Main Teller Posting Screen

Screen ID: 

Screen Title: 

Panel Number:

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TSBMTB-04

(Depends of the Type of Membership)

3104


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Main Teller Posting Activities

This is the Main Teller Posting) screen which is used to post deposits and withdrawals to a members account.  It includes both funds in and member transactions on one screen. This screen enables you to post multiple withdrawals and deposits simultaneously. Whenever you use Enter, the system retrieves the Member Funds Received amount, adds the withdrawals and subtracts the deposits, and displays the difference as Cash Back.

This screen appears after the Verify Member screen in the teller posting process.

Check out the video related to this topic: Main Teller Posting Screen (More videos below!)

Helpful Resources

Recognizing a Fraudulent Check

Learn how to perform teller transactions, including determining cash back.

Non-Member Teller Posting

If you see asterisks on this screen, it may be due to the Currently Serving feature – learn more

Assisting Non-Members

NOTE: If you are performing services for non-members, this screen will appear slightly different. For complete information about activating and configuring non-member teller services, as well as how to qualify non-members for teller activity, refer to the Non-Member Teller Services booklet. (NOTE: A PDF version of this booklet will open.)

Assisting a Member Other Than the Primary Member (Currently Serving)

If you use the Currently Serving feature to assist a member other than the primary on the account, a yellow bar will appear above the sub account listing indicating that you are serving a member other than the primary member.  If this person is not a joint owner or co-borrower on the sub account certain fields will also show as asterisks in the withdrawal field. If you assist a non-owner using Currently Serving, then all of the fields will be masked.  Learn more about the Currently Serving feature.

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Using the Teller Posting Screen

  1. Start by entering the total amount of cash into the Cash field.

  2. If any outside checks are being cashed or deposited, click the images\lookupbutton_shg.gif button to display the Outside Checks screen. Refer to this topic for information about inputting outside checks.

  1. If any in-house checks (checks that are drawn on your own credit union against another member's account) are being cashed or deposited, click the images\lookupbutton_shg.gif button to display the In House checks screen.

    In-house checks are entered separately, and must include the check number, check amount, and checking account number on which the check is drawn. If an in-house check is NSF (non-sufficient funds), or if a stop payment order has been placed on it, the system will alert you. If necessary, CU*BASE will use normal Overdraft Protection and/or ANR (Courtesy Pay) processing if appropriate. (If multiple checks are coming from the same member's account, they will be cleared in the order in which they were entered, so if you wish to process large checks before small ones, enter them in that order on the screen.)

    Tips on Inhouse Checks

  2. If you wish to purchase a miscellaneous receipt with the cash/checks being cashed, use Miscellaneous Receipts (F8) now. Any funds not used for the Misc. Receipt will be given as cash back. (If you want to deposit funds and purchase a Misc. Receipt, use the “R” Proc. Code instead.)

If the cash back is to be carried over to another member's base account, use Enter to verify the data, then Bal Fwd/New Mbr (F9). This posts the current transactions and carries the cash back sum to the next transaction for a different member.  (If you need to post a second, separate transaction for this same member, use Bal Fwd/This Mbr (F11) instead. If there is cash back, it will be brought forward as funds in for the next transaction.)

If you wish to skip the normal receipt for this transaction, check the Suppress receipt option before using Post (F5). If you want to print a receipt as usual but keep the member's account balances from printing on the receipt, check the Suppress balances on receipt option before posting.

Using the images\calculatecashback_shg.gif or using Enter on this screen simply updates the running totals (outside checks, in-house drafts, and total funds in). It does not post your transaction or advance you to the next screen.

When finished use Enter to verify the data, then use Post (F5).

Calculating “Cash Back”

Is your member depositing money (i.e. checks) and only want a specific dollar amount as cash back? Use the images\depositcalc_shg.gif button to calculate the amount you need to deposit – instead of using a calculator! Simply click the button to reveal a screen. Enter the desired cash bar and click the calculator button. Then right click on the deposit field where the member wants to deposit the funds, and select “Paste to Deposit.” The correct will be entered in this field.

Loan Delinquency Info and the “Payment Catch Up Calculator”

Notice the blue buttons that appear to the right of loan account suffixes.

On a regular loan or LOC account, this button will display the Delinquency info window. On a credit card loan, you can also access the new Payment Catch Up Calculator screen to help a member figure out what payment needs to be made to catch up a delinquent credit card account.

