Member

The number of calendar days from the date in the Date Joined field on the member's Contact Information tab that Portico will consider as the new account period. A new account period refers to a new member relationship with the credit union. The Funds Availability Act (Regulation CC) allows longer check holds on new accounts. It considers an account as new during the first 30 calendar days after the account is established. A check deposit to any of the new member's share accounts will be subjected to longer check holds listed in the New Member Holds group box on the Credit Union Profile - Teller tab. Valid values are 01 - 99 calendar days. The day specified is a 'through day', not a 'to day'. For example, if 30 is entered in this field and a new member is added to the system on April 1, then this member will be subjected to the longer check holds through April 30.

Length: 2 numeric

(Portico Host: 904 Transaction - NA PERIOD field)

The number of days that a member's direct deposit must be processed.

The Direct Deposit check box on the ACH tab is automatically selected when a deposit is processed on the member either through ACH or Payroll processing, or an ACH credit is posted on the ACH Exception Items window, and the deposit amount is equal to or greater than the amount specified in the Minimum Required Direct Deposit Amount field. If another direct deposit is not processed within the number of days specified in the Direct Deposit Period field, or if the deposit is less than the amount specified in the Minimum Required Direct Deposit Amount field, the system will clear the Direct Deposit check box on the ACH tab.

(Portico Host: 905 Transaction - DD DAYS field)

The number of days that alert messages for personal information changes will appear on the Member Information dialog box and Member Notifications and Alerts dialog box. The valid values are 001-999 days and the system default is 45 days. To update the System Alerts Period field, you must be a member of the Portico – Profiles – Administrator security group or a credit union-defined security group with the Portico – System – Credit Union Profile – Maintain security permission.

The minimum direct deposit amount required to automatically select the Direct Deposit check box on the ACH tab. System default is 0. Valid values are in whole dollars 0 to 99999.

The Direct Deposit check box on the ACH tab is automatically selected when a deposit is processed on the member either through ACH or Payroll processing, or an ACH credit is posted on the ACH Exception Items window, and the deposit amount is equal to or greater than the amount specified in the Minimum Required Direct Deposit Amount field. If another direct deposit is not processed within the number of days specified in the Direct Deposit Period field, or if the deposit is less than the amount specified in the Minimum Required Direct Deposit Amount field, the system will clear the Direct Deposit check box on the ACH tab.

(Portico Host: 905 Transaction - MINRQDD field)

If the NMO Default Lowest Share Type check box is selected, then the lowest share type available will appear in the Share Type field on the Products and Services tab in New Members and Services. You can leave the default option or select a different share type from the drop-down list. The NMO Default Lowest Share Type check box is automatically selected.

If the NMO Default Lowest Share Type check box is not selected, then the Share Type field will be blank on the Products and Services tab in New Members and Services. You must select a share type from the drop-down list. A system edit will appear if you do not select a share type.

To clear the check box, you must be a member of the Portico – Profiles – Administrator security group or a credit union-defined security group with the Portico – System – Credit Union Profile – Maintain security permission.

If selected, your staff can no longer enter a new joint owner in the Primary Joint Owner field on the Contact Information tab and the Share Joint Name field on Shares – Relationships tab will be read-only.

The method used to generate new member account numbers. This required field is maintained at the credit union level. The valid options are:

I - Member number is generated using a credit union-defined increment. The next member number generated is equal to the last member number assigned plus the value defined in the Increment field. System default.

R - Member number is generated using a credit union-defined range and increment. The credit union defines a range used by this method at a credit union (branch 000) level. The Beginning and Ending fields define the range. The Beginning field must be greater than zero but less than the Ending field. The valid range for member numbers is where the value of (Ending - Beginning) / Increment is greater than or equal to 1000. The system will reuse this range and assign unused member numbers when the end of the range is reached. The Ending field is normally set to 999999999999. If the Reassignment Restriction Period field is greater than 00, member numbers will not be re-used until that period has expired and a history purge has run.

B - Member number is generated using a credit union-defined range and increment. The credit union defines the ranges used by this method at a branch level. The range should be different for each branch where the members reside. For example, branch 000 (10000-20000), branch 001 (20001-30000), etc. Also, a range must be entered in branch 000. If a range is not entered in a branch where members reside, then the value from branch 000 is used. The Beginning and Ending fields define the range. The Beginning field must be greater than zero but less than the Ending field. The valid range for member numbers is where the value of (Ending - Beginning) / Increment is greater than or equal to 1000. Portico will reuse this range and assign unused member numbers when the end of the range is reached. If the Reassignment Restriction Period field is greater than 00, member numbers will not be re-used until that period has expired and a history purge has run.

