Configuring "Member In Good Standing" Settings

Screen ID:

Screen Title:

Panel Number:

UMGSCF-01

Member in Good Standing Configuration

2463

Click here to magnify

Access this screen by selecting Tool #499: Member in Good Standing Configuration.

Helpful Resources

Visit Show Me the Steps for easy instructions on how to reduce or waive a hold for members in good standing.

Use “Just Turn it On” and have CU*Answers Management Services drive the implementation of this feature from start to finish. We’ll even do the work to get your Board, your management team, and your staff on board and ready to take over once the switch has been flipped. Learn more in the Just Turn it On Brochure.

Member in Good Standing

The “Member In Good Standing” system lets your credit union define parameters that evaluate a member's status and assign an Electronic Deposit Hold Group code accordingly based on the credit union’s criteria, such as Tiered Service level, Marketing Club enrollment, or other general criteria (age, length of membership, aggregate balances). This system provides a way to automate the Electronic Deposit Holds system and assign hold parameters to individual members based on their participation and activities at the credit union. Member in Good Standing itself has nothing to do with holds; it’s the Electronic Deposit Hold Group which controls the hold parameters for specific members.

For complete information about using Member in Good Standing monitoring, as well as setting up the appropriate Electronic Deposit Hold codes required for this screen, refer to the booklet, Automated Deposit Hold: Understanding Check Holds, Electronic, and Member in Good Standing.

NOTE: Electronic Deposit holds always follow the rules of the Teller credit union. If a member visits a shared branch location, this member may receive additional hold days than if the member visited his or her own credit union.

Using this Screen

This screen is used to activate Member In Good Standing monitoring and configure the parameters that control how deposit holds are assigned to members when they make an electronic deposit (or a teller check deposit if configured).

TIP: There are several fields that require an Electronic Deposit Hold Group code to be entered. To configure these codes and parameters, use “Electronic Hold Config” (F11). It is helpful to set up all hold groups before finishing the entire Member In Good Standing configuration.

Setting Hold Groups Hierarchy

Refer to the discussion below for how the fields are used to set the members Member In Good Standing status.

Monthly Criteria

The following fields are evaluated monthly and are used when basic parameters is selected at the top of the screen only. Once this is completed, the system assigns a code based on the “If minimums are met” and “if minimums are not met” fields. These fields are evaluated one at a time; if the minimum age is not met, then the system evaluates on minimum length of membership, and then finally aggregate balances.

minimum age
minimum length of membership
aggregate savings, loan, or combined saving/loan fields

NOTE: The aggregates in the third bullet point above are “or” conditions, meaning that if one is met, this meets the criteria.

Daily Criteria

The following fields are evaluated daily on the first of day of the month. These override the monthly basic parameter evaluations. They are also used when evaluating against marketing clubs and tiered services. (See following section.)

Delinquent accounts
Negative balances
NSF occurrences

If any of these daily evaluations are met on the first day of the month, this code is assigned.

Tiered Service Levels Rewards

If your Member In Good Standing parameters have been set to use the Tiered Services method for determining a member’s Electronic Deposit Hold Group, you must also configure the Tiered Service rewards system to designate which Hold Group code should be used for each Tiered Service Level. On the second screen of the Tiered Services Instant Benefits configuration, enter the Electronic Deposit Hold Group code to be used for each level. Learn more below and in the Automated Deposit Holds booklet.

Marketing Club Fee Waivers & Benefits

If your Member In Good Standing parameters have been set to use Marketing Club status for determining a member’s Electronic Deposit Hold parameters, you must also configure the Marketing Club benefits to assign the appropriate hold group on this screen. Learn more below and in the Automated Deposit Holds booklet.

