field Description Valid Entries/Comments Address Type: Indicates whether the member address is domestic or foreign. Valid Values: Domestic Foreign Address 1: Previous address of the member. 35 alphanumeric characters Address 2: Continuation of Address alphanumeric characters Often used for the P.O. Box number. If you are entering a foreign address, use this line to enter the foreign province, county, and zip code. City: State/Province: Previous city in which the member resided. Indicates the state or province in which the member previously resided. 35 alphanumeric characters 2 alpha characters or 20 alphanumeric characters NOTE: When the Address Type = Domestic use the State dropdown list. When the Address Type = Foreign, type the province name. Postal Code: Member s previous zip code. 5 digit postal zip code and 4 digit extension If you do not know the four-digit extension for the Zip Code, type four zeros or leave blank. Country Indicates the country in which the member previously resided. Valid Values: drop-down list contains all country names NOTE: this field default to United States when the Address Type = Domestic and this field is disabled. When the Address Type = Foreign, then you may select a country name from the drop-down list. Page 65 of 279

66 Owner Previous Home Field Description Valid Entries/Comments How Long Years: Months: Number of years the member resided at the previous address. Number of months the member resided at the previous address. 2 digits Valid Values: 1-99 Valid Values: 0 11 TIP: You may click on the Save button and bypass the Employment, Previous Employment, Temporary Mailing and Identification screens. (7) From the Previous Home tab, click on the Next button, the Employment screen is displayed. Continue clicking on the Next button and you will advance to the Previous Employment, Temporary Mailing and Identification screens. TIP: You may also navigate to the Home, Previous Home, Employment, Previous Employment, Temporary Mailing and Identification tabs by clicking on the tabs rather than using the Next button. Page 66 of 279

67 Employment The Employer Demographics screen displays: (8) Completed all applicable fields in the Employer Demographics screen as defined by your credit union s policies and procedures. Owner Employer Demographics Field Description Valid Entries/Comments Employer: Occupation: Date Hired: Address Type: Address 1: Indicates the member s current employer name. Indicates the member s occupation, position, rank or grade. Indicates the member s date of hire. Indicates whether the member address is domestic or foreign. Indicates the current address of the member s employer. 25 alphanumeric characters 20 alphanumeric characters mmddccyy format Valid Values: Domestic Foreign 35 alphanumeric characters Address 2: Continuation of Address alphanumeric characters City: Indicates the current city in which 35 alphanumeric characters the member is employed. State/Province: Indicates the state or province in 2 alpha characters or 20 alphanumeric characters which the member previously NOTE: When the Address Type = Domestic use the State dropdown list. When the Address Type = Foreign, type the resided. province name. Postal Code: Indicates the member s current employer zip code. 5 digit postal zip code and 4 digit extension If you do not know the four-digit extension for the Zip Code, type four zeros or leave blank. Page 67 of 279

68 Owner Employer Demographics Field Description Valid Entries/Comments Country Phone: Extension: Mobile: Indicates the country in which the member previously resided. Member s current work area code and telephone number. Indicates the member s work phone extension number. Member s work cell area code and telephone number. Member s work address. *See the Address Enhancement section for additional details. Valid Values: drop-down list contains all country names NOTE: this field default to United States when the Address Type = Domestic and this field is disabled. When the Address Type = Foreign, then you may select a country name from the drop-down list. 10 digits It is not necessary to enter any hyphens - or parentheses ( ) between the numbers. The system will automatically place parentheses around the area code and a hyphen between the prefix and suffix, i.e., (555) digits 10 digits It is not necessary to enter any hyphens - or parentheses ( ) between the numbers. The system will automatically place parentheses around the area code and a hyphen between the prefix and suffix, i.e., (555) alphanumeric characters Ensure at least/only one At exists and such as ipower@epl.net Ensure consecutive Periods. do not exist such as ipower..@epl.net Ensure no empty spaces exist such as ipower ipower@epl.net The period. when entered before the At cannot be next to such as ipower.@epl.net. Please note that s such as ipower.ipower@epl.net will be permitted. TIP: You may click on the Save button and bypass the Previous Employment, Temporary Mailing and Identification screens. (9) From the Employment tab, click on the Next button, the Previous Employment screen is displayed. If you continue clicking on the Next button and you will advance to the Temporary Mailing screen. TIP: You may also navigate to the Home, Previous Home, Employment, Previous Employment, Temporary Mailing and Identification tabs by clicking on the tabs rather than using the Next button. Page 68 of 279

69 Previous Employment The Previous Employment screen displays: (10) Completed all applicable fields in the Previous Employment screen as defined by your credit union s policies and procedures. Owner Previous Employment Field Description Valid Entries/Comments Employer: Address Type: Address 1: Member s previous employer name. Indicates whether the member address is domestic or foreign. Previous address of the member s employer. 25 alphanumeric characters Valid Values: Domestic Foreign 35 alphanumeric characters Address 2: Continuation of Address alphanumeric characters City: City in which the member was 35 alphanumeric characters previously employed. State/Province: Indicates the state or province in 2 alpha characters or 20 alphanumeric characters which the member previously NOTE: When the Address Type = Domestic use the State dropdown list. When the Address Type = Foreign, type the resided. province name. Postal Code: Country Member s previous employer zip code. Indicates the country in which the member previously resided. 5 digit postal zip code and 4 digit extension If you do not know the four-digit extension for the Zip Code, type four zeros or leave blank. Valid Values: drop-down list contains all country names NOTE: this field default to United States when the Address Type = Domestic and this field is disabled. When the Address Type = Foreign, then you may select a country name from the drop-down list. Page 69 of 279

70 Owner Previous Employment Field Description Valid Entries/Comments How Long Years: Months: Number of years the member was employed. Number of months the member was employed. Valid Values: 1 99 Valid Values: 0-11 TIP: You may click on the Save button and bypass the Previous Employment, Temporary Mailing and Identification screens. (11) From the Previous Employment tab, click on the Next button, the Temporary Mailing screen is displayed. If you continue clicking on the Next button and you will advance to the Identification screen. TIP: You may also navigate to the Home, Previous Home, Employment, Previous Employment, Temporary Mailing and Identification tabs by clicking on the tabs rather than using the Next button. Page 70 of 279

71 Temporary Mailing The Temporary Mailing screen displays: (12) Completed all applicable fields in the Temporary Mailing screen as defined by your credit union s policies and procedures. Owner Temporary Mailing Field Description Valid Entries/Comments Address Type: Address 1: Indicates whether the temporary mailing address is domestic or foreign. Indicates the temporary mailing address of the member. Valid Values: Domestic Foreign 35 alphanumeric characters Address 2: Continuation of Address alphanumeric characters City: Indicates the temporary mailing 35 alphanumeric characters city of the member. State/Province: Indicates the temporary mailing state or province of the member. 2 alpha characters or 20 alphanumeric characters NOTE: When the Address Type = Domestic use the State dropdown list. When the Address Type = Foreign, type the province name. Postal Code: County: Indicates the temporary mailing postal code of the member. County in which the member currently resides. 5 digit postal zip code and 4 digit extension If you do not know the four-digit extension for the Zip Code, type four zeros or leave blank. 20 alphanumeric characters NOTE: when the Address Type = Foreign, this field is disabled. Page 71 of 279

72 Owner Temporary Mailing Field Description Valid Entries/Comments Country Phone: Start Date: End Date: Never Expire: Indicates the temporary mailing country of the member. Indicates the temporary mailing telephone number. Indicates the start date when all mailings are sent to the temporary mailing address. Indicates the end date when all mailings are sent to the Home or Work mailing address. Indicates that the temporary mailing address will all be used for all mailings and statements. Valid Values: drop-down list contains all country names NOTE: this field default to United States when the Address Type = Domestic and this field is disabled. When the Address Type = Foreign, then you may select a country name from the drop-down list. 10 digits It is not necessary to enter any hyphens - or parentheses ( ) between the numbers. The system will automatically place parentheses around the area code and a hyphen between the prefix and suffix, i.e., (555) mmddccyy format mmddccyy format Valid Values: Check box format Unchecked = Expires or not used Checked = Never Expire TIP: You may click on the Save button and bypass the Temporary Mailing and Identification screens. (13) From the Temporary Mailing tab, click on the Next button, the Identification screen is displayed. TIP: You may also navigate to the Home, Previous Home, Employment, Previous Employment, Temporary Mailing and Identification tabs by clicking on the tabs rather than using the Next button. Page 72 of 279

73 Identification The Identification screen displays: (14) Completed all applicable fields in the Identification screen as defined by your credit union s policies and procedures. Maintain Applicant Identification Identification 1 Field Description Valid Entries/Comments Documentary Flag: ID Type: ID Description: ID Number: ID Issuance Date: Indicates the type if identification the member presents. Indicates additional information regarding the identification the member presented. Indicates the identification number of the type of ID the member presented. Indicates the date the ID was issued. Valid Values: Documentary Identification Non- Documentary Identification Valid Values: Foreign Government Issued ID Foreign Passport Known Existing Member Military ID Card Resident Alien Card State ID Card Unknown US Passport 25 alphanumeric characters 30 alphanumeric characters mmddccyy format Page 73 of 279

74 Maintain Applicant Identification Identification 1 Field Description Valid Entries/Comments ID Expiration Date: ID Verification Date: Maintain Applicant Identification Identification 2 Indicates the date the ID will expire. Indicates the date the credit union verified this ID, mmddccyy format mmddccyy format Field Description Valid Entries/Comments Documentary Flag: ID Type: ID Description: ID Number: ID Issuance Date: ID Expiration Date: ID Verification Date: Indicates the type if identification the member presents. Indicates additional information regarding the identification the member presented. Indicates the identification number of the type of ID the member presented. Indicates the date the ID was issued. Indicates the date the ID will expire. Indicates the date the credit union verified this ID, Valid Values: Documentary Identification Non- Documentary Identification Valid Values: Foreign Government Issued ID Foreign Passport Known Existing Member Military ID Card Resident Alien Card State ID Card Unknown US Passport 25 alphanumeric characters 30 alphanumeric characters mmddccyy format mmddccyy format mmddccyy format Page 74 of 279

75 Maintain Applicant Identification Identification 3 Field Description Valid Entries/Comments Documentary Flag: ID Type: ID Description: ID Number: ID Issuance Date: ID Expiration Date: ID Verification Date: Indicates the type if identification the member presents. Indicates additional information regarding the identification the member presented. Indicates the identification number of the type of ID the member presented. Indicates the date the ID was issued. Indicates the date the ID will expire. Indicates the date the credit union verified this ID, Valid Values: Documentary Identification Non- Documentary Identification Valid Values: Foreign Government Issued ID Foreign Passport Known Existing Member Military ID Card Resident Alien Card State ID Card Unknown US Passport 25 alphanumeric characters 30 alphanumeric characters mmddccyy format mmddccyy format mmddccyy format (15) Click on the Save button once all applicable information is entered to advance to the Owners screen. Should you need to review or modify the member s information, click on the Edit icon to return to the Home, Previous Home, Employment, Previous Employment, Temporary Mailing and Identification screens. Page 75 of 279

76 Credit Report The Owners Screen displays: (16) A credit report may be viewed or requested at this time, click on the View Credit Report icon. If your credit union does not perform this function, then continue to Step 17. Viewing a Credit Report The Report List screen displays: To view a credit report, click on the Select icon of the report you wish to view. Page 76 of 279

77 The View Existing Report screen displays: ~end~ Printing a Credit Report The View Existing Report screen displays: To print the credit report, scroll to the bottom of the screen and click on the Print button. By clicking on the Print button, the Adobe Reader window opens. Page 77 of 279

78 The Adobe Reader window displays: Click on the print icon to advance to the Print dialog box. The Print dialog box displays: Click on the OK button to send the document to the laser printer. Page 78 of 279

79 The Adobe Reader window displays: To close the window and return to the Query Results screen, click on the button located in the upper right corner of the window. The View Existing Report screen displays: To exit the View Existing Report screen, click on the Cancel button. ~end~ Page 79 of 279

80 Requesting a New Credit Report The Report List screen displays: To request a new credit report, click on the New Report Request tab. The Request Report screen displays: Click on the Bureau field drop-down list and select the credit bureau you wish to request this report from. Page 80 of 279

81 The Request Report screen displays: Click on the Report Type field drop-down list and select the report type and tab to the Subtype field. Click on the Subtype field drop-down list and select the subtype and click on the Add icon.. NOTE: If you selected the Subtype Joint, then the Joint Name field is available; else it is not applicable Page 81 of 279

82 The Edit Member Information screen displays: Enter all applicable changes and click on the Save button when finished. NOTE: Entries in this screen must be entered in all caps. The Request Report screen displays: Click on the Submit button and you are returned to the Report List screen. Page 82 of 279

83 The Report List screen displays: Click on the Refresh tab to update the report list. The Report List screen displays: The requested report is now ready to be viewed and/or printed. Click on the Done button to return to the Main Navigation screen. Page 83 of 279

84 Adding Joint Owners The Owners Screen displays: (17) Joint Owner(s) may be added at this time; click on the Add Joint Owner tab. Follow the same process for adding the joint owner demographic information as you did for the member. NOTE: You may add up to 10 joint owners per each suffix. Page 84 of 279

85 Mail Recipient From the Owners screen, you may designate the address where member mailings are to be sent by clicking on the Mail icon. NOTE: During the new account workflow the Mail icon toggles between the Home and Work addresses. Once the account has been established, the Manage Owner Mail screen is available during maintenance. The Owners Screen displays: (18) Click on the Mail icon. This icon toggles between the Home and Work addresses of the member indicated in the Mail Recipient column. Page 85 of 279

86 If the Employment address does not exist, the system will not allow you to toggle to this address. You will receive a warning message: Warning 0 Demographic information does not contain employee address information. Taxpayer The Owners Screen displays: The Tax icon is disabled on the share account since the member is required to be the taxpayer unless the share account is coded as a Special Handling account. Please refer to Opening Special Handling Share Accounts in this document or the Special Handling Accounts User s Guide. For other suffixes, the Tax designated as the taxpayer. icon will be enabled when joint owners are present, the system will allow a joint owner to be Page 86 of 279

87 The Owners Screen displays: (19) Click on the Next button to advance to the New Member-Account Properties-New Share screen. Account Properties The New Member-Account Properties-New Share screen displays: (20) Complete all applicable fields in the Account Information, Account Options and Dividend Information sections as defined by your credit union s policies and procedures. Page 87 of 279

88 New Member Account Properties New Share Account Information Field Description Valid Entries/Comments Account Number: Product Class: Source Number: Basic Payroll Deduction Branch Number: Special Account Designation: Indicates the member s primary share account number. Indicates the description of the product class. Member s primary payroll source number, if applicable. Indicates whether the share account is setup to receive payroll deposits from the source indicated in the Source Number field. Indicates the branch number where the member's account resides (the member home branch). NCUSIF (National Credit Union Share Insurance Fund) type code. Up to 10 digits Database Field Name: MA-ACCT-NR 25 alphanumeric characters Database Field Name: SHPR-PROD-NAME Up to 5 digits Must be a valid (existing) payroll source. Creates a member distribution record and defaults the share account as the Control Account Suffix. If the source number is entered in this field, the system automatically creates a distribution record with a zero deduction amount and inserts the name of the source in the Employer field of the Employment tab of the member demographics screens. Refer to the MIDAS User s Guide for detailed information on payroll sources and distribution records. Valid Values: Check box format Unchecked = No Checked = Yes This field defaults to the branch number set up in each workstation record. You can change it, however, by typing over the value in this field. NOTE: by changing the Branch Number, you could impact the General Ledger. Make sure the Branch Number is valid. Database Field Name: MA-ACCT-BRANCH-NR Valid Values: Deferred-compensation accounts CU defined descriptions SEP Account (Pension/Profit Sharing) CU defined descriptions Irrevocable trust accounts CU defined descriptions Fiduciary accounts (custodian, guardian, or conservator accounts) CU defined descriptions Executor accounts (accounts held by an executor or administrator in a fiduciary capacity) CU defined descriptions Testamentary accounts (revocable, tentative, Totten, or payable-on-death (POD) trust account in which the beneficiary is a spouse, child, or grandchild of the member) CU defined descriptions Page 88 of 279