Note on entering Miscellaneous Receipts

View a Graphic or Text in the Lower Right Hand Corner? Next Suggested Product

If a task assigned to the member is designated as a “Next Suggested Product” task, this screen may have text or a graphic in the lower left corner of this screen.  If you place your mouse over this area, your mouse will change into a hand, indicating that you should click on this section of the screen.  Once you click this area, you will be taken to the Cross Sales Task screen where you will view only the that task.

Next Suggested Product is part of the Cross Sales feature and allows credit unions to alert employees that the member they are assisting is pre-qualified for a promotion offered by the credit union. For more information, refer to the booklet Cross Selling Credit Union Services and Next Suggested Product.

To remove the graphic so that you can post a transaction, click the X in this area.  This will display the posting fields.

Procedures for Membership Designation

Click the at the top of the screen to read your credit union's configured procedure tips for handling a membership of this kind.

Members with Long Last Names

If you see the member's last name highlighted in yellow, a long last name is on file to view. Select the spyglass images\magnifyingglasslookup_shg.gif to view a popup window with the member's full last name.

Account Nicknames

Members can request special names be assigned to their individual sub-accounts. Called “Account Nicknames,” these descriptions are assigned using the Update Account Nicknames feature, and can be viewed using the Toggle Nicknames button above the Description column (F21). Click for more information on this feature.

HINT: Did you know you can make nicknames display as the default when you first view this inquiry screen? Contact a client service representative to activate nicknames as the default. (self-processors can make this change using Master CU Parameter Config on MNOP09.) This toggle key can then be used to see the standard description.

Making Payments to an Off Trial Balance (OTB) Account

(Available only when the member has an OTB account configured for payments via Miscellaneous Receipts.) Use OTB/Cards (F19)to access a screen listing the details of the member’s OTB accounts that are configured for payments via Miscellaneous Receipts, such as the payment amount. Then use Miscellaneous Receipts feature to make a payment to an OTB account. SEE ALSO: Tracking “Off Trial Balance” (OTB) Products with CU*BASE.

Posting a Transaction at the Teller Line that Causes an Automated Non-Return Fee to be Charged

You can configure your Overdraft/ANR settings so that you can post a withdrawal, either with cash, check or money order, into the account's negative balance (ANR) limit.  Learn more in the Automated Non-Return (ANR) processing topic and in the Automated Non-Returns booklet.  A confirmation window will appear for each fee that will be charged. (Fees are charged per sub account that dips into the ANR limit and also per check/money order that dips into the ANR limit.)

Field Descriptions

These fields appear at the top and the bottom of the screen.

Click the Tiered Service badge to view the a breakdown of the Tiered Points earned by the member on the Tiered Points screen.

Field Name

Description

Cash

Used to enter the total amount of cash tendered, including all bills and change.

Outside checks

Click the images\lookupbutton_shg.gif button next to Outside Checks to record all incoming checks drawn on other banks or credit unions (except for checks drawn on your own credit union that you are clearing through the Inhouse checks feature). You will move to the Outside Checks screen.

Inhouse checks

Click the images\lookupbutton_shg.gif button next to Inhouse checks to record all incoming checks drawn on your own credit union member accounts. You will move to the In house checks screen.

  • When the transaction is posted, funds are immediately withdrawn from the member account which issued the inhouse draft.

  • Tips on entering Inhouse checks

# items

This information appears only when fees apply for deposited items (according to your credit union policy and according to the dividend application) and when checks have been entered in the Outside Checks screen. It is a count of the checks deposited on the Outside checks screen. The quantity entered here is used in calculating any monthly fees charged by your credit union for depositing checks. This field can be made input capable by using F13-Unlock # Items. (If you return to the Outside Checks field, these changes will be removed and will need to be readded upon re-entry to the Main Teller Posting screen.)

SEE ALSO: Configuring Deposit Item Fees

Total Funds in

A grand total of all cash, outside checks, and inhouse checks. Use Enter to refresh this total at any time.

Outside Checks/Days

Use this field to enter one or the combination of more than one checks without leaving this Teller Posting screen.

  • If one amount is entered for more than one check you will not be able to search your audit records by individual check amount.

Type

Enter the sub account that will be used to hold the check amount entered in the previous field.

Suppress receipt

Use this option if you do not wish to print the normal receipt for this transaction. The change will affect this transaction only.

Use this when posting a transaction received in the mail, or for any other situation where a receipt is not desired.

If you do this by mistake and the member does want a receipt after all, access the transaction history for this account and use the “Print receipt” feature to reprint that receipt.

  • CU*BASE still uses your workstation configuration to determine whether a receipt should be produced at all. If you are working at a workstation that never produces receipts anyway, ignore this option.