Field Descriptions

Field	Description
Activate member in good standing	Place a checkmark in this field if you wish to use the Member In Good Standing system to assign electronic deposit holds for your ATM transactions. Checking this will also activate using Electronic Check Holds if they are configured on the Electronic Hold group configuration.
based on	Choose one of the following to specify where the system should look to determine which Electronic Deposit Hold Group code should be assigned to a member: NOTE: See above for more discussion on the hierarchy of placing the deposit hold group on the membership above. Tiered Services – Look at the member’s Tiered Service level to set the Deposit Hold Group code. One additional field will appear (Use household points); see below for instructions. See the Automated Deposit Hold: Understanding Check Holds, Electronic, and Member in Good Standing for a sample e of the Tiered Service configuration parameters needed to use this method. Marketing Clubs – Look for a member’s Marketing Club status to set the Deposit Hold Group code. See the Automated Deposit Hold: Understanding Check Holds, Electronic, and Member in Good Standing for a sample of the Marketing Club configuration parameters necessary to use this method. Basic Parameters - Use the Age Levels, Aggregate Savings/Loans and Aggregate Savings/Loans, and Length of Membership ranges configured here to determine the member’s Deposit Hold Group code. See more detail above.
Use household points	(Appears only when Tiered Services is selected at the top of the screen.) Use this to indicate which points should be used to determine the member’s standing: the actual (raw) points earned by the member, or the points assigned to the member using the highest point value in the member’s household (for credit unions that use the Household scoring method for Tiered Services).
Club IDs	(Appears only when Marketing Clubs is selected at the top of the screen.) Use these fields to enter up to five Marketing Club IDs. The system will check for a member’s active status in one of these Clubs to determine which Deposit Hold Group should be assigned. Members not enrolled in the designated Club(s) will remain assigned to the default hold group 01.
Basic Parameters This section appears only when Basic Parameters is selected at the top of the screen. Use these fields to enter the parameters to be used when determining a member’s Deposit Hold Group.
Minimum age	If you wish to control the member’s Deposit Hold Group based on age, enter the minimum age here. The age is calculated for Individual (MI) not organization (MO) types.
Minimum length of membership	If you wish to control the member’s Deposit Hold Group based on the how long the membership has been open, enter the minimum length in months. For example, if a membership must be open for at least 3 months before moving to a higher hold group level, enter 3 here.
Minimum aggregate savings balance	This is an "or" condition with the following two fields (minimum aggregate loan balance and minimum aggregate combined savings and loan balance). The member will qualify for member in good standing if they meet any of the requirements configured. If you wish to control the member’s Deposit Hold Group based on the amount of money currently on deposit in all share, share draft and certificate accounts (including IRA accounts, enter the minimum aggregate amount here. If you leave this field blank or enter a zero in this field, this value will not be checked.
Minimum aggregate loan balance	This is an "or" condition with the previous and next fields (minimum aggregate savings balance and minimum aggregate combined savings and loan balance). The member will qualify for member in good standing if they meet any of the requirements configured. If you wish to control the member’s Deposit Hold Group based on the balance of current loan accounts, enter the minimum aggregate amount here Loans that have a write off flag (WRTOFF) of greater that zero are not included. If you leave this field blank or enter a zero in this field, this value will not be checked.
Minimum aggregate combined savings and loan balance	This is an "or" condition with the previous fields (minimum aggregate savings balance and minimum aggregate loan balance). The member will qualify for member in good standing if they meet any of the requirements configured. If you wish to control the member’s Deposit Hold Group based on the balance of current savings and loan accounts, enter the minimum aggregate amount here Loans that have a write off flag (WRTOFF) of greater that zero are not included. If you leave this field blank or enter a zero in this field, this value will not be checked.
Deposit hold group code to assign If minimums above are met If minimums above are not met	Learn more about Deposit Hold Groups. If minimums above are met - enter the configured code for the Deposit Hold Group to be used if the member meets all of the minimums configured above. If minimums above are not met - enter the configured code for the Deposit Hold Group to be used if the member does not meet all of the minimums configured above.
Miscellaneous Settings The following fields are used regardless of which method is selected at the top of the screen (Tiered Services, Marketing Clubs, or Basic Parameters).
Assign deposit hold group for new memberships	Enter the Deposit Hold Group code to be used immediately for new members until they are evaluated against the Good Standing parameters (or Tiered Services/Marketing Clubs). NOTE: It is recommended that you make this group the same as the group for not meeting the minimum parameters above.
Deposit hold group for delinquent balance accounts	This option is designed as a way to “override” the Electronic Deposit Hold Group assigned by the Member In Good Standing system, in cases where the member’s account status no longer warrants the “good standing” status. Enter the Deposit Hold Group code to be assigned to a member when one of the member’s loans goes delinquent. IMPORTANT: Members are evaluated for this override on a daily basis when the system runs Collections monitoring. Since the Member in Good Standing system only assigns Hold Groups on a monthly basis, if a member has a delinquent loan on the 15th of the month, he/she will be assigned this new code on the 15th and that code will remain in place until the 1st of the following month, regardless of whether or not the loan stays delinquent.
Deposit hold group for negative balance accounts Ignore if within negative balance limit	This option is designed as a way to “override” the Electronic Deposit Hold Group assigned by the Member In Good Standing system, in cases where the member’s account status no longer warrants the “good standing” status. Enter the Deposit Hold Group code to be assigned to a member when one of the member’s loans goes delinquent. IMPORTANT: Members are evaluated for this override on a daily basis when the system runs Collections monitoring. Since the Member in Good Standing system only assigns Hold Groups on a monthly basis, if a member has a delinquent loan on the 15th of the month, he/she will be assigned this new code on the 15th and that code will remain in place until the 1st of the following month, regardless of whether or not the loan stays delinquent.
Deposit hold group for x for more NSF occurrences over last 6 months	Enter the number of occurances and Deposit Hold Group code to be used for memberships with frequent NSFs. In this manner you can place your more risky memberships into a group with longer holds.