89 New Member Account Properties New Share Account Options Field Description Valid Entries/Comments Special Account Designation: Waive Membership Fee? Exempt account from excess withdrawal fees? Do not include account in marketing mailing? Audit Account? NCUSIF (National Credit Union Share Insurance Fund) type code. Indicates whether the membership fee is assessed or waived when a new share account is opened. Indicates whether a member will be assessed an excess withdrawal fee based on the number of cash or check withdrawals made on a share account within a credit union defined period of time (based on credit union options). Indicates a member s intention on sharing his/her account data with third party marketing vendors. Indicates whether a member is exempt from being assessed fees for money orders, traveler s checks, wires, and cashier checks. Valid Values: Corporate, organization, partnership, and unincorporated association accounts CU defined descriptions These accounts are maintained under the corporation s tax ID number Public units accounts (in which the funds are invested by someone in a custodial capacity for a public unit) CU defined descriptions These accounts are maintained under the custodian s Social Security Number. Refer to the Opening Special-Handling Share Accounts section of this document or the Special Handling Accounts User s Guide for detailed information on NCUSIF types and code descriptions. Check box format Valid Values: Unchecked = Yes, member will be charged Checked = No, member will not be charged The system will automatically collect a membership fee (if your credit union s IPB is set to assess a membership fee) from the first over-the-counter, payroll, or ACH deposit transaction that is greater than the fee due. (The fee is not collected from miscellaneous-disbursement or wire-in transactions.) The fee amount due, if not collected when the account was opened, is stored in the Member Fees Due field on Page 1 of General Share Information. Check box format Valid Values: Unchecked = No, member is not exempt from charges and the account will be charged. Checked = Yes, member is exempted from charges and the account will not be charged. Check box format Valid Values: Unchecked = Yes Checked = No Valid Values: 0 = Member Not Exempt From Fees 1-3 = Exempt From Fees CU Defined Descriptions 4-9 = Non Exempt From Fees CU Defined Refer to the Customizing i-power Settings Guide for detailed information on the setup and maintenance of this field. Database Field Name: MA-AUDIT REP-FLAG Page 89 of 279

90 New Member Account Properties New Share Account Options Field Description Valid Entries/Comments Select Ownership Code: Identifies the type of account. Valid Values: 1-6 = insurable/defined by credit union 7 = organization account (excluded from the Uninsurability Report) 8-9 = other uninsurable/defined by credit union The number of accounts and balances are sorted by ownership code at the end of the Trial Balance/RMG250. Refer to the Customizing i-power Settings Guide for detailed information on the setup and maintenance of this field. Minimum Indicates whether the member is Valid Values: Balance Exempt exempt from being assessed a Code: minimum balance fee. 0 Eligible for charge 1 Exempt Share Only 2 Exempt Share and clubs 3 Exempt Share, clubs and drafts Suffix Indicates whether statement System Defined Values: Statement mailings are sent to the member or Option: held at the credit union. 0 1 = Mail Credit Union Defined Codes Valid Values: 2 9 = Do Not Mail CU defined descriptions Dividend Information Field Description Valid Entries/Comments Dividend Payment Method: Transfer Account: Transfer Suffix: Posting Options: Indicates how the dividends are to be paid to this suffix. The account number to which dividends paid are to be transferred to. The suffix number to which dividends paid are to be transferred to. Indicates whether dividends will be paid or not. Valid Values: 1 Dividends Paid by check to Member When the dividend posting program runs, the system posts the dividends to the share account and then processes the withdrawal by check, but does not print the check. Instead, the system flags the account on the Dividend Report to remind you to print the check. 2 Dividends Transferred to Another Account Dividends will post first to the share account and are then transferred. 3 Dividends Compounded (default) Valid when option 2 - Dividends Transferred to Another Account is selected in the Dividend Payment Method field. Valid when option 2 - Dividends Transferred to Another Account is selected in the Dividend Payment Method field. Valid Values: 0 Dividends Paid on Acct 1 Dividends Not Paid on Acct (although no dividends will be shown in the fields on the Dividend Information screen, they will continue to accrue and will be retained in the background if you change to code 0 and post dividends to this account) 2-9 No Dividends for this posting period CU defined descriptions (the system does this by resetting the flag to code 0 once the dividends have been posted) Page 90 of 279

91 New Member Account Properties New Share Dividend Information Field Description Valid Entries/Comments Backup Withholding: Indicates whether backup withholding is initiated on the share account and all related suffixes that use the same SSN or Tax ID number for tax reporting purposes. Service Center Fee Plan Field Description Valid Entries/Comments Service Center Fee Plan: Allow Access to Service Center? Indicates the service center fee plan set for the account Valid Values: = No withholding = Withholding (percentage set in your IPB) Hard-coded Values: 00 Mailing Not Sent (W-9 not sent) 01 Mailing Sent (W-9 send, but member did not certify) 02 Invalid SSN 03 No Mail Acct 04 Member Certified (default if SSN was entered when the new share account was opened) 05 Foreign Member (No 1099 INT sent) 51 Withhold, Don t Produce W-9 52 Invalid SSN 53 Member Not Certified, IRA Notified, CU Withhold 54 Invalid SSN or Zero Designated Not To Withhold CU defined descriptions 50, Designated To Withhold CU defined descriptions Refer to the Customizing i-power Settings Guide for detailed information on the setup and maintenance of this field. Database Field Name: MA-TEFRA-FD-EX-CD Valid Values: 1 20 = CU Defined (21) Click on the Next button to advance to the New Member-Monetary Information screen. Page 91 of 279

92 SR2.5.4 Release Enhancement - - CQ# New Option to Block Account Access to Service Center Prior to the release of SR2.5.4, any member with a Share account on the system automatically gained access to the Service Center. Certain credit unions have experienced fraud where the member (with the intent to commit fraud), goes to the Service Center and deposits what appears to be a good check. Because it appears to be a good check, there is no hold placed. The member then re-visits the credit union and withdraws the cash leaving the credit union out the amount. To help prevent this situation, credit unions will now have the ability to authorize or deny access on an individual account basis. In a future release, this option will be added to the Share Product Class and default when opening new accounts. A new field Allow Access to Service Center was added to the New Share Account Properties screen. The options are: 0-No 1-Yes Page 92 of 279

93 The value for the field will default from the initial account setup but can be maintained on the General Share Information/Page 1 screen. When the field set to Yes, the member will be able to perform transactions at the Service Center as usual. If set to No a sample message such as the one displayed below will be presented when attempting to retrieve the account profile. If the error is returned, the member will likely contact the credit union requesting information on his/her account. Page 93 of 279

94 Changes made will be captured on the Share File Maintenance History screen. The VCILST (RMGLST10) report will also indicate whether or not the account has access to the Service Center. Below is a sample of the report with Service Center Access turned off. Page 94 of 279

95 Below is a sample of the report with Service Center Access turned on. The File Maintenance Journal (RMG11510) will also present history. Page 95 of 279

96 Monetary Information The New Member-Monetary Information screen displays: (22) Complete all applicable fields in the Monetary Information screen as defined by your credit union s policies and procedures and click on the Next button. NOTE: How to Fund the account is not explained in this document detailed documentation is provided under the Transaction User s Guide. Page 96 of 279

97 The Override Errors screen displays: When the SSN already exists in the credit union s database, the user will received an Override Error 671 Duplicate Social Security Number - Account # XXXX (X-designates the account number of the previously opened account number under this SSN). This override condition is simply making the user aware that the SSN has an account relation currently or in the past with another share account. Also, if you open a new share account with a zero balance, you will receive an Override Error 650 Zero Balance New Account. (23) Enter your Teller Number, Password and click on the Post button to override these conditions and advance to the Produce Custom Documents screen. Page 97 of 279

98 Produce Custom Documents The Produce Custom Documents screen displays: Refer to the Manage Documents Workbook for detailed information on the setup and maintenance of documents. (24) If your credit union utilizes on-line documents, select the document to be printed by clicking in the check box and click on the Print button. The document will automatically be sent to the designated laser printer and printed. To view the document prior to printing, click on the form name for the document you wish to view. A window will open with the document displayed in PDF or Word format and you may also print the document from this window. Note: Please select each document to be printed individually. (25) Click on the Next button to advance to the Transaction Complete Message screen. Page 98 of 279

99 Transaction Complete The Transaction Complete Message screen displays: (26) Click on the Done button to obtain the transaction receipt. Upon completion of the new share account, a file maintenance record is written and can be viewed by accessing the History screen and selecting the Maintenance tab. Also the new share account is reported on the following reports the next business day: File Maintenance Journal RMG11510 Summary Trial Balance RMG50010 Management Statistics RMG New Accounts Report New/Closed Account Report RMGNAC10 Page 99 of 279

100 The Account Profile/New screen displays: In order to further service the member, you are returned to the New tab of the account profile. You may add additional Suffix Types and/or Services from this screen. Refer to the individual user s guides for the opening of additional suffix types and services. ~end~ Page 100 of 279

101 Opening Special-Handling Share Accounts Taxpayers accounts are grouped by NCUSIF (National Credit Union Share Insurance Fund) types and within these types by like owners. The reporting programs to calculate insurable and uninsurable deposit amounts use this information. If the NCUSIF type code is 40 to 49 or 60 to 119, the account is considered special in that an owner other than the primary member is the first name displayed on the account. The system accepts a unique, or dummy, number for the owner in place of the standard Social Security number or tax ID number for these accounts. NCUSIF Types Type Code Description Deferred-compensation accounts Irrevocable trust accounts Fiduciary accounts (custodian, guardian, or conservator accounts) Executor accounts (accounts held by an executor or administrator in a fiduciary capacity) Testamentary accounts (revocable, tentative, Totten, or payable-on-death [POD] trust account in which the beneficiary is a spouse, child, or grandchild of the member) Corporate, organization, partnership, and unincorporated association accounts. These accounts are maintained under the corporation s tax ID number Public units accounts (in which the funds are invested by someone in a custodial capacity for a public unit) These accounts are maintained under the custodian s Social Security Number. Page 101 of 279

102 Opening a Custodian Account A custodian account is a type of fiduciary account (NCUSIF type codes 70 through 79) that is held by one individual in trust for another individual, such as a guardian holding an account for a minor child. The words custodian and minor are used to denote the two roles. This procedure assumes you are starting from i-power s Main Navigation screen. The Main Navigation screen displays: (1) To open a Custodial share account, click on Member Services on the menu bar and select New Member from the dropdown list. The New Member screen displays: (2) Open the account under the minor s name, address, and SSN. Enter the Minor s Social Security Number. It is not necessary to enter the hyphens when typing the SSN. (3) Click on Go to advance to the Owner/Home screen. Page 102 of 279

103 There are six tabs within the Owner screen: Home Previous Home Employment Previous Employment Temporary Mailing Identification The Home screen displays: (4) Completed all applicable fields in the Owner screens (Home, Previous Home, Employment, Previous Employment, Temporary Mailing and Identification) as defined by your credit union s policies and procedures. NOTE: If the SSN already exists in the credit union s database, the demographic information tied to the SSN is automatically populated and the user may make modifications as applicable. (5) Click on the Save button to advance to the Owners screen. Page 103 of 279

104 The Owners screen displays: (6) Custodian Joint Owner(s) are added at this time; click on the Add Joint Owner tab. Follow the same process for adding the joint owner demographic information as you did for the member. The Enter SSN screen displays: (7) Enter in the Custodian s Social Security Number. It is not necessary to enter the hyphens when typing the SSN. (8) Click on the Go button to advance to the Owner/Home screen. Page 104 of 279

105 The Home screen displays: (9) Complete all applicable fields in the Owner screens (Home, Previous Home, Employment, Previous Employment, Temporary Mailing and Identification) as defined by your credit union s policies and procedures. (10) Click on the Relationship field drop-down list and select Custodian. Refer to the Customizing i-power Settings Guide for detailed information on the setup and maintenance of the Relationship field. (11) Click on the Save button and you are returned to the Owners screen. You may continue to add additional custodian joint owners. NOTE: You may add up to 10 joint owners per each suffix. Page 105 of 279

106 The Owners screen displays: (12) Click on the Next button to advance to the New Member-Account Properties-New Share screen. Page 106 of 279

107 The New Member-Account Properties-New Share screen displays: (13) Complete all applicable fields in the New Member-Account Properties-New Share Information screen as defined by your credit union s policies and procedures. The Special Account Designation field must be assigned to signify that it is a custodian account. Click on the Special Account Designation drop-down list and select 71 Custodian For to reflect the ownership status of the custodian account. NOTE: Codes 70 through 79 all hold the value of Fiduciary accounts (custodian, guardian, or conservator accounts). The code number and description are credit union defined. Refer to the Customizing i-power Settings Guide for detailed information on the setup and maintenance of this field. (14) Click on the Next button to advance to the New Member-Account Properties Monetary Information screen. Page 107 of 279

108 The New Member-Monetary Information screen displays: (15) Complete all applicable fields in the Monetary Information screen as defined by your credit union s policies and procedures. NOTE: How to Fund the account is not explained in this document, detailed documentation is provided under the Financial Transaction User s Guide. (16) Click on the Next button to advance to the Produce Custom Documents screen. Page 108 of 279

109 The Produce Custom Documents screen displays: Refer to the Manage Documents Workbook for detailed information on the setup and maintenance of documents. (17) If your credit union utilizes on-line documents, select the document to be printed by clicking in the check box and click on the Print button. The document will automatically be sent to the designated laser printer and print. To view the document prior to printing, click on the form name for the document you wish to view. A window will open with the document displayed in PDF or Word format and you may also print the document from this window. NOTE: Please select each document to be printed individually. (18) Click on the Next button to advance to the Transaction Complete Message screen. The Transaction Complete Message screen displays: (19) Click on the Done button to obtain the transaction receipt. You are returned to the New tab of the account profile. The final step is to modify the mail designation of the custodial account to the Custodian joint owner s mailing address. Page 109 of 279

110 The Account Profile screen displays: (20) Click on the Member s Name, by clicking on this link you are directed to the Owners screen of the share account. The Owners screen displays: (21) Click on the Mail Designation icon of the custodian joint owner. The Manage Owner Mail screen displays. Page 110 of 279

111 The Manage Owner Mail screen displays: (22) Click Modify. (23) In the Mail Recipient for the following accounts: Select where the mail should be received by checking Home, Work or Temporary by the Account Number NOTE: If choosing to have mail sent to a Temporary Address, user must also select Home or Work as the default. By choosing Home or Work the user indicates where mail should be sent once the Temporary Address expires. (24) Click Save. The Owner screen displays: (25) Mail Recipient has been changed to the Custodian Owner s Home Address. Page 111 of 279

112 The Account Profile screen displays: The share suffix NCUSIF type is CUST FOR since this is a Custodian account rather than a regular joint owner account. ~end~ Page 112 of 279

113 Opening an Estate Account An estate account is a type of executor account (NCUSIF type codes 80 through 89) that is held by an executor or administrator in trust for another (usually deceased) individual. The words executor and deceased are used to denote the two roles. This procedure assumes you are starting from i-power s Main Navigation screen. The Main Navigation screen displays: (1) To open an Estate Share Account, click on Member Services on the menu bar and select New Member from the dropdown list. The New Member screen displays: (2) Open the account under the deceased s name (that is, the name of the estate), address and Social Security Number (or Tax ID). Enter the deceased s Social Security Number. It is not necessary to enter the hyphens when typing the SSN. (3) Click on the Next button to advance to the Owner/Home screen. There are six tabs within the Owner screen: Home Previous Home Employment Previous Employment Temporary Address Identification The Owner screen displays: (4) Complete all applicable fields in the Owner screens (Home, Previous Home, Employment, Previous Employment, Temporary Address and Identification) as defined by your credit union s policies and procedures. NOTE: If the SSN already exists in the credit union s database, the demographic information tied to the SSN is automatically populated and the user may make modifications as applicable. (5) Click on the Save button to advance to the Owners screen. The Owners screen displays: Page 113 of 279

114 (6) Executor Joint Owner(s) are added at this time; click on the Add Joint Owner tab. Follow the same process for adding the joint owner demographic information as you did for the member. The New Member screen displays: (7) Enter the Executor s Social Security Number. It is not necessary to enter the hyphens when typing the SSN. (8) Click on Go to advance to the Owner/Home screen. The Owner screen displays: (9) Complete all applicable fields in the Owner screens (Home, Previous Home, Employment, Previous Employment, Temporary Address and Identification) as defined by your credit union s policies and procedures. (10) Click on the Relationship field drop-down list and select Executor. Refer to the Customizing i-power Settings Guide for detailed information on the setup and maintenance of the Relationship field. (11) Click on the Save button and you are returned to the Owners screen, you may continue to add additional Executor joint owners. NOTE: You may add up to 10 joint owners per each suffix. The Owners screen displays: (12) Click on the Next button to advance to the New Member-Account Properties-New Share screen. The New Member-Account Properties-New Share screen displays: (13) Complete all applicable fields in the New Member Account Properties New Share Information screen as defined by your credit union s policies and procedures. The Special Account Designation field must be assigned to signify that it is an Executor account. Click on the Special Account Designation drop-down list and select 80 Executor Account to reflect the ownership status of the estate account. NOTE: Codes 80 through 89 all hold the value of Executor accounts (accounts held by an executor or administrator in a fiduciary capacity). The code number and description are credit union defined. Refer to the Customizing i-power Settings Guide for detailed information on the setup and maintenance of this field. (14) Click on the Next button to advance to the New Member-Monetary Information screen. Page 114 of 279