Note: If you do not want to reuse and assign unused member account numbers within a range, then you must update the Beginning and Ending fields before the end of the range is reached.

(Portico Host: 906 Transaction - MTHD field)

If selected, the credit union supports family member account number structure. For example, if Member Dad has member number 258000, Member Mom will have member number 258001 and Member Son will have member number 258002. This field is used when the system assigns new member numbers. If the check box is selected, the Increment field must be 1000.

If the Family Account Numbers check box is selected and the Method field is R or B, the Beginning, Ending and Next fields must end in 000.

When attempting to change the Family Account Numbers check box, the system will check the value on the Family Account check box on the Self Service Processing Rules window. The following are valid values for these two fields:

(Portico Host: 906 Transaction - FMLY field)

The increment used to determine the next member account number to be issued by Portico. Valid values are 1 through 1000. The default is 1000.

When the Family Account Numbers check box is selected, the Increment field must be equal to 1000. When the Check Digit Calculation field is Y or S, the Increment field must be a multiple of 10.

When the Method field is R or B, the valid range of member numbers is where the value of:

(Ending - Beginning) /Increment is greater than or equal to 1000.

Length: 4 numeric

(Portico Host: 906 Transaction - INCREMENT field)

The beginning of the member number range when Portico issues a new member number. This field is only applicable and required, in branch 000, when the Method field is R or B. When the Method field is I, the Beginning field must be 0. When the Method field is B, the Beginning field must be maintained in each branch where members reside. If the Beginning and Ending fields are 0 (zero) in a branch where members reside, Portico will use the Beginning and Ending numbers listed in branch 000.

When the Method field is R or B, the Beginning field must be greater than zero but less than the Ending field. The valid range of member numbers is where the value of: (Ending - Beginning) /Increment is greater than or equal to 1000.

Note: When the Family Account Numbers check box is selected and the Method field is R or B, the Beginning, Ending and Next fields must end in 000. If the Check Digit Calculation field is Y and the Method field is R or B, the Beginning, Ending, and Next field must end in 0.

The Beginning field must be manually changed in every branch where it will be used. This is a branch-level field.

Length: 12 numeric

(Portico Host: 906 Transaction - BEGIN MBR field)

The end of the member number range when Portico issues a new member number. This field is only applicable and required, in branch 000, when the Method field is R or B. When the Method field is I, the Ending field must be 0. When the Method field is B, the Ending field must be maintained in each branch where members reside. If the Beginning and Ending fields are 0 (zero) in a branch where members reside, Portico will use the Beginning and Ending numbers listed in branch 000.

When the Method field is R or B, the Beginning field must be greater than zero but less than the Ending field. The valid range of member numbers is where the value of: (Ending - Beginning) /Increment is greater than or equal to 1000.

Note: When the Family Account Numbers check box is selected and the Method field is R or B, the Beginning, Ending and Next fields must end in 000. If the Check Digit Calculation field is Y and the Method field is R or B, the Beginning, Ending, and Next field must end in 0.

The Ending field must be manually changed in every branch where it will be used. This is a branch-level field.

Length: 12 numeric

(Portico Host: 906 Transaction - END MBR field)

The next member number that Portico will attempt to use when issuing a new member number. This field is only applicable, in branch 000, when the Method field is R or B. If no value is entered in the Next field at setup time, Portico will use the value entered in the Beginning field. When the Method field is I, the Next field must be 0. The Next field is automatically calculated and maintained by Portico. The field can be manually maintained by Portico Services if the credit union wants Portico to assign a different Next number than the one displayed.

When the Method field is B, the Next field must be maintained in each branch where members reside. If the Beginning and Ending fields are 0 (zero) in a branch where members reside, the Next field must also be 0 (zero). Portico will use the Beginning, Ending and Next numbers listed in branch 000.

Note: When the Family Account Numbers check box is selected and the Method field is R or B, the Beginning, Ending and Next fields must end in 000. If the Check Digit Calculation field is Y and the Method field is R or B, the Beginning, Ending, and Next field must end in 0.