Suppress balances on receipt

Check this option if you want a receipt to print as usual, but do not want the member's account balances to be printed. The change will affect this transaction only.

This is helpful when someone else is performing a deposit on the member's behalf, and you do not want this individual to be able to see account balance information for the other member. NOTE: If you are using the currently serving feature to assist a non-owner, you will need to check this box if you do not want balance information to appear on the receipt.

  • CU*BASE still uses your workstation configuration to determine whether a receipt should be produced at all. If you are working at a workstation that never produces receipts anyway, ignore this option.

Total funds in

The total amount of cash and checks.

Check cashing/ negotiation fee

If your credit union has activated check cashing fees. This field will show the calculated check “negotiation” fee to be charged to the member for this transaction. If turned off, the fee will wave when deposits are entered or the M/R option is taken. This amount is automatically charged and the fee amount is subtracted from the Total Funds In amount.

Net total of transactions

This is a running total including all of the deposits and withdrawals indicated on this screen, less the check cashing/negotiation fee (if any). As you use Enter, this total is updated.

Cash back to member

This total takes the Total Funds In and subtracts the Check Cashing/Negotiation Fee (if any) and the Net Total of Transactions to show the amount of cash owed back to the member. This amount can also be carried forward to a different membership account using Balance Forward (F9).

Columns

Column Name

Description

Loan Payoff or Current Balance

For loans, this shows the current payoff amount. For share and certificate accounts, this field shows the current balance of the account. If this information is shown in asterisks, it is because the person you are currently assisting is not associated with this account. See Also: Currently Serving.

Loan Payment or Net Available

For loans, this shows the periodic payment for the loan.

  • If a loan is delinquent, this field shows the amount needed to bring the loan current.

For other types of accounts, this field shows the amount currently available for release.

  • Available balance = Current balance minus uncollected funds (such as check holds and debit/credit authorizations, etc.), secured funds, and par value.

  • This amount may be larger than what’s shown in the Current Balance, if your credit union offers members the ability to dip into their Negative Balance Limit (referred to as ANR or Courtesy Pay) for a fee.  In that case the available funds includes the members’ negative balance limit minus your configured non-return fee. (When posting, a warning message will appear noting the fee amount that may apply to that transaction.)  See the Automated Non-Returns booklet for more details on offering ANR via Teller Processing.

Description

Shows the description of the account.  If a nickname is assigned to this account, it will show in this column if Show Nicknames (F22) is clicked. (Nicknames must first be activated by the credit union.)  

Type

The account number suffix.

Deposit (Deposit Amount and IRA)

These two fields, Deposit Amount and IRA, are used to designate the deposit or loan payment amount for each of the listed accounts. (Some account types, such as certificates, may not allow deposits using these fields.) For IRA or HSA accounts, you are required to enter the appropriate IRA Deposit Code. Use the lookup to find the appropriate code.

  • NOTE: If making a deposit (payment) on a loan account, you may see a warning message if the loan is already set up to be paid via an Automated Transfer, or if making a payment that is different from the normal amount (this is controlled at the loan category level).

5032-WARNING Pmt scheduled via Auto Funds Transfer.  Use ENTER to continue.

5033-WARNING Paymt different from expected amount.  Use ENTER to continue.

These messages are designed to alert the teller of a possible double payment or incorrect data entry. If the payment is correct, the warnings can be bypassed and the transaction posted as needed.

Deposit Amount

Enter the deposit amount without the decimal point but include the two decimal digits. For example, a deposit in the amount of $25.50 would be entered as 2550.

IRA/HSA

For deposits to IRA or HSA accounts, use the lookup to find the appropriate IRA or HSA processing codes.

Withdrawals (Withdrawal Amount and IRA)

These two fields (Deposit Amount and IRA) are used to enter the amount of funds being withdrawn (either cash withdrawal or transfer) from a particular account type. If no funds are available for withdrawal, the fields listed below will not appear.

  • For certificate accounts, the Withdrawals fields are available for withdrawing undistributed dividends only, not for certificate redemption. (Credit union policy may dictate whether dividends can be withdrawn here or not.)

  • For line-of-credit loans, an amount field may be available for disbursements, if allowed in the loan category configuration. If it is past the Review date on the loan account, however, this field will not be displayed.

Withdrawal Amount

Enter the amount without the decimal point but include the two decimal digits. For example, a withdrawal in the amount of $25.50 would be entered as 2550. If this field is absent, one reason might mean that the joint owner or co-borrower you are assisting is not associated with this account. See Also: Currently Serving.