115 The New Member-Monetary Information screen displays: (15) Complete all applicable fields in the Monetary Information screen as defined by your credit union s policies and procedures. NOTE: How to Fund the account is not explained in this document, detailed documentation is provided under the Financial Transaction User s Guide. (16) Click on the Next button to advance to the Produce Custom Documents screen. The Produce Custom Document screen displays: (17) Complete the Dividend Information screen as defined by your credit union s policies and procedures. Refer to the Manage Documents Workbook for detailed information on the setup and maintenance of documents. (18) If your credit union utilizes on-line documents, select the document to be printed by clicking in the check box and click on the Print button. The document will automatically be sent to the designated laser printer and printed. To view the document prior to printing, click on the form name for the document you wish to view. A window will open with the document displayed in PDF or Word format and you may also print the document from this window. NOTE: Please select each document to be printed individually. (19) Click on the Next button to advance to the Transaction Complete Message screen. (20) Click on the Done button to obtain the transaction receipt. You are returned to the New tab on the account profile. The final step is to modify the mail designation of the estate account to the Executor joint owner s mailing address. (21) Click on the Member s Name, by clicking on this link you are directed to the Owners screen of the share account. Page 115 of 279

116 The Owners screen displays: (22) Click on the Mail Designation icon of the Executor joint owner. The Manage Owner Mail screen displays. The Manage Owner Mail screen displays: (23) Click Modify. (24) In the Mail Recipient for the following accounts: Select where the mail should be received by checking Home, Work or Temporary by the Account Number NOTE: If choosing to have mail sent to a Temporary Address, user must also select Home or Work as the default. By choosing Home or Work the user indicates where mail should be sent once the Temporary Address expires. (25) Click Save. The Mail Recipient indicator has moved to the executor joint owner; this is the address all mailings will be sent to. (26) Click on the Done button when completed, you will be returned to the Account Profile screen. Page 116 of 279

117 The Account Profile screen displays: The share suffix NCUSIF type is Executor since this is an Estate account which is a type of executor account rather than a regular joint owner account. ~end~ Page 117 of 279

118 Changing an Existing Account to an Estate Account Use the following procedure if a member is deceased and his/her share account needs to be changed to an Estate Account. This procedure assumes you are starting from the Account Profile screen. The Account Profile screen displays: (1) First you will need to change the owner information to reflect that the account is now an estate account. Click on the Member s Name, by clicking on this link you are directed to the Owners screen of the share account. The Owners screen displays: (2) To modify the member s information, click on the Edit icon to proceed to the Home, Previous Home, Employment, Previous Employment, Temporary Mailing and Identification screens. Page 118 of 279

119 The Home screen displays: (3) Click on the Modify button to file maintain the Full Name field. The Home screen displays: For example, you might change the name from Marisol L Testcase to Marisol L Testcase Estate or Estate of Marisol L Testcase. (4) Click on the Save button to return to the Owners screen. The Owners screen displays: (5) Executor Joint Owner(s) are added at this time; click on the Add Joint Owner tab. The New Member screen displays: (6) Enter the Executor s Social Security Number. It is not necessary to enter the hyphens when typing the SSN. (7) Click on the Next button to advance to the Owner/Home screen. Page 119 of 279

120 The Home screen displays: (8) Complete all applicable fields in the Owner screens (Home, Previous Home, Employment, Previous Employment, Temporary Mailing and Identification) as defined by your credit union s policies and procedures. (9) Click on the Relationship field drop-down list and select Executor. (10) Click on the Save button and you are returned to the Owners screen, you may continue to add additional Executor joint owners. NOTE: You may add up to 10 joint owners per each suffix. The Owners screen displays: (11) Click on the Done button to return to the Account Profile screen. Page 120 of 279

121 The Account Profile screen displays: Now you need to file maintain the NCUSIF code to signify that this is now an estate account. (12) Click on the share Suffix 0 drop-down list and select General Share Info. The General Share Information/Page 1 screen displays: (13) The NCUSIF Type field is located on the second page of the General Share Information; click on the Page 2 tab. The General Share Information/Page 2 screen displays: (14) Click on the Modify button to file maintain the NCUSIF Type field. (15) Click on the NCUSIF Type drop-down list and select 80-Executor Account. (16) When completed, click on the Save button. Page 121 of 279

122 The General Share Information/Page 2 screen displays: (17) Click on the Cancel button to return to the Account Profile screen. The Account Profile screen displays: The final step is to modify the mail designation of the account to the Executor s mailing address. (18) Click on the Member s Name. You are directed to the Owners screen of the share account. Page 122 of 279

123 The Owners screen displays: (19) Click on the Mail Designation icon of the Executor joint owner. The Manage Owner Mail screen displays. The Manage Owner Mail screen displays: (20) Click Modify. (21) In the Mail Recipient for the following accounts: Select where the mail should be received by checking Home, Work or Temporary by the Account Number NOTE: If choosing to have mail sent to a Temporary Address, user must also select Home or Work as the default. By choosing Home or Work the user indicates where mail should be sent once the Temporary Address expires. (22) Click Save The Owner screen displays: (23) Mail Recipient has been changed to the Executor s Home Address. (24) Click on the Done button when completed, you will be returned to the Account Profile screen. Page 123 of 279

124 The Account Profile screen displays: (21) To verify how the member statement will look when printed, click on the Statement View icon located next to the member s name. This can also be accessed from the Owners screen, Statement View tab. The Statement View screen displays: All mail will be sent to the address of April Crayton for the Estate of Donald Duck. (22) Click on the Cancel button to return to the Account Profile screen. Page 124 of 279

125 The Account Profile screen displays: The share suffix NCUSIF type is Executor since this is an executor account rather than a regular joint owner account. ~end~ Page 125 of 279

126 Opening an Association Account Two types of association accounts are allowed under NCUSIF, depending on who is responsible for taxes on the account: Association has its own tax ID number and is responsible for taxes (NCUSIF type codes ). In this case, you would open the association account using the normal procedure for opening a basic share account, designating the association as the member and using the association s tax ID number. Association does not have its own tax ID number another organization is responsible for taxes (NCUSIF type codes ). In this case, you would open the association account using the procedure that begins below, designating the organization as the member and using the organization s tax ID number. You would then add the association as a joint owner under a unique (or dummy ) Social Security number. Remember, all new share accounts must be opened using the name of the person, place, or entity that owns the tax ID number or Social Security number. The procedure is based on this scenario: Association: Scholarship Fund (no tax ID) Organization: Freedom High School (has tax ID; responsible for taxes) Authorized signer: Stanley Q Member This procedure assumes you are starting from i-power s Main Navigation screen. The Main Navigation screen displays: (1) To open an Association share account, click on Member on the menu bar and select New from the drop-down list. Page 126 of 279

127 The Enter SSN screen displays: (2) Enter the organization s address and Tax ID number. It is not necessary to enter the hyphens when typing the SSN. (3) Click on the Next button to advance to the Owner/Home screen. The Home screen displays: (4) Complete all applicable fields in the Owner screens (Home, Previous Home, Employment and Previous Employment) as defined by your credit union s policies and procedures. Be sure to open the account in the organization s name (Freedom High School). (5) Click on the Save button to advance to the Owners screen. Page 127 of 279

128 The Owners screen displays: The next step is to add the association as a joint owner on the account. Since the association does not have its own Tax ID number, you will need to enter a unique ( dummy ) 9-digit number to stand in for the Tax ID number. (6) Click on the Add Joint Owner tab. Follow the same process for adding the association demographic information as you did for the organization. The Enter SSN screen displays: (7) Open the account in the association s name (Scholarship Fund). Since the association does not have its own Tax ID number, you will need to enter a unique ( dummy ) 9-digit number to stand in for the Tax ID number. It is not necessary to enter the hyphens when typing the SSN. (8) Click on the Next button to advance to the Owner/Home screen. Page 128 of 279

129 The Home screen displays: (9) Complete all applicable fields in the Owner screens (Home, Previous Home, Employment and Previous Employment) as defined by your credit union s policies and procedures. (10) Click on the Relationship field drop-down list and select Association. (11) Click on the Save button to return to the Owners screen. The Owners screen displays: (12) The next step is to add the authorized signer(s) as a joint owner(s) on the account. Click on the Add Joint Owner tab. Follow the same process for adding the authorized signer demographic information as you did for the association. Page 129 of 279

130 The Enter SSN screen displays: (13) Enter the authorized signer s Social Security Number. It is not necessary to enter the hyphens when typing the SSN. (14) Click on the Next button to advance to the Owner/Home screen. The Home screen displays: (15) Complete all applicable fields in the Owner screens (Home, Previous Home, Employment and Previous Employment) as defined by your credit union s policies and procedures. (16) Click on the Relationship field drop-down list and select Authorized Signer. Refer to the Customizing i-power Settings Guide for detailed information on the setup and maintenance of the Relationship field. (17) Click on the Save button to return to the Owners screen. Page 130 of 279

131 The Owners screen displays: You may continue adding authorized signers as joint owners on the account. Click on the Add Joint Owner tab. Follow the same process for adding additional authorized signer demographic information as you did previously. NOTE: You may add up to 10 joint owners per each suffix. (18) Once you are finished adding all authorized signers to the account, click on the Next button to advance to the New Member-Monetary Information screen. Page 131 of 279

132 The New Member-Account Properties-New Share screen displays: (19) Complete all applicable fields in the New Member-Account Properties-New Share/Account Information screen as defined by you credit union s policies and procedures. (20) The Special Account Designation field must be assigned to signify that it is an association account. Click on the Special Account Designation drop-down list and select either 100-Association Account or 110-Public Unit Account to reflect the status of the association account. In this example, you will select 110-Public Unit Account. NOTE: Codes 110 through 119 all hold the value of Public Unit accounts (in which the funds are invested by someone in a custodial capacity for a public unit). The code number and description are credit union defined. Refer to the Customizing i-power Settings Guide for detailed information on the setup and maintenance of this field. (21) Click on the Next button to advance to the New Member-Monetary Information screen. Page 132 of 279

133 The New Member-Monetary Information screen displays: (22) Complete all applicable fields in the Monetary Information screen as defined by your credit union s policies and procedures. NOTE: How to Fund the account is not explained in this document, detailed documentation is provided under the Financial Transaction User s Guide. (23) Click on the Next button to advance to the Dividend Information screen. The Dividend Information screen displays: (24) Complete all applicable fields in the Dividends Information screen as defined by your credit union s policies and procedures. (25) Click on the Next button to advance to the New Member-Enter Account Number screen. Page 133 of 279

134 The New Member-Enter Account Number screen displays: The account number will be defaulted per credit union parameters. Refer to the Customizing i-power Settings Guide for detailed information on the setup and maintenance of this field. (26) Click on the Next button to advance to the Produce Custom Documents screen. Page 134 of 279

135 The Produce Custom Documents screen displays: Refer to the Manage Documents Workbook for detailed information on the setup and maintenance of documents. (27) If your credit union utilizes on-line documents, select the document to be printed by clicking in the check box and click on the Print button. The document will automatically be sent to the designated laser printer and printed. To view the document prior to printing, select the Display button. A Microsoft Word window will open with the document and you may also print this document from this window. NOTE: Please select each document to be printed individually. (28) Click on the Next button to advance to the Transaction Complete Message screen. The Transaction Complete Message screen displays: (29) Click on the Done button to obtain the transaction receipt. You are returned to the New tab of the account profile. The final step is to modify the mail designation of the Public Unit Account to the Association s mailing address. Page 135 of 279

136 The Account Profile screen displays: (30) Click on the Member s Name, by clicking on this link you are directed to the Owners screen of the share account. The Owners screen displays: (31) Click on the Mail Designation icon of the custodian joint owner. This icon toggles between the organization s address and association s addresses indicated in the Mail Recipient column. Page 136 of 279

137 The Mail Recipient indicator has moved to the association; this is the address all mailings will be sent to. (32) Click on the Save button when completed, you will be returned to the Account Profile screen. The Account Profile screen displays: (33) To verify how the member statement will look when printed, click on the Statement View icon located next to the member s name. This can also be accessed from the Owners screen, Statement View tab. Page 137 of 279

138 The Statement View screen displays: All mail will be sent to the address of the association (Scholarship Fund); the organization (Freedom High School that the Tax ID Number belongs to) and any authorized signers (joint owners) on the account will also be listed. (34) Click on the Cancel button to return to the Account Profile screen. The Account Profile screen displays: The share suffix NCUSIF type is Public since this is a public unit account rather than a regular joint owner account. ~end~ Page 138 of 279

139 Closing a Share Account There are two ways to close a share account: Financial Transaction Command: Close Account. The balance must be greater than zero to perform this close. File maintain the Date Closed field on Page 1 of the Share General Information screen. The balance must be zero to perform this close. NOTE: This method can only be used if the share account has a zero balance and no other open suffixes or services. All other suffixes and/or services must be closed. If the account has a negative balance, you must bring it to a zero balance before file maintaining the date closed or your credit union will be out of balance. Close Account Command This procedure assumes you are starting from the Account Profile screen and the account has a balance greater than zero. The Account Profile screen displays: (1) Click on the Financial Transaction Command drop-down list and select Close Account. Page 139 of 279

140 (2) Tab to the Suffix field, the share account suffix 0 is defaulted and tab to the GO button and press the Enter key. The Close Share Account screen displays: (3) Complete all applicable fields in the Close Share Account screen as defined by your credit union s policies and procedures. NOTE: If the default value setup in your credit union s IPB for the Pay Accrued Dividend field is Y, the check box is automatically checked to pay accrued dividends for the share account. Should you choose not to pay the accrued dividends, you may uncheck this box and the accrued dividends will not be reflected in the Transaction Amount field. Page 140 of 279

141 Close Share Account Details Field Description Valid Entries/Comments Current Balance: Available Balance: Transaction Amount: Pay Accrued Dividend: Accrued Dividend Amount: Indicates the member s actual balance. Indicates the amount available to the member for monetary disbursement transactions. Indicates the amount to be disbursed to the member. Indicates whether the system is to automatically pay accrued dividends when closing the account. Indicates the dividend amount accrued since the last dividend date. non-maintainable field non-maintainable field If your credit union s IPB is set up to automatically pay accrued dividends upon closing, the amount in this field reflects the total of the current balance plus the accrued dividends. Check Box Format Valid Values: Unchecked = No, do not pay accrued dividends Check = Yes, pay accrued dividends Details Field Description Valid Entries/Comments Transaction Description: Effective Date: Print Mail Receipt: Reg D Transaction: Funds A brief description of this transaction (optional). Indicates the date this transaction is to be effective if different from the current date (optional). Indicates whether a receipt will be produced with this transaction. The receipt displays the account name, address, city, state and zip code in a landscape format to be used with a window envelope (optional). Indicates whether this withdrawal is to be counted as a Reg D withdrawal (optional). How the transaction amount is to be disbursed to the member. This is a system-calculated field and cannot be modified from this transaction screen. 30 alphanumeric characters Appears on the member s receipt, statement, and history. The system inserts the current business date. You may type over this entry with a prior date, if desired. The effective date cannot be in the future, and it cannot be later than the last dividend date or last statement date. Check Box Format Valid Values: Unchecked = No, do not print a mail receipt (default) Check = Yes, print a mail receipt Check Box Format Valid Values: Unchecked = No, not a Reg D withdrawal (default) Check = Yes, a Reg D withdrawal Valid Values: Ctrl 1 Cash Ctrl 2 Check Ctrl 3 Transfer Ctrl 4 - Voucher Ctrl 6 Suppress Check Page 141 of 279

142 The Close Share Account screen displays: (4) Click on the Post button to complete the transaction. The Transaction Complete Message screen displays: (5) Click on the Done button to obtain the transaction receipt. ~end~ Page 142 of 279

143 File Maintaining the Share Closed Date Field: This procedure assumes you are starting from the Account Profile screen and the share account balance is zero and all other suffixes and services are closed. Caution: Do not use this close procedure unless the account balance is zero. The Account Profile screen displays: (1) Click on the Suffix 0 drop-down list and select General Share Info The General Share Information/Page 1 screen displays: (2) Click on the Modify button to file maintain the Date Closed field. Page 143 of 279

144 The General Share Information/Page 1 screen displays: (3) In the Date Closed field enter the 8 digit (mmddccyy) date. It is not necessary to enter the slashes / between the numbers; the system will automatically populate them. (4) Click on the Save button to update the field. (5) Click on the Cancel button. Page 144 of 279

145 The Reopen Closed Account? Screen displays: You will receive the following message: Reopen Closed Account? The selected account is currently closed. Would you like to reopen it? (6) Click on the Cancel button and the share account is now closed. ~end~ Page 145 of 279

