Sample Check Account Activity (3)

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ICKDTL-03

Member Sampling

122

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Access this screen by selecting a member and then "Select" on the second Member Sampling screen.

This tool compiles transaction history for members that had checking account activity for the previous month.

Member Information Tab

The Member Information tab contains basic statistics from this member’s records. The Income/Expense tab (see below) shows some calculations using your credit union-defined cost/weight factors and the member’s transaction history.

Field Name

Description

Product code

The Dividend Application for this checking account.

Daily average

The average daily balance taken from the MEMBER2 file for this checking account.

Dividends

A total of the amount of all dividend payment transactions on this checking account during the previous month. Includes transactions with Origin Code 98 or 99, Tran Code 32, and Tran Type 8 or 9.

Online banking

This will be checked if this member shows a date in the Date member accepted the PC indemnification field (PCINDM) in the MASTER record.

Bill pay

This will be checked if this account is actively enrolled in bill payment (looks at file BPMAST for an “E” in the EPSTAT enrollment status field).

Debit card

This will be checked if this account has DEBT-type record in the Plastics file.

Club

This will be checked if the member is enrolled in a Marketing Club (may or may not be active).

Age

For individuals, this is the member’s age. For organizations, this is measured from the Charter Date, so it represents the age of the organization, not a person.

Tier

This member’s last Tiered Service Level score.

Risk score

The credit score from the most recent credit report on file for this member. (Notice the date shown when the score was pulled.)

Paper grade

The paper grade from the most recent credit report on file for this member (as of the date shown next to the Risk score).

Savings balance

The aggregate of balances from MEMBER1, 3 and 4 (excludes checking balances). Remember this balance is a snapshot from the previous month.

Checking balance

The aggregate of balances from MEMBER2. Remember this balance is a snapshot from the previous month.

Products

The Products Per Member count calculated for this member the last time Tiered Service Scoring was done. This count is configured from Tiered Service Level Config

Services

The Services Per Member count calculated for this member the last time Tiered Service Scoring was done. This count is configured from Tiered Service Level Config.

Member branch

The branch/location number assigned to this member in the MASTER membership record.

Activity branch

The activity branch calculated for this member as of last month’s activity. This is a calculated based on your credit union’s Activity Branch configuration.

Closest branch - From home / work

If your credit union has elected to have your member files run through the demographics and density programs to determine where your members live and work relative to credit union locations, this will show which branch number is closest to the member’s home address (from the MASTER record) and work address (from the Household database Current Employment fields). If this optional service has not been done, these fields will be blank. This is configured from Member Demographics.

 

Income/Expense Tab

Field Name

Description

Total income

A total of various fees posted to member accounts from transaction history files for the previous month. See the breakdown by fee type just below the shaded area on the left side of this screen (described below).

Total costs

A total of your credit union’s configured cost/weight factors applied to all transactions from Origin 01 (teller), 02 (share drafts), 11 (ACH), 13 (ATM), 15 (phone), 16 (debit), and 96 (ARU/home banking) for this member for the previous month. See the breakdown by fee type on the right side of this screen.

These cost/weight factors are configured on Config Delivery Channels/Costs

  • Effective with the CheckFree upgrade on September 30, 2006, bill pay transactions will now appear as normal ACH and share draft items, and will no longer use a separate origin code.

Period profit/loss

Total income minus total costs.

Type / Service Income

This section shows a breakdown of the Total income figure above.

Checking

Origin 02, Tran Code 33, Tran Type 47 or 67

Overdraft

Origin 02, 11 or 16, Tran Code 33, Tran Type 36, 38 or 46; minus reversals with Tran Code 34, Tran Type 82 and transaction description of “REV NSF FEE”

ATM

Origin 13, Tran Code 33, Tran Type 68; minus reversals with Tran Code 32, Tran Type 68

Other

Any origin, Tran Code 33, Tran Type 35, 47, or 67

Transaction type / # / Cost / %

This section shows a breakdown of the Total costs figure. Costs are calculated using your credit union’s configured cost/weight factors (see Page 60 and 62 for more details.) All data is taken from transaction history for the previous month; calculations include the following transactions:

Teller

Teller

Teller S/B

Teller S/B

Call assist

Call assist

ATM deposits

ATM deposits

ATM withdrawals

ATM withdrawals

Audio/voice

Audio/voice

Home banking

Home banking

Checks

Checks

NSF charges

NSF charges

POS

POS

Bill payments

Bill payments

ACH deposits

ACH deposits

ACH withdraws

ACH withdraws

 

 

Link to ID: https://help.cubase.org/cubase/cubase.htm#ICKDTL-03.htm