The Next field must be manually changed in every branch where it will be used. This is a branch-level field.

(Portico Host: 906 Transaction - NEXT MBR field)

The number of months to keep a member number from being re-assigned in the system member number assignment process. If greater than zero, the value indicates the number of months to retain a member number and associated information. The system will not re-assign the member number until this period has been reached and a history purge runs.

For example, if 36 (months) is entered, and date is 01/31/2012, the member number 10000000 cannot be re-used (re-assigned via system numbering) until 02/01/2015 and a history purge runs.

When you set the reassignment period for the first time, the restriction period will begin following the next system history purge. For example, on August 15, the reassignment restriction period is changed from 00 to 36. Portico will begin tracking purged members after the history purge runs in mid-October. Member numbers that purge from the system will not be reused for the next 36 months. Member numbers that were purged from the system prior to setting the reassignment period will be reused.

The history purge runs on Sunday, but not on Sundays that are the 1st, 2nd or 3rd day of the month. Therefore, even though you can set the re-use months to zero, a member number won't be re-used until after at least one Sunday has passed (and occasionally two Sundays). There may be additional system reasons that will prevent a member from being re-used for an additional time period after the history purge occurs.

Length: 2 numeric

(Portico Host: 906 Transaction - PERIOD field)

Indicates if the check digit option processing is supported. A check digit will be calculated when a new member number is established. The valid options are:

N - Not supported. System default

Y - Supported. The Increment field must be a multiple of 10.

S - Special. Calculate member number check digit using the special MOD 10 calculation that excludes the credit union identification number in the calculation. This option has the advantage of allowing the new member number and a share draft ID to be the same value when the Check Digit check box is not selected on the Shares - Draft Info tab. The Family Account Numbers check box cannot be selected when the Check Digit Calculation field is S for the member number and share draft ID to be the same value.

When the Check Digit Calculation field is Y or S, and the Method field is R or B, the Beginning, Ending and Next fields must end in 0.

The method used to calculate the member check digit is based on the Family Account Numbers check box.

If the Family Account Numbers check box is selected, then the check digit is calculated using the following steps:

1. Place the credit union's identification number before the 12-digit member number forming a 17-digit number.
2. The 17th digit is changed to a zero for the check digit.
3. Digit 16 is moved to digit 15.
4. Digit 16 is changed to zero.
5. The check digit is calculated using a Chase Check Digit Mod 10 routine (2,1,2,1,2...) on the first 16 digits. Begin by multiplying the number in the leftmost position by 2, the next position by 1, etc. The sum of the product is then subtracted from the next highest factor of 10 to arrive at the check digit.

If the Family Account Numbers check box is not selected, then the check digit is calculated using the following steps:

1. Place the credit union's identification number before the 12-digit member number forming a 17-digit number.
2. The 17th digit is changed to a zero for the check digit.
3. The check digit is calculated using a Chase Check Digit Mod 10 routine (2,1,2,1,2...) on the first 16 digits. Begin by multiplying the number in the leftmost position by 2, the next position by 1, etc. The sum of the product is then subtracted from the next highest factor of 10 to arrive at the check digit.

If Check Digit Calculation field is S, the check digit is calculated using the following steps:

1. Add leading zeroes to the account number to form a 17-digit number with the last digit being zero.
2. Using the special Mod 10 routine (1,2,1,2,1...) on the first 16-digits, multiply the number in the leftmost position by 1, the next position by 2, etc. The sum of the product is then subtracted from the next highest factor of 10 to arrive at the check digit. This check digit calculation formula will match the check digit calculation on the Shares - Draft Info tab on an account number length up to eleven digits. For example, the check digit for account number 505 is calculated as 8 using the following formula:
   0 0 0 0 0 0 0 0 0 0 0 0 0 5 0 5 0
   1 2 1 2 1 2 1 2 1 2 1 2 1 2 1 2
   0 0 0 0 0 0 0 0 0 0 0 0 0 1 0 1 = 2
   10 - 2 = 8 check digit

Note: The member number check digit will match the check digit calculation from the Shares - Draft Info tab when the Ck Digit Constant field on the Credit Union Profile - Shares tab is zero, the member number does not exceed 11 digits, and the Family Account Numbers check box is not selected.