146 Reopening a Closed Share Account You can use this procedure to reopen a closed share account only if it has not yet been purged off the system. If the account is not displayed as closed on the account profile screen, it will be necessary to open a new share account. There are numerous ways to locate the account you wish to reopen. This procedure assumes you are starting from i- POWER s Main Navigation screen and using the method Search By: Account. The Main Navigation screen displays: (1) To reopen a member account, enter the member s account number in the Criteria field and click on the Go button. The Account Closed Screen displays: (2) Click on the Reopen button to reopen the account; you are returned to the Account Profile screen. Page 146 of 279

147 If you wish the account to be treated as a new account, you may modify the date opened field. The reopened account will appear on the New Account Report. However, to do this, the new date opened cannot be after the last transaction date. If you attempted to modify the date opened field with today s date and the last transaction date is prior to today s date, you will receive the following error message: Error: ERR 056: OPEN DATE CANNOT BE AFTER LAST TXN DATE. When the last transaction date is before the new date opened, you will need to perform a monetary transaction (such as a deposit to bring the account to the minimum balance) and then modify the date opened field to today s date. Page 147 of 279

148 The Account Profile screen displays: (3) Click on the Financial Transaction Command drop-down list and select Deposit. (4) Tab to the Suffix field, select the share account and tab to the GO button and press the Enter key. The Deposit screen displays: (5) Complete all applicable fields in the Deposit screen as defined by your credit union s policies and procedures. (6) Click on the Post button to complete the transaction. Page 148 of 279

149 The Transaction Complete Message screen displays: (7) Click on the Done button to obtain the transaction receipt. The Account Profile screen displays: (8) To modify the date opened field, click on the Suffix drop-down list and select General Share Info. Page 149 of 279

150 The General Share Information/Page 1 screen displays: (9) Click on the Modify button to file maintain the Date Opened field. The Page 1 screen displays: (10) Enter today s date in the Date Opened field and click on the Save button. Page 150 of 279

151 (11) Click on the Cancel button to return to the Account Profile screen. NOTE: The Share Updated Successfully with today s date. ~end~ Page 151 of 279

152 Message/Comments/Codeword The Account Profile screen displays: (1) Click on the Message/Comment/Codeword link from the Account Profile screen. By clicking on this link you are directed to another window where you may view and/or modify the message, comments and codeword fields. NOTE: The Message and Codeword fields are tied to the account number; the Comments field is tied to the member s SSN. The Comments field is retained on the system indefinitely until the field is file maintained by a user. The Maintain Message/Comments/Codeword screen displays: (2) Click on the Modify button. Page 152 of 279

153 The Maintain Message/Comments/Codeword screen displays: (3) Once all modifications are complete, click on the Save button. NOTE: With release MR2.4.0, separate Date Changed fields were added for the Account Message, Member/SSN Comments and Codeword data fields. The Member/SSN Comments area has been broken up into 10 lines with 40 characters per line. Comment changes will display by line in the File Maintenance History as well as on the File Maintenance Journal. Notice there are 10 lines of 40 characters per line. Maintain Message/Comments/Codeword Account Message Field Description Valid Entries/Comments Message: Date Changed: Options Keep in System Indefinitely: Expiration Date: Indicates the message tied to this account number only. Indicates the date the last message was entered. Indicates whether to keep the account message in the system indefinitely. Indicates the expiration date of the account message field. Valid Values: Two lines with 38 characters per line. Database Field Names: AM-MESSAGE-1 and AM- MESSAGE-2 mmddccyy format Database Field Name: AM-MESSAGE-DT check box format Unchecked = use the Expiration Date field. Checked = keep in the system indefinitely mmddccyy format NOTE: when the Keep in system Indefinitely field is unchecked, this field must be populated. Database Field Name: AM-EXPIRE-DT Page 153 of 279

154 Maintain Message/Comments/Codeword Member/SSN Comments Field Description Valid Entries/Comments Comments: Date Changed: Codeword Codeword: Date Changed: Indicates the comments tied to the member s social security number. Indicates the date the last comments were entered. Indicates the codeword tied to this account number only. Indicates the date the last codeword was entered. Valid Values: Ten lines with 40 characters per line. NOTE: the comments field will be displayed for all accounts where the member is the primary owner. Also, if this member is added as a joint owner to another account or a new share account is created, these comments will be displayed. Database Field Name: CPC-COMMENT mmddccyy format Database Field Name: CPC-CDATE 25 alphanumeric characters Database Field Name: MA-MOM-MAID-NAME mmddccyy format Database Field Name: MA-CODEWORD-DATE (4) Click on the Cancel button to return to the Account Profile screen. ~end~ Page 154 of 279

155 Share Suffix Drop-Down List The share suffix drop-down list contains the following menus: History Owners Info Stop Payment Warnings and Locks Account Overrides Check Holds Dividend Info Tax Summary Overdraft Protection General Share Info Employee Payroll Info Produce Documents The Account Profile screen displays: History There are two types of History: Transaction and Maintenance. Transaction History displays financial transactions that occurred on a suffix. Transaction history may be viewed for one suffix or all suffixes of an account. History may also be viewed for a specific date or date range in addition to a single transaction or range of transactions dependent upon the search criteria selected. Maintenance History displays the past 7 days of file maintenance performed on a specific suffix. The share suffix maintenance history displays share maintenance and any changes made to the member demographics screens (address, joint owners, employment, etc.). You may also refer to the File Maintenance Journal, RMG11510; this report is run on a daily basis. Page 155 of 279

156 Transaction History The Account Profile screen displays: Click on the Suffix 0 drop-down list and select History. The Transaction History screen displays: Page 156 of 279

157 Transaction History Details Field Description Valid Entries/Comments Eff Date Act Date Act Time Tran Num The date on which the transaction is effective regardless when it occurred. The default is the business date. The value in this field indicates the order of activity printed on the statement. The calendar date on which the transaction actually occurred. The time at which the transaction actually occurred. The transaction (receipt) number of the transaction. This number is used to aid in error correction or reversal of a transaction. mmddccyy format mmddccyy format military time format Check withdrawals: the check number that cleared either during nightly or online processing. ACH: the source number is used for automated internal transfers and payroll transactions. Other: all other transaction use a system generated number. Tran Type The transaction type description. deposits, withdrawals, payments, etc. Tran Amt The amount of the transaction. monetary format Fee Amt The fee amount, if any, associated monetary format with the transaction. Bal After The suffix balance after the monetary format transaction is posted. Teller Num The teller number that performed the transaction. Teller Number 999 represents an automated transaction, e.g., voice, homebanking, ATM/Debit Card, ACH, etc. EFT Tran Tran Description Action Indicates whether the transaction is an Electronic Funds Transfer type transaction. A transaction description entered at the time of the transaction by the teller or an automated process. This description shows up on the member statement. Reject View Receipt icon and icon true = Yes, EFT transaction false = No, not an EFT transaction For share draft accounts where EFT activity has occurred, a monthly statement will be generated. ACH: Source # and Name appear ATM/Debit Card: Name and/or location appear Funds Transfer/Exception Payroll: Source # and Name appear The Reject transaction. icon is used to Error Correct or Reverse a The View Receipt icon is used to view an on-line image of the transaction receipt in Adobe Reader. ~end~ Page 157 of 279

158 Maintenance History The Maintenance History screen displays: Maintenance History Details Field Description Valid Entries/Comments Date of File Maintenance Field Name Data Before Data After Teller Number Indicates the date of the last time any data field for the account (share only) was file maintained. The system field name that was changed. The content of the field before the most recent change. The content of the field reflecting the most recent changes. Indicates the user that performed the change. mmddccyy format Database File Name: MA-DT-LAST-FM The information appears in whatever format the field dictates (e.g., date, dollar amount, alpha, etc.) The information appears in whatever format the field dictates (e.g., date, dollar amount, alpha, etc.) The information appears in whatever format the field dictates (e.g., date, dollar amount, alpha, etc.) numeric ~end~ Page 158 of 279

159 Owners Information Member Demographics The Account Profile screen displays: (1) Click on the Suffix 0 drop-down list and select Owners Info. The Owners screen displays: (2) Click on the Edit icon to inquire/file maintain the member or joint owner demographic information. Page 159 of 279

160 There are six tabs within the Owner screen: Home Previous Home Employment Previous Employment Temporary Mailing Identification Home The Home screen displays: (3) Click on the Modify button to file maintain any fields on the Home screen. Owner Home Field Description Valid Entries/Comments Full Name: Member s full name. 35 alphanumeric characters First, middle and last name format This is the name that is printed on any system-generated mailing such as statements and notices. Database Field Name: MA-NAME-1 Last-Name First-Name: U.S. Citizen: Shortened version of the member s name. Indicates whether the member is a US citizen or foreign. 15 alphanumeric characters Last Name first, First Name last format The system uses the first two letters of the entry in this field as the verify letters in addition to searches by last member s last name. This name is printed on internal reports, but is not printed on the member s statement. Database Field Name: MA-SHORT-NAME Valid Values: Yes No Database Field Name: Page 160 of 279

161 Owner Home Field Description Valid Entries/Comments Relationship: Relationship of this owner to the primary member. The word Member appears in this field for a new share account. This field cannot be changed on a new share account. This field is credit union defined; refer to the Customizing I- POWER Settings Guide for detailed information on the setup and maintenance of this field. Database Field Name: Birth Date: Member s date of birth. mmddccyy format This field is also required for calculating Credit Life/Disability and IRA Distributions when applicable. Database Field Name: MA-DT-OF-BIRTH Death Date: Indicates the member s date of death. mmddccyy format Database Field Name: MA-DT-OF-DEATH Address Type: Indicates whether the member address is domestic or foreign. Valid Values: Domestic Foreign Database Field Name: PADR-FOREIGN-IND Address 1: Current address of the member. 35 alphanumeric characters Database Field Name: PADR-ADDR1 Address 2: Continuation of Address alphanumeric characters Often used for the P.O. Box number. If you are entering a foreign address, use this line to enter the foreign province, county, and zip code. Database Field Name: PADR-ADDR2 City: City in which the member currently resides. 35 alphanumeric characters Database Field Name: PADR-CITY State/Province: Indicates the state or province in 2 alpha characters or 20 alphanumeric characters which the member currently NOTE: When the Address Type = Domestic use the State dropdown list. When the Address Type = Foreign, type the resides. province name. Database Field Name: PADR-STATEPROVINCE Postal Code: Member s current zip code. 5 digit postal zip code and 4 digit extension If you do not know the four-digit extension for the Zip Code, type four zeros or leave blank. Database Field Name: PADR-ZIP County: County in which the member currently resides. 20 alphanumeric characters NOTE: when the Address Type = Foreign, this field is disabled. Database Field Name: PADR-COUNTY Country Indicates the country in which the member currently resides. Valid Values: drop-down list contains all country names NOTE: this field default to United States when the Address Type = Domestic and this field is disabled. When the Address Type = Foreign, then the you may select a country name from the drop-down list. Database Field Name: PADR-COUNTRY Years: Number of years the member has resided at the current address. 2 digits Page 161 of 279

162 Owner Home Field Description Valid Entries/Comments Months: Residence: Phone: Mobile: Pager: Number of months the member has resided at the current address. The status of the member s current residence. Member s area code and telephone number. Member s cell area code and telephone number. Indicates the member s pager area code and telephone number. Member s personal address. *See the Address Enhancement section for additional details. Valid Values: 0 11 Valid Values: Drivers License: Member s drivers license number. 20 alphanumeric characters State: DL Description: DL Issuance Date: DL Expiration Date: DL Verification Date: The state in which the member s drivers license was issued. Indicates additional information regarding the driver s license the member presented. Indicates the date the driver s license was issued. Indicates the date the driver s license will expire. Indicates the date the credit union verified this driver s license. Buying Own Renting Living with relative Not in this list Database Field Name: PADR-BUY-RENT-OWN-CODE 10 digits It is not necessary to enter any hyphens - or parentheses ( ) between the numbers. The system will automatically place parentheses around the area code and a hyphen between the prefix and suffix, i.e., (555) digits It is not necessary to enter any hyphens - or parentheses ( ) between the numbers. The system will automatically place parentheses around the area code and a hyphen between the prefix and suffix, i.e., (555) digits It is not necessary to enter any hyphens - or parentheses ( ) between the numbers. The system will automatically place parentheses around the area code and a hyphen between the prefix and suffix, i.e., (555) alphanumeric characters Ensure at least/only one At exists and such as ipower@epl.net Ensure consecutive Periods. do not exist such as ipower..@epl.net Ensure no empty spaces exist such as ipower ipower@epl.net The period. when entered before the At cannot be next to such as ipower.@epl.net. Please note that s such as ipower.ipower@epl.net will be permitted. 2 alpha characters Use the two-digit abbreviation of the US Postal Service. 25 alphanumeric characters mmddccyy format mmddccyy format mmddccyy format TIP: You may click on the Save button and bypass the Previous Home, Employment, Previous Employment, Temporary Mailing and Identification screens. Page 162 of 279

163 NOTE: All fields are not required; however if the Full Name, Last-Name First-Name, Address 1, City State, Zip and Birth Date fields are not completed, the system will automatically assign a Share Warning to the account. One of the following Warning Code/Descriptions will be assigned to the share account: Warning Code Warning Description 1 Missing Members name and address 4 Missing new account file maintenance 5 Combination of warning flags 01 and No date of birth 11 Combination of warning flags 01 and 10 (4) From the Home tab, click on the Next button, the Previous Home screen is displayed. If you continue clicking on the Next button and you will advance to the Employment, Previous Employment, Temporary Mailing and Identification screens. TIP: You may also navigate to the Home, Previous Home, Employment, Previous Employment, Temporary Mailing and Identification tabs by clicking on the tabs rather than using the Next button. Previous Home The Previous Home screen displays: (5) Click on the Modify button to file maintain any fields on the Previous Home screen. Owner Previous Home Field Description Valid Entries/Comments Address Type: Indicates whether the member address is domestic or foreign. Valid Values: Domestic Foreign Page 163 of 279

164 Owner Previous Home Field Description Valid Entries/Comments Address 1: Previous address of the member. 35 alphanumeric characters Address 2: Continuation of Address alphanumeric characters City: State/Province: Previous city in which the member resided. Indicates the state or province in which the member previously resided. Often used for the P.O. Box number. If you are entering a foreign address, use this line to enter the foreign province, county, and zip code. 35 alphanumeric characters 2 alpha characters or 20 alphanumeric characters NOTE: When the Address Type = Domestic use the State dropdown list. When the Address Type = Foreign, type the province name. Postal Code: Member s previous zip code. 5 digit postal zip code and 4 digit extension If you do not know the four-digit extension for the Zip Code, type four zeros or leave blank. Country How Long Years: Months: Indicates the country in which the member previously resided. Number of years the member resided at the previous address. Number of months the member resided at the previous address. Valid Values: drop-down list contains all country names NOTE: this field default to United States when the Address Type = Domestic and this field is disabled. When the Address Type = Foreign, then the you may select a country name from the drop-down list. 2 digits Valid Values: 1-99 Valid Values: 0 11 TIP: You may click on the Save button and bypass the Employment, Previous Employment, Temporary Mailing and Identification screens. (6) From the Previous Home tab, click on the Next button, the Employment screen is displayed. Continue clicking on the Next button and you will advance to the Previous Employment, Temporary Mailing and Identification screens. TIP: You may also navigate to the Home, Previous Home, Employment, Previous Employment, Temporary Mailing and Identification tabs by clicking on the tabs rather than using the Next button. Page 164 of 279

165 Employment The Employer Demographics screen displays: (7) Click on the Modify button to file maintain any fields on the Employer Demographics screen. Owner Employer Demographics Field Description Valid Entries/Comments Employer: Member s current employer name. 25 alphanumeric characters Occupation: Date Hired: Address Type: Address 1: Member s occupation, position, rank or grade. Indicates the member s date of hire. Indicates whether the member address is domestic or foreign. Current address of the member s employer. 20 alphanumeric characters mmddccyy format Valid Values: Domestic Foreign 35 alphanumeric characters Address 2: Continuation of Address alphanumeric characters City: Current city in which the member 35 alphanumeric characters is employed. State/Province: Indicates the state or province in 2 alpha characters or 20 alphanumeric characters which the member previously NOTE: When the Address Type = Domestic use the State dropdown list. When the Address Type = Foreign, type the resided. province name. Postal Code: Member s current employer zip code. 5 digit postal zip code and 4 digit extension If you do not know the four-digit extension for the Zip Code, type four zeros or leave blank. Page 165 of 279

