ANR/Negative Balance Notices Configuration

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UANRNO-01

Auto Non-Returns Notices Definition

1647

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Access this screen by selecting Tool #133: ANR/Negative Balance Notice Config.

This screen lets you define when notices should be generated for members whose checking accounts have gone negative as part of your Automated Courtesy Pay program.  You can also choose whether or not you wish to generate a Member Account Comment that will notify tellers and other staff with special instructions for these accounts.   

Joint owners of these accounts will receive a notice when the account is delinquent to a selected delinquency level.  This is to assist with joint owners who may not live at the same address as the owner of the account.  Use the Delinquency notice level for joint owner to set this level.  Select delinquency level 1-4.  This field defaults to 0.

After entering all settings (see “Field Descriptions” below for instructions) use Enter to save and return to the Home Page.

Important Considerations 

Field Descriptions

Field Name

Description

Preset Levels

Activate After

Months or Days

When a checking account has been negative for the specified number of months or days, the system will automatically generate the notice event that corresponds with the level. 

Remember to take into account the time to print and mail notices (see above).

The system uses Notice Events ANR1, ANR2, ANR3 and ANR4 for negative balance notices corresponding to these levels.  These must be tied to one of your notice forms in order to actually print.

The purpose of the preset levels is so that a different notice can be generated depending on how long the member has been negative. Wording can become increasingly stronger and more insistent, with appropriate instructions included.

Preset levels must be defined in order. For example, the Activate after amount for level 1 cannot be set to a higher number than level 2.

Produce negative balance comment after

This feature is used to generate a Member Comment alerting credit union staff about a negative balance situation.  This comment would appear in the pop-up comments window used by Teller Posting, Inquiry and Phone Inquiry.

Enter the number of days or months, or leave the field blank if you do not wish to produce a comment. If you do enter a time period, use the Comment text field to configure the text that will be used.

  • Remember, for this comment to have any value, tellers and other member service personnel must be instructed on how to respond should the comment appear.

Delinquency notice level for joint owner

Joint owners of these accounts will receive a notice when the account is delinquent to the delinquency level selected in this field.  This is to assist with joint owners who may not live at the same address as the owner of the account.  Select 1-4.  This defaults to 0.

Comment text

Use this field to define the text that will appear in the Member Account Comments pop-up window when a checking account goes negative. 

 

Link to ID: https://help.cubase.org/cubase/cubase.htm#UANRNO-01.htm