(Portico Host: 906 Transaction - CKDG field)

Indicates if the Placeholder Tax ID option is turned on for members, nonmembers, or both. Valid values are:

• N - Auto generate feature is not used (Default)
• M - Auto generate a Member placeholder Tax ID only
• R - Auto generate a Relationship placeholder Tax ID only
• B - Auto generate both Member and Non-Member Relationship placeholder Tax IDs

(Portico Host: 908 Transaction - GENERATE TAX ID field)

The beginning number of placeholder tax IDs that the system will assign. Valid range will be restricted to numbers beginning with 3 zeroes. 000-00-0001 to 000-99-9999.

Length: 9 numeric

(Portico Host: 908 Transaction - B field)

The ending number of placeholder tax IDs that the system will assign. Valid range will be restricted to numbers beginning with 3 zeroes. 000-00-0001 to 000-99-9999.

Length: 9 numeric

(Portico Host: 908 Transaction - E field)

The next placeholder tax ID number that the system will assign. The Next # can be any number between the beginning and ending numbers. For example, if your credit union wants to reserve the use of numbers 000-00-0001 through 000-00-1000 for a special conversion project, the Beginning # would be 000-00-0001, and the Next # would be 000-00-1001. The system will not assign any numbers between 000-00-0001 and 000-00-1000 when the feature is turned on.

Length: 9 numeric

(Portico Host: 908 Transaction - NEXT field)

If selected, the Statement Message field from the Messages tab will print on the member's statement.

(Portico Host: 905 Transaction - MBR MSG field)

If selected, the system will produce statements for members based on EFT activity or other miscellaneous activity. EFT activity can be ACH, ATM, audio response, or payroll-generated. The Transactions – Share and Loan Transfers tab, Adjustments – Share Deposit from General Ledger tab, and Adjustments – Share Withdrawal to General Ledger tab also can be used to identify EFT activity.

The system checks this field before checking the Force at Month End Because of EFT/Misc Activity check box on the Stmts/Reporting/Notices tab to determine if statements should be produced.

The following fields also affect EFT statement processing:

• Generate EFT Statements check box on the ACH Processing Options window.
• EFT Transactions, EFT Statement, and Statement Message fields on the Payroll Posting Summary window (payroll activity)
• ID Statement check box on the Credit Union Profile - Self Service tab (ATM, Debit card, and Audio Response activity)

Note: The system will not print the phone number specified in the EFT PHONE field on the 390 Report Rules on the member's statement if this field does not specify Y at the time the system generates statements.

(Portico Host: 905 Transaction - EFT field)

If selected, Portico will generate statements for a member that has had Shared Service activity during the month. This is a branch-level field.

(Portico Host: 905 Transaction - SSC field)

If selected, Portico will generate separate IRA statements for a member. (Portico Host: 905 Transaction - SPR IRA field)

Indicates if the credit union supports the use of electronic statements for members. The valid values are:

N - The credit union does not offer electronic statements. System default.

E - The credit union is set up with File Exchange (XROADS) to send electronic statements to a third-party vendor.

B - The credit union wants Portico to send the entire file of electronic and hard copy statements to a third party vendor.

If the credit union has offered electronic statements to its members and then decides to no longer offer this option to the members, all members who have been set up on the Stmts/Reporting/Notices tab to receive either the electronic statement or both the electronic statement and a hard copy statement should have the option reset to Hard copy on the Stmts/Reporting/Notices tab. This can be done after the Produce Electronic Statements check box is cleared. While the Produce Electronic Statements check box is not selected, the only valid value on the Stmts/Reporting/Notices tab for statements will be Hard copy.

(Portico Host: 905 Transaction - E-STMNT field)

The type and format of statement messages which appear on journal entries created by the Adjustments tab. The valid options are:

N - Not supported. System default. The statement message will be JOURNAL VOUCHER.

Y - Formatted. The statement message will be the message you manually entered. If you leave the Statement Message fields blank, the statement message will be SCR XXX MEM #######, where XXX is the host transaction code and ###### is the member number (e.g. SCR 269 MEM 2212004).

E - Unformatted. The statement message will be the message you manually entered. If you leave the Statement Message fields blank, the statement message will be blank.

Note: If the Level field in the Teller Administration section on the Credit Union Profile - Teller tab specifies 1 or 3, Y or E must appear in this field.

(Portico Host: 905 Transaction - JV MSG field)