166 Owner Employer Demographics Field Description Valid Entries/Comments Country Phone: Extension: Mobile: Indicates the country in which the member previously resided. Member s current work area code and telephone number. Indicates the member s work phone extension number. Member s work cell area code and telephone number. Member s work address. *See the Address Enhancement section for additional details. Valid Values: drop-down list contains all country names NOTE: this field default to United States when the Address Type = Domestic and this field is disabled. When the Address Type = Foreign, then the you may select a country name from the drop-down list. 10 digits It is not necessary to enter any hyphens - or parentheses ( ) between the numbers. The system will automatically place parentheses around the area code and a hyphen between the prefix and suffix, i.e., (555) digits 10 digits It is not necessary to enter any hyphens - or parentheses ( ) between the numbers. The system will automatically place parentheses around the area code and a hyphen between the prefix and suffix, i.e., (555) alphanumeric characters Ensure at least/only one At exists and such as ipower@epl.net Ensure consecutive Periods. do not exist such as ipower..@epl.net Ensure no empty spaces exist such as ipower ipower@epl.net The period. when entered before the At cannot be next to such as ipower.@epl.net. Please note that s such as ipower.ipower@epl.net will be permitted. TIP: You may click on the Save button and bypass the Previous Employment, Temporary Mailing and Identification screens. (8) From the Employment tab, click on the Next button, the Previous Employment screen is displayed. If you continue clicking on the Next button and you will advance to the Temporary Mailing screen. TIP: You may also navigate to the Home, Previous Home, Employment, Previous Employment, Temporary Mailing and Identification tabs by clicking on the tabs rather than using the Next button. Page 166 of 279

167 Previous Employment The Previous Employment screen displays: (9) Click on the Modify button to file maintain any fields on the Previous Employment screen. Owner Previous Employment Field Description Valid Entries/Comments Employer: Address Type: Address 1: Member s previous employer name. Indicates whether the member address is domestic or foreign. Previous address of the member s employer. 25 alphanumeric characters Valid Values: Domestic Foreign 35 alphanumeric characters Address 2: Continuation of Address alphanumeric characters City: City in which the member was 35 alphanumeric characters previously employed. State/Province: Indicates the state or province in 2 alpha characters or 20 alphanumeric characters which the member previously NOTE: When the Address Type = Domestic use the State dropdown list. When the Address Type = Foreign, type the resided. province name. Postal Code: Country Member s previous employer zip code. Indicates the country in which the member previously resided. 5 digit postal zip code and 4 digit extension If you do not know the four-digit extension for the Zip Code, type four zeros or leave blank. Valid Values: drop-down list contains all country names NOTE: this field default to United States when the Address Type = Domestic and this field is disabled. When the Address Type = Foreign, then the you may select a country name from the drop-down list. Page 167 of 279

168 Owner Previous Employment Field Description Valid Entries/Comments How Long Years: Months: Number of years the member was employed. Number of months the member was employed. Valid Values: 1 99 Valid Values: 0-11 TIP: You may click on the Save button and bypass the Previous Employment, Temporary Mailing and Identification screens. (10) From the Previous Employment tab, click on the Next button, the Temporary Mailing screen is displayed. If you continue clicking on the Next button and you will advance to the Identification screen. TIP: You may also navigate to the Home, Previous Home, Employment, Previous Employment, Temporary Mailing and Identification tabs by clicking on the tabs rather than using the Next button. Temporary Mailing The Temporary Mailing screen displays: (11) Click on the Modify button to file maintain any fields on the Temporary Mailing screen. Page 168 of 279

169 Owner Temporary Mailing Field Description Valid Entries/Comments Address Type: Address 1: Indicates whether the temporary mailing address is domestic or foreign. Indicates the temporary mailing address of the member. Valid Values: Domestic Foreign 35 alphanumeric characters Address 2: Continuation of Address alphanumeric characters City: Indicates the temporary mailing 35 alphanumeric characters city of the member. State/Province: Indicates the temporary mailing state or province of the member. 2 alpha characters or 20 alphanumeric characters NOTE: When the Address Type = Domestic use the State dropdown list. When the Address Type = Foreign, type the province name. Postal Code: County: Country Phone: Start Date: End Date: Never Expire: Indicates the temporary mailing postal code of the member. County in which the member currently resides. Indicates the temporary mailing country of the member. Indicates the temporary mailing telephone number. Indicates the start date when all mailings are sent to the temporary mailing address. Indicates the end date when all mailings are sent to the Home or Work mailing address. Indicates that the temporary mailing address will all be used for all mailings and statements. 5 digit postal zip code and 4 digit extension If you do not know the four-digit extension for the Zip Code, type four zeros or leave blank. 20 alphanumeric characters NOTE: when the Address Type = Foreign, this field is disabled. Valid Values: drop-down list contains all country names NOTE: this field default to United States when the Address Type = Domestic and this field is disabled. When the Address Type = Foreign, then the you may select a country name from the drop-down list. 10 digits It is not necessary to enter any hyphens - or parentheses ( ) between the numbers. The system will automatically place parentheses around the area code and a hyphen between the prefix and suffix, i.e., (555) mmddccyy format mmddccyy format Valid Values: Check box format Unchecked = Expires or not used Checked = Never Expire TIP: You may click on the Save button and bypass the Temporary Mailing and Identification screens. (12) From the Temporary Mailing tab, click on the Next button, the Identification screen is displayed. TIP: You may also navigate to the Home, Previous Home, Employment, Previous Employment, Temporary Mailing and Identification tabs by clicking on the tabs rather than using the Next button. Page 169 of 279

170 Identification The Identification screen displays: (13) Click on the Modify button to file maintain any fields on the Identification screen. Maintain Applicant Identification Identification 1 Field Description Valid Entries/Comments Documentary Flag: ID Type: ID Description: ID Number: ID Issuance Date: Indicates the type if identification the member presents. Indicates additional information regarding the identification the member presented. Indicates the identification number of the type of ID the member presented. Indicates the date the ID was issued. Valid Values: Documentary Identification Non- Documentary Identification Valid Values: Foreign Government Issued ID Foreign Passport Known Existing Member Military ID Card Resident Alien Card State ID Card Unknown US Passport 25 alphanumeric characters 30 alphanumeric characters mmddccyy format Page 170 of 279

171 Maintain Applicant Identification Identification 1 Field Description Valid Entries/Comments ID Expiration Date: ID Verification Date: Maintain Applicant Identification Identification 2 Indicates the date the ID will expire. Indicates the date the credit union verified this ID, mmddccyy format mmddccyy format Field Description Valid Entries/Comments Documentary Flag: ID Type: ID Description: ID Number: ID Issuance Date: ID Expiration Date: ID Verification Date: Indicates the type if identification the member presents. Indicates additional information regarding the identification the member presented. Indicates the identification number of the type of ID the member presented. Indicates the date the ID was issued. Indicates the date the ID will expire. Indicates the date the credit union verified this ID, Valid Values: Documentary Identification Non- Documentary Identification Valid Values: Foreign Government Issued ID Foreign Passport Known Existing Member Military ID Card Resident Alien Card State ID Card Unknown US Passport 25 alphanumeric characters 30 alphanumeric characters mmddccyy format mmddccyy format mmddccyy format Page 171 of 279

172 Maintain Applicant Identification Identification 3 Field Description Valid Entries/Comments Documentary Flag: ID Type: ID Description: ID Number: ID Issuance Date: ID Expiration Date: ID Verification Date: Indicates the type if identification the member presents. Indicates additional information regarding the identification the member presented. Indicates the identification number of the type of ID the member presented. Indicates the date the ID was issued. Indicates the date the ID will expire. Indicates the date the credit union verified this ID, Valid Values: Documentary Identification Non- Documentary Identification Valid Values: Foreign Government Issued ID Foreign Passport Known Existing Member Military ID Card Resident Alien Card State ID Card Unknown US Passport 25 alphanumeric characters 30 alphanumeric characters mmddccyy format mmddccyy format mmddccyy format (14) Click on the Save button to update all file maintained fields. (15) Click on the Cancel button to return to the Owners screen. (16) Click on the Done button to return to the Account Profile screen. ~end~ Page 172 of 279

173 Owners Information Manage Owners Mail The Account Profile screen displays: (1) Click on the Suffix 0 drop-down list and select Owners Info. The Owners screen displays: (2) Click on the Mail icon to inquire/manage the owner s mail. Page 173 of 279

174 The Manage Owner Mail screen displays: (3) Click on the Modify button. Page 174 of 279

175 The Manage Owner Mail screen displays: The Manage Owner Mail Screen Displays the Maintenance Header for the Account, Suffix you are on. Notice the first Header Line states, The Following Addresses are available for <Member Name> <SSN>. Below that header, you will see the Home, Work and Temporary address for that Owner. When you click on the Modify button, you will be able to edit the addresses directly from this screen. The second header line states, <Member Name> <SSN> is the mail recipient on the following Accounts. This screen also displays all other suffixes for the existing account in addition to all account/suffix number this member is primary on. If the member requests a separate statement, select the separate statement check box option. This option also allows the user to select whether it is a mail or no mail type statement. You may also select a different address other than the Home Address should the member request their statement be sent to the work or temporary addresses. NOTE: Separate statements are not available for loans, credit cards or safe deposit boxes. These suffixes will always be combined with the share statement. From this screen, you will also be able to select an account and suffix to be mailed to a Temporary Address. Home address or Work address will also be selected. Temporary Address will override the home or work address when today s date falls between the start and end date range or never expire has been selected. (4) Click on the Save button to update all file maintained fields. Page 175 of 279

176 (5) Click on the Done button to return to the Account Profile screen. ~end~ Page 176 of 279

177 Owners Information View Credit Report The Account Profile screen displays: (1) Click on the Suffix 0 drop-down list and select Owners Info. The Owners screen displays: (2) Click on the View Credit Report icon to view an existing credit report for this member. Page 177 of 279

178 The Report List screen displays: (3) Click on the View Report icon of the credit report you wish to view. The View Existing Report screen displays: (4) To print the credit report, scroll to the bottom of the screen and click on the Print button. By clicking on the Print button, the Adobe Reader window opens. Page 178 of 279

179 The Adobe Reader window displays: (5) Click on the print icon to advance to the Print dialog box. The Print dialog box displays: Click on the OK button to send the document to the laser printer. Page 179 of 279

180 The Adobe Reader window displays: To close the window and return to the Query Results screen, click on the button located in the upper right corner of the window. The View Existing Report screen displays: To exit the View Existing Report screen, click on the Cancel button. ~end~ Page 180 of 279

181 Stop Payment Adding ACH Stop Payments The Account Profile screen displays: (1) Click on the Suffix 0 drop-down list and select Stop Payment. The Share Stop Payment screen displays: (2) Click on the Add Share Stop Payment tab. Page 181 of 279

182 You may add ACH stop payments on a share suffix in several ways, as summarized in the following table: When you know Use these fields How the system stops the items Exact amount Amount All ACH debits for the share suffix that match the amount entered are stopped and labeled STOP PAY ITEM on the ACH Non-Post Report. ACH source number ACH source number and exact amount Neither the exact ACH source nor the exact amount ACH source ACH Source and Amount ACH Source type All All ACH debits for the share suffix that match the ACH source entered are stopped and labeled STOP PAY ITEM on the ACH Non-POST Report. All ACH debits for the share suffix that match the ACH source number entered and that match the exact amount entered are stopped and labeled STOP PAY ITEM on the ACH Non-Post Report. All ACH debits for the share suffix that match the ACH source number entered but not necessarily the exact amount entered are stopped and labeled STOP PAY SUSPECT on the ACH Non- Post Report. All ACH debits for the share suffix that match the exact amount entered but not necessarily the ACH source number entered are stopped and labeled STOP PAY SUSPECT on the ACH Non- Post Report. All ACH debits for the share suffix from all ACH source numbers, regardless of the amount, are stopped and labeled STOP PAY ITEM on the ACH Non-Post Report. The Add Share Stop Payment screen displays: (3) Complete all applicable fields as defined by your credit union s policies and procedures. NOTE: The Stop Payment Fee is no longer derived from the IPB field: IP-SD-STOPPAY-CHG. This field should be zeroed out when a credit union goes live on i-power. The stop payment fee should be set up under Manager/Institution/Teller Fees in i-power. This Stop Payment Fee is for both Share (ACH Debits) and Draft (ACH Debits and Checks) stop payments. Page 182 of 279

183 Add Share Stop Payment Field Description Valid Entries/Comments Amount: ACH debit amount Dollars and cents Hold days: The number of days the stop pay is to stay on the system. If you leave this field blank, the value will default from your credit union s IPB file. Reason Code: The code that describes why the 2-digit credit union defined field. stop payment was placed. ACH source: The number assigned to the ACH source. When the source is unknown, enter All. Valid Values: ACH source number ALL Be sure you understand the consequences of typing ALL in this field; refer to the table above for an explanation. Payee: Fee Amount: Charge Fee: Additional information identifying the item to be stopped. The amount of the stop payment fee the member is to be assessed. Indicates whether the stop payment fee is assessed or waived when a stop payment is placed on the suffix. 20 alphanumeric characters This fee is set up under Manager/Institution/Teller Fees. Refer to the Customizing i-power Settings Guide for detailed information on the setup and maintenance of this field. Check box format Valid Values: Unchecked = No, member will not be charged Checked = Yes, member will be charged (The system will automatically debit the stop payment fee from the account.) The Add Share Stop Payment screen displays: (4) Once all applicable fields have been entered, click on the Post button to continue. Page 183 of 279

184 The Transaction Complete Message screen displays: (5) Click on the Done button to obtain the transaction receipt. You will return to the Main Navigation screen. ~end~ Page 184 of 279

185 Viewing ACH Stop Payments The Account Profile screen displays: (1) To view the Stop Payment, click on the Suffix 0 drop-down list and select Stop Payment. The Share Stop Payment screen displays: (2) Once you have reviewed all stop payments, click on the Cancel button to return to the Account Profile screen. ~end~ Page 185 of 279

186 Deleting ACH Stop Payments The Account Profile screen displays: (1) Click on the Suffix 0 drop-down list and select Stop Payment. The Share Stop Payment screen displays: (2) Click on the delete icon of the stop payment to be removed. Page 186 of 279

187 The Share Stop Payment screen displays: (3) Click on the OK button to delete the stop payment record. This does not delete the Stop Payment Fee the member was charged. If the Stop Payment Fee needs to be deleted, you must Error Correct or Reverse it from the Member History or the Electronic Journal. If the Stop Payment was entered incorrectly, re-enter the stop payment information and uncheck the Charge Fee check box prior to saving it. The Share Stop Payment screen displays: (4) Click on the Cancel button to return to the Account Profile screen. ~end~ Page 187 of 279

188 Warnings and Locks Use the following procedure to view, set, or remove a lock or warning flag on the share account and all associated suffixes. Both share lock and warning codes display on all monetary screens and on the Account Profile screen. A warning code alerts you to an exception condition. It does not prevent transactions. A lock code prevents over-the-counter financial transactions from being posted to the share account and all associated suffixes. It will not prevent service charges or payroll postings. Warnings and Locks are credit union defined, however, the Lock codes have specified system interpreted values and Warnings have 7 system-generated codes/descriptions that are not file maintainable. Please refer to the Customizing i- POWER Settings Guide for detailed information on the setup and maintenance of these fields. Locks Values System Interpreted Values must be removed by Supervisor with file maintenance before transaction can post require supervisor override for any withdrawals or paid out transactions on the account but no restraints for payments or deposits (paid in) require supervisor override for any transactions including paid in and paid out Warnings Number Description 1 Missing Members name and address 2 Share withdrawals in the current month (MTD) exceed the maximum number of share withdrawals allowed 4 Missing new account file maintenance (birth date, SSN, ownership code) 5 Combination of warning flags 1 and No date of birth 11 Combination of warning flags 1 and Frozen share pledge amount Page 188 of 279

189 There are two ways to access Share Warnings and Locks; they are as follows: The Account Profile screen displays: (1a) Click on the Suffix 0 drop-down list and select Warnings and Locks. The Account Profile screen displays: (1b) Click on the Lock or Warning code hyperlink to access the Warnings and Locks screen. Page 189 of 279

190 The Warnings and Locks screen displays: (2) To set or remove a lock or warning from the share account, click on the Modify button. The Warnings and Locks screen displays: (3) Click on the Locks or Warnings drop-down list and select the appropriate code/description. If you are removing a lock or warning, select --no lock-- or --no warning--. Page 190 of 279

191 The Warnings and Locks screen displays: The Warnings and Locks screen displays: (4) Click on the Save button when completed or cancel to return to the Account Profile screen. The Cancel button does not save changes. ~end~ Page 191 of 279

192 Account Overrides Options have been added to allow electronic access to delinquent accounts or accounts locked with lock codes These options are configured at the account level. The options are set at the account level. If set these allow a member to perform the electronic services requested even if the account has a delinquent loan or a lock out of The Account Profile screen displays: (1) Click on the Suffix 0 drop-down list and select Account Overrides. The Allow Locked/Delinquent Access - <account# - 0> screen displays: (2) Click in the Allow Delinquent and/or Allow Locked check box of the type of the electronic transaction type you wish to allow the member access based on delinquent or locked accounts. Page 192 of 279