IRA/HSA

For withdrawals from IRA or HSA accounts, use the lookup to select the appropriate IRA or HSA lookup codes.

Proc Code

This Processing Code allows you to perform various procedures, such as transfers, miscellaneous receipts, loan payments to principal only, or to issue checks against the member's account. Click the lookup button images\magnifyingglasslookup_shg.gif to move to a screen for a list of available Proc Codes for this sub account.

Click for a list of all valid Processing Codes.

JO

This column will show a green button images\green_dot_shg.gif next to any account on which there is a joint owner, beneficiary, or additional signer record. Click the button to display the Joint Owner/Beneficiary Inquiry or Additional Signer Inquiry screen for that particular sub-account.

Buttons

Button

Description

Verify Member (F1)

Use this to return to the Verify screen to verify member identity, to view important member comments and also to access the buttons on the right hand side of the screen for activities such as Cross Sales.

Trans/Override (F2)

This can be used by a head teller or other authorized user when the desired transaction cannot be performed due to a hold on the account, either based on available funds or management policy.

Post (F5)

Use this to post all deposit and withdrawal information to the member's account.

·     When using the “R”, “C”, “M” Process Codes, the screen needed to complete the transaction will be displayed next.

·     If your workstation uses a TCD (Teller Cash Dispenser) or TCR (Teller Cash Recycler), one final screen will appear to allow you to specify denominations to be dispensed for this transaction.

TCR Deposit

(Viewed only when attached to a TCM.) Used only with TCMs.  Refer to the TCM booklet.

Misc Receipts (F8)

This will display the Miscellaneous Receipts screen.

·     IMPORTANT: DO NOT use this if you also need to make Corporate Drafts or Money Orders. In this case you will need to process two transactions.

·     This function key can be used to post payments to OTB accounts configured for Miscellaneous Receipt payments. SEE ALSO: Tracking “Off Trial Balance” (OTB) Products with CU*BASE.

You can also use Process Code “R” to access the miscellaneous receipts screen after entering all other transaction information. Click for details on using this code.

Bal Fwd/New Mbr (F9)

Use this instead of Post (F5) to take any money shown in the Cash back field and forward it to perform a transaction on a different member’s account.

Bal Fwd/This Mbr (F11)

Use this instead of  Post (F5) when you want to post the current transaction and then return immediately to this screen perform another, separate transaction on this same member’s account. If there is any money in the Cash back field, it will be carried forward to the next transaction (although you can use this key even if there is no cash back, such as if you want to post two different transfers where no cash or incoming checks are involved).

Here are two examples of when you might use this option

  •  You would like to make multiple transfers using the Proc Code T (so that the transfers appear as transfers in transaction history)

  • A member wants to deposit three checks but want separate receipts for each check into the same account

Unlock # items (F13)

This is used to change the # items field, which counts the Outside checks entered. (Refer to the field definition above for more details.) This function key appears only when fees apply for deposited items (according to your credit union policy and according to the dividend application)

Sales Tools (F15)

Use this to display the Sales Tools pop-up window for access to various CU*BASE sales and marketing tools.

In-House Checks (F16)

Use this to advance to the screen where you enter in house checks.

Outside Checks (F17)

Use this to advance to the screen where you enter outside checks.

Phone Operator (F18)

Use this to access the Phone Operator screen directly from the Main Teller Posting screen (after first viewing the member’s Comments screen). Once you exit Phone Operator, you will return to this Main Teller Posting screen.

OTB/Card (F19)

(Visible only when the member has an OTB account configured for payments via Miscellaneous Receipts.) Use this to access a screen listing the details of the member’s OTB accounts that are configured for payments via Miscellaneous Receipts, such as the payment amount. SEE ALSO: Tracking “Off Trial Balance” (OTB) Products with CU*BASE.

Show Nicknames (F21)

Use this to toggle the Description column to display the nickname of the account if one is assigned. (Nicknames must first be activated by the credit union.  (See above for more details on activation.)

Show Card # (F22)

 

Use this to toggle the Description column to display the last few digits of the credit card number (for CU*BASE online credit card loan accounts only).

HINT: Did you know you can make the card # display as the default when you first view this inquiry screen? Contact a Client Service Rep. to activate this as the default. (self-processors can make this change using Master CU Parameter Config on MNOP09.) This toggle feature can then be used to see the standard description.

SEE ALSO: Online Credit Card Processing User Guide

Additional Video Resources

View more teller processing videos.

Visit the Show Me the Steps video library to view more videos!

 

Link to ID: https://help.cubase.org/cubase/cubase.htm#TSBMTB-04.htm