193 The Allow Locked/Delinquent Access - <account# - 0> screen displays: (3) Once all settings are made, click on the Save button to return to the Account Profile screen.. NOTE: These access overrides affect all suffixes on the account. ~end~ Page 193 of 279

194 Check Holds Adding a Check Hold The Account Profile screen displays: (1) Click on the Suffix 0 drop-down list and select Check Holds. The Check Holds screen displays: (2) Click on the Add Check Hold tab. Page 194 of 279

195 The Checks Holds Details screen displays: (3) In the Check Hold Details screen, enter the number of Business Days the check is to be held against the suffix. The number of business days must be within 1 21 days. (4) Tab to the Amount field and enter the dollar amount of the check (whole dollars only) and click on the Save button. To add additional checks, repeat the process. Deleting a Check Hold The Account Profile screen displays: (1) Click on the Suffix 0 drop-down list and select Check Holds. Page 195 of 279

196 The Check Holds screen displays: (2) Click on the delete icon of the check hold. The Check Holds Delete Confirmation screen displays: (3) Click on the OK button to delete the check hold and return to the Check Holds screen. Page 196 of 279

197 The Check Holds screen displays: (4) Click on the Save button to return to the Account Profile screen. ~end~ Page 197 of 279

198 Dividend Information The Account Profile screen displays: (1) Click on the Suffix 0 drop-down list and select Dividend Info. The Share Dividend Information screen displays: (2) Click on the Modify button to file maintain all applicable fields or click on the Cancel button to return to the Account Profile screen. Page 198 of 279

199 Share Dividend Information Share Dividend Maintenance Field Description Valid Entries/Comments Dividend Method: Record Type: Last Dividend Date: Last Dividend Paid: Last Dividend Average Balance: <current year> YTD Dividends: <previous year> YTD Dividends: Accrued Dividends through Today: Anticipated Dividends through 00/00/0000: Aggregate Daily Balance: Aggregate Balance Through: SSN: Taxpayer Name: The method in which dividends are calculated, Daily Balance or Average Daily Balance. Indicates the type of account for dividend posting purposes. Indicates the date last dividend was posted to the suffix. Indicates the amount of last dividend posted to the suffix. Indicates the aggregate daily balance to be used in calculating the average daily balance for DOD-DOW (day of deposit to days withdrawal) dividends. Indicates the year-to-date taxable dividends paid to the suffix. Indicates the amount of taxable dividends paid to the suffix, not including IRA dividends, in the previous year. Indicates the total amount of dividends that have been calculated (based on current balance and daily rate) and store to post if using the daily accrual dividend method. Indicates the total amount of dividends calculated (based on current balance and rate) to be paid on the next dividend date. Indicates the total balance used to calculate dividends. Indicates the date the aggregate daily balance is calculated through. Indicates the member s social security number Indicates the member s last name, first name non-maintainable field This field is defined in the credit union s dividend structure. non-maintainable field The valid values are 0 through 9, which correspond to a record type value set in the credit union s dividend structure. Database Field Name: SH-DIVIDEND-TYPE non-maintainable field mmddccyy format Database Field Name: SH-DVND-DT non-maintainable field Database Field Name: SH-CURR-DVND non-maintainable field Database Field Name: SH-DTD-BAL 10.2 digits non-maintainable field Database Field Name: MA-YTD-DVNDS 10.2 digits non-maintainable field Database Field Name: MA-PREV-YR-DVNDS non-maintainable field Database Field Name: SH-ACR-DVND-TD non-maintainable field monetary format mmddccyy format non-maintainable field in this screen Database Field Name: MA-TAXPAYER-ID non-maintainable field in this screen Database Field Name: MA-SHORT-NAME Page 199 of 279

200 Share Dividend Information Taxpayer Field Description Valid Entries/Comments Back Up Withholding: Indicates whether backup withholding is initiated on the share account and all related suffixes that use the same SSN or Tax ID number for tax reporting purposes. Valid Values: = No withholding = Withholding (percentage set in your IPB-Institution Parameter Block) System Defined Values: 00 Mailing Not Sent (W-9 not sent) 01 Mailing Sent (W-9 sent, but member did not certify) 02 Invalid SSN 03 No Mail Acct 04 Member Certified (default if SSN was entered when the new share account was opened) 05 Foreign Member (No 1099 INT sent) 51 Withhold, Don t Produce W-9 52 Invalid SSN 53 Member Not Certified, IRS Notified, CU Withhold 54 Invalid SSN or Zero Designated Not To Withhold CU defined descriptions 50, Designated To Withhold CU defined descriptions Amount Withheld Year to Date: Payment Method: Transfer Account: Transfer Suffix: Indicates the year-to-date federal amount withheld from for dividends paid on the suffix. Indicates how the dividends are to be paid to this suffix. The account number to which dividends paid will be transferred to. The suffix number to which dividends paid will be transferred to. Refer to the Customizing i-power Settings Guide for detailed information on the setup and maintenance of this field. Database Field Name: MA-TEFRA-FD-EX-CD 10.2 digits This field will be reset to zero at the end of each calendar year. Database Field Name: MA-TEFRA-FDWH-AMT Valid Values: 1 Dividends Paid by check to Member When the dividend posting program runs, the system posts the dividends to the suffix and then processes the withdrawal by check, but does not print the check. Instead, the system flags the account on the Dividend Report to remind you to print the check. 2 Dividends Transferred to Another Account Dividends will post first to the suffix and then transferred. 3 Dividends Compounded Database Field Name: SH-INT-PMT-MTH Valid when option 2 - Dividends Transferred to Another Account is selected in the Payment Method field. Database Field Name: SH-INT-XFER-ACCT Valid when option 2 - Dividends Transferred to Another Account is selected in the Dividend Payment Method field. Database Field Name: SH-INT-XFER-TRLR Page 200 of 279

201 Share Dividend Information Taxpayer Field Description Valid Entries/Comments Post Dividends: Indicates whether dividends will be paid or not. Valid Values: 0 Dividends Paid on Acct 1 Dividends Not Paid on Acct (although no dividends will be shown in the fields on the Dividend Information screen, they will continue to accrue and will be retained in the background if you change to code 0 and post dividends to this account) 2-9 No Dividends for this period CU defined descriptions (the system does this by resetting the flag to code 0 once the dividends have been posted) Database Field Name: SH-DIV-FLAG The Share Dividend Information screen displays: (3) Click on the Save button to update any changes. Page 201 of 279

202 The Share Dividend Information screen displays: (4) Click on the Cancel button to return to the Account Profile screen. ~end~ Page 202 of 279

203 Tax Summary The Account Profile screen displays: (1) Click on the Suffix 0 drop-down list and select Tax Summary. The Share Tax Reporting Summary screen displays: (2) Click on the Modify button to file maintain all applicable fields or click on the Cancel button to return to the Account Profile screen. Page 203 of 279

204 Share Tax Reporting Summary Field Description Valid Entries/Comments SSN: Indicates the member's social security number. 9 characters Database Field Name: MA-TAXPAYER-ID Backup Withholding: Indicates whether backup withholding is initiated on the share account and all related suffixes that use the same SSN or Tax ID number for tax reporting purposes. Valid Values: = No withholding = Withholding (percentage set in your IPB-Institution Parameter Block) System Defined Values: 00 Mailing Not Sent (W-9 not sent) 01 Mailing Sent (W-9 send, but member did not certify) 02 Invalid SSN 03 No Mail Acct 04 Member Certified (default if SSN was entered when the new share account was opened) 05 Foreign Member (No 1099 INT sent) 51 Withhold, Don t Produce W-9 52 Invalid SSN 53 Member Not Certified, IRA Notified, CU Withhold 54 Invalid SSN or Zero Designated Not To Withhold CU defined descriptions 50, Designated To Withhold CU defined descriptions Dividends Earned YTD <previous year> Dividends Earned Amount Withheld YTD Certificate Penalties YTD Indicates the year to date taxable dividends paid to the account on shares, clubs, share drafts, and interest on certificates for All Suffixes, Member SSN, and Other SSNs. Designates the previous year to date taxable dividends paid to the account on shares, clubs, Sharedrafts, and interest on certificates for All Suffixes, Member SSN, and Other SSNs. Indicates the year to date amount that was federal withheld from the account for dividends paid on shares, clubs, share drafts and certificates for All Suffixes, Member SSN, and Other SSNs. Indicates the year to date penalties paid by the account for certificate withdrawals as assessed by the credit union All Suffixes, Member SSN, Other SSNs. Refer to the Customizing i-power Settings Guide for detailed information on the setup and maintenance of this field. Database Field Name: MA-TEFRA-FD-EX-CD 10.2 digits This field is used for 1099 reporting. At the end of the year, the value in this field is moved to the previous year dividends earned. Database Field Name: MA-YTD-DVNDS 10.2 digits *This value is dynamically reset upon the rollover of a new year. Database Field Name: MA-PREV-YR-DVNDS 10.2 digits This field will be reset to zero at the end of each calendar year. Database Field Name: MA-TEFRA-FDWH-AMT 10.2 digits This field does not include any penalty assess for IRA accounts. This field will be reset to zero at the end of each calendar year. Database Field Name: MA-CD-YTD-PENALTY Page 204 of 279

205 Share Tax Reporting Summary (continued) Totals for All Suffixes Under Member s SSN Field Description Valid Entries/Comments IRA Dividends YTD Interest Paid YTD <previous year> Mortgage Interest Paid <previous year> Loan Interest Paid Last Interest Refund Date Last Interest Refund Amount Indicates the year to date dividends earned on all IRA accounts for the member. Designates the year to date interest paid to the account on consumer loans. Indicates the previous year to date interest paid to the account for mortgage loans (real-estate loans). Indicates the previous year to date interest paid to the account for consumer loans. Indicates the date of the last interest refund that was credited to the account. Indicates the amount of the last interest refund that was credit to the account digits The total of all IRA suffixes (clubs and certificates) under this SSN. NOTE: This figure is not included in the field MA-YTD- DVNDS as IRA dividends are not considered taxable. Database Field Name: MA-IRA-YTD-DVNDS 10.2 digits Each loan payment and interest adjustment will update this field. This field will be reset to zero at the end of each calendar year. Database Field Name: MA-YTD-INT *This value is dynamically reset upon the rollover of a new year. Database Field Name: MA-PREV-MTG-INT digits *This value is dynamically reset upon the rollover of a new year. Database Field Name: SH-PREV-YR-INT mmddccyy format Database Field Name: SH-INT-REFUND-DT 10.2 digits Database Field Name: SH-CUR-INT-REFUND The Share Tax Reporting Summary screen displays: (3) Click on the Save button once all file maintenance is completed and then click on the Cancel button to return to the Account Profile screen. ~end~ Page 205 of 279

206 Overdraft Protection Up to 10 overdraft accounts can be either selected or entered. The user can use the up and down arrows to sort the order of the overdraft accounts. The order is important because the order of the accounts will determine the priority order the system will use when searching for overdraft funds to clear an item. Overdraft, NSF and Returned Items are stored in the Historical Statistics area. These statistics display the number of overdrafts, NSFs and returned items for This Statement period, QTD (Quarter to Date), YTD (Year to Date) and ITD (Inception to Date). The Account Profile screen displays: (1) Click on the Suffix 0 drop-down list and select Overdraft Protection. Page 206 of 279

207 The Share Overdraft Protection screen displays: (2) Click on the Modify button to add overdraft protection to the Share account. The Share Overdraft Protection screen displays: (3) Click on the drop-down list for Overdraft Protection? field and select option 1= Allow Overdrafting. Page 207 of 279

208 The Share Overdraft Protection screen displays: (4) Click on the drop-down list to Add Related Overdraft Accounts. Select and click on the Add icon of the account you wish to overdraft to. Repeat this process to add all other related accounts the share account may overdraft to. NOTE: The accounts/suffixes displayed in this drop-down list are tied to the member s SSN and includes all accounts/suffixes the member is primary and/or a joint owner on. In addition to accounts for which the member is an owner, the user can also Add Other Overdraft Accounts. (Example: A parent wants to allow the child s account to overdraft to their own account but the child is not an owner on the parent s account.) If the member or any other owner is not an owner on the account and suffix that is entered, an override message number 694 will be returned. The message will be A common account owner does not exist. If a credit union does not want to allow entry of overdraft accounts in which a common account owner does not exist, the override level can be set to a 9 which cannot be overridden. Within this area a user can search for the account number and suffix number if they are not known by clicking on the Search icon. For those overdraft accounts where a common account owner does not exist, the account owners will be displayed for verification. The first owner name will be displayed, which will typically be the member name, with a drop-down list the user can click on to see the other owner names. Page 208 of 279

209 The Share Overdraft Protection screen displays: (5) Enter the account number in the Account Number field and tab to the Suffix field; enter the suffix number of the other overdraft accounts you wish to overdraft to. Click on the Add icon to add it to the Overdraft Accounts area. Repeat this process to add all other overdraft accounts the share account may overdraft to. The Share Overdraft Protection screen displays: (6) Click on the Save button once all file maintenance is completed and then click on the Cancel button to return to the Account Profile screen. ~end~ Page 209 of 279

210 General Share Information The General Share Information menu is comprised of three pages: Page 1 Primary Share Information Product Information Balances Holds and Pledges Regulation D Dates Statement Page 2 Secondary Share Information Service Charges Relationship Pricing Withdrawals Miscellaneous Codes Page 3 Miscellaneous Share Information Loans Credit Union Defined Page 4 Custom Fields The Account Profile screen displays: (1) Click on the Suffix 0 drop-down list and select General Share Info. Page 210 of 279

211 General Share Information / Page 1 The Page 1 screen displays: (2) Click on the Modify button to file maintain the fields on Page 1. General Share Information Page 1 Product Information Field Description Valid Entries/Comments Product Class ID: Indicates the number assigned to the share category. Valid Values: Database Field Name: SHPR-PROD-NUM Account Description: Indicates the description of the product share class. 25 alphanumeric characters Database Field Name: SHPR-PROD-NAME Balances Field Description Valid Entries/Comments Current Balance: Indicates the member s actual balance. non-maintainable field Database Field Name: SH-CURR-SHARE-BAL Available Balance: Indicates the amount available to the member for monetary disbursement transactions. non-maintainable field The Available Balance field is calculated by subtracting the minimum share balance field (set in your credit union s IPB- Institution Parameter Block), Check Holds, Loan Holds, Miscellaneous Holds and Pledge Amount fields from the Current Balance field. Page 211 of 279

212 General Share Information Page 1 Holds and Pledges Field Description Valid Entries/Comments Check Holds: Loan Holds: Misc Holds: Member Fees Due: Pledge Amount: Pledged/Loan Number: Indicates the check amount held against the suffix. Indicates the total amount of loan payments held against the share balance for share to loan transfers. Indicates a secondary hold field for credit union use held against the suffix. Indicates the total amount of membership fee due for the account when opened if the open amount was zero. Indicates the amount of the suffix secured as the loan collateral. Indicates the account number and suffix number of the loan pledged against the suffix. non-maintainable field Holds in this field roll off the system based on the expiration date. Database Field Name: CH-HOLD-AMT (01) (31) Payroll run options are as follows: Accrue at deduction: Total of loan payments is stored in the field "MA-TOTAL-LN-PYMTS". As payrolls are posted, the amount is stored in this area until it equals the amount in MA-TOTAL-LN-PYMTS. After share to loan transfer, the loan hold field (MA-PRL-REG-DE- ACR) will be set to zero. Accrue at transfer: Total of loan payments held at posting. After transfer, the system recomputes and places this amount in place of the amount to be held at next payroll posting. *Also reflected in DS-HOLD-AMT Holds in this field roll off the system as payments are made or you may click on the link and edit the loan hold amount. Database Field Name: MA-PRL-REG-DE-ACR Whole dollars only Holds in this field must be manually removed. Database Field Name: MA-PRL-MSC-DE-ACR The fee amount due, if not collected when the account was opened is stored in this field. The system will automatically collect a membership fee and zero out the field from the first over-the-counter, payroll, or ACH deposit transaction that is greater than the fee due. (The fee is not collected from miscellaneous-disbursement or wire-in transactions). Database Field Name: SH-FEES-DUE whole dollars only This field is reduced by principal payments for collateral codes 33, 92, 93, 95 and/or 99 loans on the same account if the credit union has selected that option in the IPB-Institution Parameter Block. Database Field Name: SH-SHARE-PLEDGE non-maintainable field Database Field Name: SH-PLEDGE-ACCT and SH-PLEDGE- DESC Page 212 of 279

213 General Share Information Page 1 Regulation D Field Description Valid Entries/Comments Regulation D Code: Regulation D Withdrawals Total: Regulation D Withdrawals By Check/Draft/Debit Card: Indicates the Regulation D reserve code attached to the suffix. Indicates the total number of Regulation D type transfers against the suffix that have been processed this month. Indicates the total number of specialty controlled Regulation D type transfers against the suffix that have been processed this month. Credit Union Defined Codes Valid Values: = Non-Transaction Type Account CU defined descriptions = Transaction Type Account CU defined descriptions Database Field Name: SH-REG-D-CODE 2 digits This field is not updated unless the Reg D code is Database Field Name: SH-REG-D-CTR 2 digits This field is not updated unless the Reg D code is Database Field Name: SH-REG-D-CTRL-CTR Dates Field Description Valid Entries/Comments Date Overdrawn: Indicates the date the last time in the suffix was overdrawn (negative balance). non-maintainable field mmddccyy format Database Field Name: SH-DT-OVERDRAWN Open/Close Code: Indicates the open or closed code for the suffix. Valid Values: 0 Account Closed 1 Account Open 2 Account Open for Charge Off Loan Database Field Name: SH-OPEN-CLOSED-CD Date Opened: Indicates the date in which the suffix was opened. mmddccyy format Database Field Name: SH-DT-OPENED Date Closed: Indicates the date in which the suffix was closed. mmddccyy format Database Field Name: SH-DT-CLOSED Last Activity Date: Indicates the date of last activity. Date (MMDDYY) the prime share and/or any of its related suffixes (Loans, Sharedraft, etc.) had a dollar transaction. Statement Field Description Valid Entries/Comments Last Statement Date: Last Statement Balance: Indicates the last date the statement was produced or if the suffix has not had a statement produced since the account was opened, the date in this field will be equal to 1 day before the date opened. Indicates the balance of the suffix when the last statement was printed. mmddccyy format NOTE: Dividend and interest refund transactions do not update this field, however name and address changes update this field. Database Field Name: MA-DT-LAST-ACTIVE non-maintainable field Database Field Name: SH-DT-LAST-STMNT non-maintainable field Database Field Name: SH-STMT-SHARE-BA Page 213 of 279

214 General Share Information Page 1 Statement Field Description Valid Entries/Comments E-Statement Registration: Language: Share Draft Cycle Date: Loan Draft Cycle Date: Indicates whether or not the member receives an electronic copy of their statement. Indicates the language of choice for each member within the share account. In the future, changes will be made to provide the Language option to the statement vendor to translate the English statement into another language such as Spanish. Indicates the default draft cycle date for all suffixes. *See the Statement Draft Cycling section for additional details. Indicates the default draft cycle date for all loan draft suffixes. Valid Values: N No Electronic Statement O Yes, via other H Yes, via Homebanking Database Field Name: SH-FF-CTR-2 Valid Values: 00 English CU Defined Descriptions Before a user can select a language other than English, the credit union must enter a language other than English under the Language Codes menu option located under Manager/Institution/Shares/System Code/Language Codes. NOTE: Prior to adding a new foreign language option, ensure your vendor will convert English into this foreign language. Please refer to the Customizing i-power Settings Guide for detailed information on the setup and maintenance of this field. Database Field Name: MA-LANG-CODE Valid Values: EOM 1-30 credit union defined dates within the Statement Options. Valid Values: EOM 1-30 credit union defined dates within the Statement Options. *See the Statement Draft Cycling section for additional details. Service Center Fee Plan Field Description Valid Entries/Comments Fee Plan: Indicates the service center fee Valid Values: plan set for the account 1 20 = CU Defined Page 214 of 279

215 The Page 1 screen displays: (3) Click on the Save button once all file maintenance is completed. (4) Click on the Cancel button to return to the Account Profile screen. ~end~ Page 215 of 279

216 Maintaining Loan Holds from General Share Information / Page 1 This procedure assumes you are starting from the General Share Information / Page 1 screen. The General Share Information / Page 1 screen displays: (1) To view and/or edit a loan hold, click on the Loan Holds link. NOTE: If the Loan Hold is 0.00 and the link is click on, the system will return the warning message Warning: No Source were found for account Number [######]. The Share Loan Holds screen displays: (2) Click on the Edit icon of the loan you wish to edit. Page 216 of 279

217 (3) Edit the Loan Hold amount field and click on the Done button when completed. The Share Loan Holds screen displays: (4) Click on the Done button to return to the General Share Information / Page 1 screen. ~end~ Page 217 of 279

218 General Share Information / Page 2 The Page 2 screen displays: (1) Click on the Modify button to file-maintain fields on Page 2. General Share Information Page 2 Service Charges Field Description Valid Entries/Comments Par Charge Exempt Code? Lowest Balance this Par Charge Cycle: Excess Withdrawal Charge/Exempt Code: Indicates whether or not a member is exempt from a fee being charged. Indicates the amount of the lowest balance per Par charge (monthly or quarterly) cycle. Indicates whether a member will be assessed an excess withdrawal fee based on the number of cash or check withdrawals made on a share account within a credit union defined period of time. Valid Values: 0 Eligible for charge 1 Exempt Share only 2 Exempt Share and clubs 3 Exempt Share, clubs and drafts Database Field Name: MA-MIN-BAL-FEE-CD This field will be updated with the current balance after a monetary transaction has occurred if the current balance is less than the amount already existing in the field. Database Field Name: SH-MIN-BAL-MTD Valid Values: 0 Acct is not Exempt Share Excess Withdrawal Fee 1 Acct Exempt Share Excess Withdrawal Fee Database Field Name: SH-EXEMPT-CODE Page 218 of 279

219 General Share Information Page 2 Relationship Pricing (Not used at this time/reserved for Future Use) Field Description Valid Entries/Comments Package Code: Assigned Date: Fees Waived CTD: Fees Waived YTD: Withdrawals MTD: Indicates the relationship-pricing package to which the account is assigned, if any. Indicates the date in which the account was assigned to the relationship-pricing package. Indicates the total amount of fees that have been waived this statement cycle for the account in regards to relationship pricing. Indicates the total amount of fees that have been waived this year for the account in regards to relationship pricing. Indicates the number of withdrawals month-to-date for suffix withdrawals using funds type cash or check. 6 alpha characters Database Field Name: MA-REL-PKG-CODE mmddccyy format Database Field Name: MA-REL-PKG-DATE monetary format Database Field Name: MA-REL-FWAIVED-TC monetary format Database Field Name: MA-REL-FWAIVED-TY 2 digits The excess withdrawal fee does not update this field. When the counter exceeds the allowed number of share withdrawals, a fee will be taken from the member s account. Error Corrections/Reversals of the share withdrawal fee will reduce this counter. This field is reset to 0 at the start of each month. Database Field Name: SH-MTH-WDL-COUNT QTD: Indicates the number of withdrawals quarter-to-date for suffix withdrawals using funds type cash or check. 2 digits This field is reset to 0 at the start of each quarter. Database Field Name: SH-QTR-WDL-COUNT YTD: Indicates the number of withdrawals year-to-date for suffix withdrawals using funds type cash or check. 2 digits This field is reset to 0 at the start of each year. Database Field Name: SH-YR-WDL-COUNT Miscellaneous Codes Share Insurance: Indicates the suffix status code. Credit Union Defined Codes Valid Values: 1 7 = Insured CU defined descriptions System Defined Values: 8 Deceased, uninsurable 9 Disabled, Uninsurable New accounts are automatically set to 1 The number of accounts and balances are sorted by this code at the end of the Trial Balance/RMG250. Database Field Name: SH-ACCT-STATUS Monetary Code: Indicates whether or not financial transactions are allowed. Valid Values: 0 Transactions Allowed, Will Appear on Statement 1 Transactions Not Allowed, Will Not Appear on Statement Database Field Name: SH-MONETARY-CODE Page 219 of 279

220 General Share Information Page 2 Miscellaneous Codes Field Description Valid Entries/Comments Audit Flag: Indicates whether a member is exempt from being assessed fees for money orders, traveler s checks, wires, and cahiers checks. System Defined Values: 0 Member Not Exempt From Fees Credit Union Defined Codes Valid Values: 1 3 = Exempt From Fees CU defined descriptions 4 9 = Non Exempt From Fees CU defined descriptions *When this field is set to a value > 0, the account is reported on the Daily Transaction Register Audit Report / RMG10230 when activity occurs. Database Field Name: MA-AUDIT-REP-FLAG EFT Statement? Secured Statements Indicates the electronic funds transfer flag. This field was formerly known as Restricted Accounts? Credit unions currently use this field to restrict statements by putting them in a separate file (via VCI740). This field no longer indicates whether the user can view the share account (and related suffixes) balance and transaction history both on-screen and on printed documents. This option is now set under the Institution Menu. Check Box Format Valid Values: Unchecked = No (0) Checked = Yes (1) The system will set this flag as Checked if an EFT transaction has occurred. A statement will be produced if this box is checked. This flag does not effect quarterly statements since quarterly statements are produced for all accounts regardless of EFT transactions. This flag will only effect the production of monthly statements. Database Field Name: MA-EFT-FLAG Refer to the i-power Institution Menu User Access Management/Restricted Accounts Options Guide for more information. Database Field Name: MA-SECURITY-CODE Ownership: Identifies the type of suffix. Credit Union Defined Codes Valid Values: 0 6 = CU defined descriptions 8 9 = Other Uninsurable System Defined Values: 7 = Organization Account (excluded from the Uninsurability Report) The number of accounts and balances are sorted by ownership code at the end of the Trial Balance/RMG250 Database Field Name: SH-OWNERSHIP Page 220 of 279

221 General Share Information Page 2 Miscellaneous Codes Field Description Valid Entries/Comments Mail: Privacy Act: NCUSIF Type: Branch Number: Indicates whether statement mailings are sent to the member or held at the credit union Indicates a member s intention on sharing his/her data with third party marketing vendors. Indicates special account designation that reporting programs use to calculate insurable and uninsurable deposit amounts. Indicates the branch number where the member s account resides (the member home branch). System Defined Values: 0 1 = Mail Credit Union Defined Codes Valid Values: 2 9 = Do Not Mail CU defined descriptions Database Field Name: MA-MAIL-CODE Valid Values: 0 Accept Market Mail 1 Do not Accept Market Mail Database Field Name: SH-FF-FLAG-3 System Defined Values: 0 Regular Single Owner 10 Regular Joint Owner 20 IRA Accounts Credit Union Defined Codes Valid Values: Deferred-compensation accounts CU defined descriptions SEP Account (Pension/Profit Sharing) CU defined descriptions Irrevocable trust accounts CU defined descriptions Fiduciary accounts (custodian, guardian, or conservator accounts) CU defined descriptions Executor accounts (accounts held by an executor or administrator in a fiduciary capacity) CU defined descriptions Testamentary accounts (revocable, tentative, Totten, or payable-on-death (POD) trust account in which the beneficiary is a spouse, child, or grandchild of the member) CU defined descriptions Corporate, organization, partnership, and unincorporated association accounts CU defined descriptions These accounts are maintained under the corporation s tax ID number Public units accounts (in which the funds are invested by someone in a custodial capacity for a public unit) CU defined descriptions These accounts are maintained under the custodian s Social Security Number. Database Field Name: SH-NCUSIF-TYPE This field defaults to the branch number set up in each workstation record. You can change it, however, by typing over the value in this field. NOTE: by changing the Branch Number, you could impact the General Ledger. Make sure the Branch Number is valid. Database Field Name: MA-ACCT-BRANCH-NR Page 221 of 279

222 General Share Information Page 2 Miscellaneous Codes Field Description Valid Entries/Comments Credit Card Code: Indicates the member has a 2 digits credit/debit card. If the credit card code is equal to 00 or if the second digit of the code is equal to 7, 8, or 9, the card is considered closed by the system. Otherwise, the card is considered active and the share account may not be closed until: 1) Supervisor override is applied, or 2) Credit card code is file maintained. An error CREDIT CARD OPEN will be displayed upon transmitting of close share transaction if the card is deemed open by the system based on the values being X0, X1, X2, X3, X4, X5, or X6. NOTE: This field is user-defined and maintained. No system control or update. Database Field Name: MA-CREDIT-CARD-CD The Page 2 screen displays: (2) Click on the Save button once all file maintenance is completed. Page 222 of 279

223 (3) Click on the Cancel button to return to the Account Profile screen. ~end~ Page 223 of 279

224 General Share Information / Page 3 The Page 3 screen displays: (1) Click on the Modify button to file maintain fields on Page 3. General Share Information Page 3 Loans Field Description Valid Entries/Comments Last Application Date: Last Application Amount: Last Application Status: Last Application Denial Code: Loan Denial Code: Loan Officer: Credit Rating Code: Number of Delinquent Loans: Date of the last loan application. Amount of the last loan application. Status code of the last loan application. Denial code of the last loan application. Reason the loan was denied. Number of the loan officer who denied the last loan application. Indicates the member's credit rating code. This field is a credit union option. User-defined and maintained, no system control or update. Indicates the total number of delinquent loan suffixes attached to the account. mmddccyy format Database Field Name: MA-LS-APPL-DT whole dollars only. Database Field Name MA-LS-APPL-AMT 3 digits Database Field Name: MA-LS-APPL-STATUS 6 digits Database Field Name: MA-LS-APPL-DENIAL 2 digits Database Field Name: MA-LN-DENIAL-CD 3 digits 1 digit Credit Union Defined Codes Valid Values: 0 9 = CU defined descriptions Database Field Name: MA-CR-RATING 2 digits Database Field Name: MA-NR-DELQ-LNS Page 224 of 279

225 General Share Information Page 3 Loans Field Description Valid Entries/Comments Bankruptcy Code: ATM Batch NSF Count: TRW Status: TRW Renewal Date: TRW Last Used: Member Id Number: Credit Union Defined Cross Reference Number: Number of Phone Inquiries MTD: Date of Death: Indicates that this member has filed for bankruptcy. Total number of ATM batch transactions for this account that were non-sufficient funds (NSF). Credit bureau reporting status of this account. Indicates the member s renewal date for TRW credential when the TRW Status=1. Indicates the last TRW credential was used for the member. Indicates the identification of the member on the TRW Credential. Indicates the old cross reference account number. This is credit union defined and maintained. There is no system control or update. Indicates the number of time the member has called for account information utilizing the Voice module. Member s date of death, if applicable. 1 digit Credit Union Defined Codes Valid Values: 0 9 = CU defined descriptions Database Field Name: MA-BANKRUPT-CODE 4 digits Database Field Name: MA-ATM-BATCH-NSF Valid Values: 0 = Non-Participating 1 = Participating/Renewable 2 = Participating/Non-Renewable Database Field Name: MA-TRW-STATUS mmddccyy format Database Field Name: MA-TRW-RENEWAL-DT non-maintainable field mmddccyy format Database Field Name: MA-TRW-LAST-DT non-maintainable field 12 digits Database Field Name: MA-TRW-MEMBER-ID 10 digits Database Field Name: MA-ACCOUNT-XREF 2 digits Used to prompt credit union personnel to charge for each telephone inquiry that exceeds the maximum allowed. The system resets this field to zero during month-end procedures, but does not update this field automatically. Database Field Name: MA-NR-TEL-INQ-MTD mmddccyy format Indicates the member s date of death. Database Field Name: MA-DT-OF-DEATH Page 225 of 279

226 The Page 3 screen displays: (3) Click on the Save button once all file maintenance is completed. (4) Click on the Cancel button to return to the Account Profile screen. ~end~ Page 226 of 279

227 General Share Information / Page 4 The Page 4 screen displays: (1) Click on the Modify button to file maintain the fields on Page 4. General Share Information Page 4 Custom Fields Field Description Valid Entries/Comments Field 1 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Database Field Name: Field 2 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 3 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 4 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 5 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 6 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 7 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 8 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 9 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Page 227 of 279

228 General Share Information Page 4 Custom Fields Field Description Valid Entries/Comments Field 10 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 11 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 12 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 13 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 14 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 15 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 16 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 17 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 18 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 19 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 20 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Page 228 of 279

229 The Page 4 screen displays: (3) Click on the Save button once all file maintenance is completed. The Page 1 screen displays: (4) Click on the Cancel button to return to the Account Profile screen. ~end~ Page 229 of 279

230 Custom Fields The Account Profile screen displays: The values for the first 5 Custom Fields can be seen on the Account Profile screens once data is entered. They are displayed in the order specified on the Manage Custom Fields screen but fields with no data will not be displayed. The following image shows the Account Profile screen with the mouse over popup displayed. Clicking on the Modify Custom Fields link can modify these fields. Page 230 of 279

231 The Page 4 screen displays: (1) Click on the Modify button to file maintain the fields on Page 4. General Share Information Page 4 Custom Fields Field Description Valid Entries/Comments Field 1 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 2 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 3 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 4 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 5 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 6 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 7 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 8 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 9 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Page 231 of 279

232 General Share Information Page 4 Custom Fields Field Description Valid Entries/Comments Field 10 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 11 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 12 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 13 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 14 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 15 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 16 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 17 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 18 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 19 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Field 20 Credit Union Defined Up to 20 alphanumeric characters Credit Union Defined Page 232 of 279

233 The Page 4 screen displays: (3) Click on the Save button once all file maintenance is completed. The Page 1 screen displays: (4) Click on the Cancel button to return to the Account Profile screen. ~end~ Page 233 of 279

234 Employee Payroll Information The Account Profile screen displays: (1) Click on the Suffix 0 drop-down list and select Employee Payroll Info. The Share Employee Payroll Information screen displays: (2) Click on the Modify button to file maintain the Employer Information fields. Page 234 of 279

235 Share Employee Payroll Information Employer Information Field Description Valid Entries/Comments Employer s Name: Employer s Address: City: State/Zip: Phone Number: Primary Source: Location Number: Occupation: Employment Date: Payroll Number: Member s current employer name. Current address of the member s employer. Current city in which the member is employed. Current state and zip code in which the member is employed. Member s current work area code and telephone number. Indicates the member's primary payroll source number. Indicates the member s location/department number. Member s occupation, position, rank or grade. Indicates the member s date of hire. Indicates the number by which the member is recognized by their employer (company), example badge number, service number, etc. non-maintainable field from this screen. This field can be file maintained from Owners Info option - Employer Demographics screen. non-maintainable field from this screen. This field can be file maintained from Owners Info option - Employer Demographics screen. non-maintainable field from this screen. This field can be file maintained from Owners Info option - Employer Demographics screen. non-maintainable field from this screen. This field can be file maintained from Owners Info option - Employer Demographics screen. non-maintainable field from this screen. This field can be file maintained from Owners Info option - Employer Demographics screen. 5 digits Database Field Name: MA-M-PRIM-SRC 4 digits Database Field Name: MA-PRL-DEPT-NR 20 alphanumeric characters This field also updates Employer Demographics screen. mmddccyy format This field also updates the Employer Demographics screen. 9 digits Database Field Name: MA-PRL-NR Page 235 of 279

236 The Share Employee Payroll Information screen displays: (3) Click on the Save button once all file maintenance is completed. (4) Click on the Cancel button to return to the Account Profile screen. ~end~ Page 236 of 279

237 Produce Documents Please refer to the i-power Manage Documents Workbook to add, modify or delete documents. The Account Profile screen displays: (1) Click on the Suffix 0 drop-down list and select Produce Documents. Page 237 of 279

238 The Produce Documents screen displays: (2) If your credit union utilizes on-line documents, select the document to be printed by clicking in the check box and click on the Print button. The document will automatically be sent to the designated laser printer and printed. To view the document prior to printing, select the Display button. A Microsoft Word window will open with the document and you may also print this document from this window. NOTE: Please select each document to be printed individually. ~end~ Page 238 of 279

239 MR2.6.0 Release Enhancement - - CQ# Address Enhancement For consistency purposes, Address fields throughout the system have been expanded to allow for a maximum of 129 characters (including the At A correction was also provided where the i-power Maintain Home Banking screen allowed for 30 characters while the Maintain Owner - Home and Employment screens allowed for 50. In cases where the member s home banking was the same as home or work and was greater than 30 characters, the system was unable to store the complete home banking address in i-power. As a result, users will now be able to define home banking addresses in a different manner described later in this document. In addition to the expansion, simple validations such as the ones below will be performed to ensure the entered is in a correct format: Ensure at least/only one At exists and such as ipower@epl.net Ensure consecutive Periods. do not exist such as ipower..@epl.net Ensure no empty spaces exist such as ipower ipower@epl.net The period. when entered before the At cannot be next to such as ipower.@epl.net. Please note that s such as ipower.ipower@epl.net will be permitted. If an address is entered that does not meet the criteria mentioned a warning message will be presented to inform the user to re-enter the address: The following i-power screens have been affected by these changes: 1. Maintain Owner Home 2. Maintain Owner Employment 3. Member Profile 4. Maintain Home Banking 5. Maintain Applicant Address 6. Maintain Applicant Employment 7. Maintain Employment Income 8. Manage Third Party Dealer Information 9. Manage Branch Details 10. Manage Credit Union ACH Options Page 239 of 279

240 For accounts with more than 50 characters, simply hover with the mouse over the Address field on the Member Profile screen to view the member s complete address as illustrated below: Page 240 of 279

241 Changes to member s Maintain Home Banking screen: Users will experience a change with maintaining the member s home banking address. Prior to this release, only one field was presented as illustrated below. Before: Page 241 of 279

242 Now, the user will have 3 options to set the member s home banking address: 1. None 2. Home 3. Work If the member has home and/or work address defined in their profile (under Maintain Owners), the system will now present each address on the Maintain Home Banking screen. If the member wants his/her home banking set to home, simply select Home. If the member wants his/her set to work, simply set to Work. If the member does not have an e- mail address or does not want their used for home banking, set the address to None. Users will also have the ability to modify the member s home and work from the Maintain Home Banking screen. Changes made here will take effect on the Maintain Owners screen eliminating the need to navigate to more than one screen to change the same field. After: Page 242 of 279

243 If the member s address is set to either home or work, the corresponding text field will be a required entry. If one is not specified, a warning message will display to indicate an address. Page 243 of 279

244 On the Maintain Owner screen, if user attempts to modify the address (either home or work) that is designated as the home banking , a warning will display to warn the user that the they are attempting to change is the one defined for Home Banking and E-Statements. Clicking <OK> will result in the update. Please note that if the address is changed on the Maintain Home Banking screen, no message will display. The system will simply accept the change and update accordingly. Page 244 of 279

245 The Share History screen will present changes made to the field accordingly. ~end~ Page 245 of 279

246 MR Release Enhancement - - CQ# Statement Draft Cycling With the MR release the credit union can cycle statements from the first day of the month though the last day of the month. Prior to MR 2.6.0, the credit union could only cycle statements though the 27 th of each month. Benefits Statement cycling is only allowed when the member s account has an open draft. Once the criteria are met, the entire combined statement can be produced on a date other than the default end of the month (EOM) date. When a member has an account without an open draft, it will drop at the end of the month or quarter; dependant upon EFT activity. Credit unions might want less volume produced at one time with statement creation. Cycling enables a credit union to pick any number of days to produce a statement for a member s draft. When the draft is opened it is assigned the next closest number and over time the credit union draft account statements will be produced at intervals set by the credit union. NOTE: Mail code will determine if the member has a combined statement or separate statements. If an account is set to cycle and also is set to have separate draft statements then both statements will be produced on the cycle date. Decisions First your credit union will need to answer two questions: 1) Does the credit union want to cycle accounts with drafts? If the credit union chooses to cycle statements then answer yes to question 1. Please consider the following when choosing to cycle accounts with drafts: If the credit union chooses to cycle, only members with an End of Month (EOM) cycle date will receive end of year statements that include the current year tax information on the statement. NOTE: VCI194 will run to produce your 5498s (Fair Market Value of IRAs). Your credit union will be responsible for ensuring the forms are sent to members that did not receive the End of the Year Statements. With daily cycling, year-end statements are not produced. Therefore, the credit union will rely on the 1099INT for interest earned greater than 10 dollars and the 1098 Mortgage Interest greater than 600 dollars for the member s tax reporting. Again, the credit union is responsible for ensuring these forms are sent to the members. 2) Does the credit union want separate statements for Loan Drafts? If the credit union chooses to drop Loan Draft statements on a specific day of the month (different from the Share default EOM and/or other non-loan draft statements), then answer yes to question 2. NOTE: You may select several days for cycling Loan Draft statements. Page 246 of 279

247 Statement Options Setup IPB If the answer to either question is yes, contact ODI Deposit Support They will assist with the implementation of statement draft cycling for the credit union. They will set the IPB options to turn on cycling for drafts and/or loan drafts. Statement Option IP-STMNT-OPTION (1) 0 = Drafts (VCI171) / Loandrafts (VCI176) on a cycle, remaining sub accounts (VCI740) at EOM/EOQ. 1 = Drafts (VCI740) / Loandrafts (VCI176) on a non-eom cycle, remaining sub accounts (VCI740) at EOM/EOQ. (Cycle Day can only be 1-27) 2 = All sub accounts (suffixes) (VCI740) at EOM/EOQ, Loandrafts (VCI176) on a cycle. (IP-PRINT-HE-LOANS determines if loandrafts are in VCI740 or VCI176) VCI171 not allowed. 3 = Drafts (VCI171) & Loandrafts (VCI176) on a cycle, (Do not allow certificate sub accounts (suffixes) ) (OLVFSA, OL2020, OLFM20, OLSH01, VCI357, VCUSTM, TELLER and many others) (2 at EPL Data Center Conversion Statement Drop Code IP-STMT-DROP-CODE (1) 1 = Cycling on; statements drop on CU defined date(s) setup on the Statement Options screen for Draft Cycle Date and/on Loan Draft Cycle Dates. 2 = All statements drop at EOM Print Home Equity Loans Drafts IP-PRINT-HE-LOANS (1) Determines whether loandrafts are included in the combined statement or separated to the "Billing Statement". 0 = Use VCI176 for loandrafts. Exclude from VCI = Include loandrafts in consumer loan format in the combined statement (VCI740) (VCI001, VCI740, VCUEND, OL2020 & OLFM20) Page 247 of 279

248 Role Permission Once the IPB options are turned on, the credit union needs set up the statement options. First the role permission must be selected to grant permission to maintain the Statement Options of the user(s) that will maintain these options. This procedure assumes you are starting from i-power s Main Navigation screen. 1) To maintain a role, click on Manager on the menu bar and select Institution/User Access Management/Roles from the drop-down list. 2) Click on the Edit icon of the role you wish to maintain. 3) Click on the Edit icon of the Institution role category. 4) Click on the Modify button. Check the box for Statement Options found under the Miscellaneous section to allow user security rights and de-select it to turn it off. 5) Once all modifications are made, click on the Save button. 6) Click on the Done button to return to the Main Navigation screen. NOTE: Once a role is updated, all users tied to this role will need to log of and back on in order for the permission to take effect. Page 248 of 279

249 Setting the Statement Options This procedure assumes you are starting from i-power s Main Navigation screen. 1) To setup the statement options, click on Manager on the menu bar and select Statement Options from the drop-down list. Cycling Options The Statement Options screen displays: 2) The Cycling Options are read only; these are the IPB options deposit support sets up. Page 249 of 279

250 Weekend/Holiday Statement Options 3) Click on the radio button of the respective weekend/holiday statement option. 1- Drop Statements closest to Weekend/Holiday date. If the date for the next statement is set to June 16 th, (Saturday Non-processing Day) the statement would be produced on June 15 th which is the closest business date to the original Date. If the date for the next statement is set to June 17 th, (Sunday Non-processing Day) the statement would be produced on June 18 th which is the closest business date to the original Date. NOTE: This option is beneficial for three-day weekends. Rather than have a statement produced three whole days either before or after the original date, your statements will be produced either the day before or after the original date. 2 - Drop Statements BEFORE Weekend/Holiday. If the date for the next statement is set to June 16 th, (Saturday Non-processing Day) the statement would be produced on June 15 th which is the closest business date before the original Date. If the date for the next statement is set to June 17 th, (Sunday Non-processing Day) the statement would be produced on June 15 th which again is the closest business date before the original Date. 3 - Drop Statements AFTER Weekend/Holiday. If the date for the next statement is set to June 16 th, (Saturday Non-processing Day) the statement would be produced on June 18 th which is the closest business date after the original Date. If the date for the next statement is set to June 17 th, (Sunday Non-processing Day) the statement would be produced on June 18 th which again is the closest business date after the original Date. Page 250 of 279

251 Basic rules about the cycle date falling on a non-processing day If EOM (end of month) falls over a non-processing day, the EOM (end of month) cycle (31 st ) will drop on the last processing day of the month. For example if your cycle date is set for EOM (end of month) in June but June 30 th falls on a Saturday, then your statement will be created on June 29 th. If FOM (first of month) falls over a non-processing day, the FOM (first of month) cycle (1 st ) will drop on the first processing day of the month. For example if your cycle date is set for 1 in June but June 1 st falls on a Saturday, then your statement will be created on June 3 rd. Once you have determined your Weekend / Holiday Options select the days you wish to cycle. The number selection corresponds with the day of the month. Your options are 1 30 and EOM (end of month). For example, if you select 5 and this number is assigned to a member then statements for that member will be produced on the 5 th of every month. The EOM (end of month) option will always be available for Draft Dates. You will not be able to delete this date. If the EOM (end of month) option is selected for a Member, the statement will drop on the last day of the month. Based on the current month and year that day might be the 28 th, 29 th, 30 th or 31 st. NOTE: You cannot delete the EOM (end of month) option because this is the default date for all share account statements as well as statements without a draft account. For Loan Drafts you can delete the EOM (end of month) option, but if you drop separate statements for Loan Drafts you will be required to have at least one day set up in this area. For both sets of draft days (share drafts and loan drafts), you may set up as many days as you like. NOTE: You may not see or be able to edit the days of the month based on your IPB settings for Cycling and separate Loan Draft Statements. You will only be able to select the Draft days if you are set to cycle drafts. You will only be able to select the Loan Draft days if you are set to drop separate statements for Loan Drafts. You will only be able to modify your Weekend / Holiday Options if you are either cycling or producing separate statements for your Loan Drafts. NOTE: The installation conversion utility will set up your cycle dates for you. It is important to contact ODI Deposit Support eplodideposits@epl.net before making changes to this screen. Page 251 of 279

252 Draft Cycle Dates and Loan Draft Cycle Dates 4) Click on the Cycle Dates drop-down list and select the day of the month the credit union wants draft and/or loan draft statements to drop. 5) Repeat this process to add all respective draft cycle dates. 6) Click on the Save button. NOTE: All your changes will be captured in File Maintenance History. To view file maintenance history, click on the History tab. Page 252 of 279

253 The Maintenance History screen displays: All new accounts with a draft suffix will be assigned cycle dates based on the dates just established. This is also true for loan drafts. NOTE: You will have to go though the installation process to update your existing accounts. Page 253 of 279

254 New Fields Share Account Cycling is applicable for the entire account; the new fields for cycling were added to the share account. These new fields are located on the General Share Information/Page 1 screen: Draft Cycle Date and Loan Draft Cycle Date. When creating a new share account the system will set up the share with a default EOM (end of month) option as the Draft Cycle Date. There is no default for Loan Draft Cycle Date. This field will display the value N/A. NOTE: The Share Draft Cycle Date field in enabled and can be file maintained once a share draft suffix is established. Otherwise this field is disabled and defaulted to EOM. The Loan Draft Cycle Date field is enabled once the account has an open loan draft and the credit union has opted to produce separate statements based on the credit union s IPB Statement Option. Page 254 of 279

255 Draft Account When an share account does not have a draft suffix, the default cycle date is always EOM (end of month), however, when a new draft account is opened, the Statement Cycle Date field is automatically defaulted with the first draft cycle date setup within the Manage/Institution/Statement Options menu. The Next Statement Date is automatically calculated based on the statement cycle date. Once the new share draft account is established, you may file maintain the Share Draft Cycle Date field located on the General Share Information/Page 1 screen to a different date per your credit union s policies & procedures and business practices. In this example, the draft cycle dates set in the Statement Options parameters are 03, 05, 15, 20, 28, 29 and EOM; therefore the default Statement Cycle Date field on the New Draft screen is 03. The Statement Options screen displays: Page 255 of 279

256 The New Draft screen displays: The General Share Information/Page 1 screen displays: Page 256 of 279

257 The General Draft Information/Page 1 screen displays: The Statement Cycle Date and the calculated Next Statement Date fields are displayed under the Data section. NOTE: Any subsequent suffixes added to the share account, including other draft accounts, will automatically populate with the cycle date set at the share level. Once the cycle date has been set for an account it will remain unchanged except though file maintenance or closing of the last draft on the account. If the last draft it closed, the system will auto adjust the account back to the EOM (end of month) date for the Draft Cycle Date field. Page 257 of 279

258 Loan Draft Account When your institution is set to drop separate loan draft statements, the next Loan Draft Date is set when opening up the first loan draft account via the new loan workflow. The Loan Draft Date will be assigned with the next calendar date greater than the open date. For example if your Credit Union selects to drop separate loan drafts and only sets up one date, the 15 th, then the date assigned upon the first Loan Draft Creation will be 15 with the next calculated drop date being the next 15 th after the open date. An account opened on July 16 th, 2007 would be set with 15 as the Loan Draft Cycle Date and August 15 th, 2007 as the Next Statement Date. As in drafts, the subsequent loan drafts opened will not update the loan draft date value on the account. This will only occur with the first opened loan draft for an account. NOTE: If you wish to modify this date, it is file maintained on the Share General Information/Page 1 screen. The Loan Draft Inquiry screen displays: Page 258 of 279

259 Deleted Fields Share Draft Product Class The three fields relating to statement cycling have been removed from the Share Draft Product Class Information/Share Draft screen: Statement Assignment Code Standard Statement Cycle Code Statement Assignment Digit No longer appears on screen Page 259 of 279