Electronic and Laser Notices

Related Topics

Your credit union can choose to have Electronic Notices only or to have Electronic Notices and Laser Notices. To support either option, menus, window titles, and icon tool tips throughout Portico will indicate Electronic Notices or Laser/Electronic Notices.

Laser Notices

With Laser Notices, you can print notices using your laser printer.

  • Prints ACH and share draft return and non-return notices and NSF and Courtesy Pay notices for your EFT exception items on any type of standard 8-1/2” x 11” paper, including credit union letterhead.
  • Allows mixed case text and more items per page than existing notices.
  • Saves money by eliminating custom printing of notice paper by a third-party vendor.

Electronic Notices for Portico

Electronic Notices provides electronic delivery of certain notices currently produced on paper by the Portico system. With Electronic Notices, your members can access Portico notices electronically via Virtual Branch and Nautilus Essentials, or Corillian Online and Electronic Document Delivery (EDD). Members can also choose to receive e-mail notifications when Electronic Notices are available online.

Your credit union can select between the two eNotice enrollment options.

  • Electronic Only – The member receives electronic notices for the enrolled group. The member will not receive a hardcopy notice in addition to the electronic notice.
  • Both – The member can select to receive both electronic and hardcopy notices for the enrolled group. If your credit union offers both notice options, you will be billed for the electronic notice and the hardcopy notice. Corillian Online and Electronic Document Delivery (EDD) do not support a combination of printed and electronic notices.

The following Portico notices are available for electronic delivery. Notices have been grouped to allow easy setup, enrollment, and maintenance:

Group 1 - Certificates

  • Certificate Maturity Mailers Report 101 (eNotice only)
  • Certificate Renewal Mailers Report 102 (eNotice only)
  • Certificate Maturity Notice Report 105
  • CD Automatic Renewal Notice Report 106

Group 2 - NSF/Overdraft

  • ACH Reject Notices Report 167
  • ACH Overdraft Protection Notice Report 175
  • Online Overdraft Notice Report 271 (notice is produced in the back-office cycle)
  • EFT Courtesy Pay Notices Report 273
  • EFT NSF Notice Report 274
  • Share Draft Non-Return Notices Report 453
  • Share Draft Overdraft Protection Notice 455
  • Share Draft Return Notices Report 456

Group 3 - Tax Forms

  • 1099-OID Notices Report 107
  • 1099-INT Notices Report 108
  • IRA Partial and Total Dist. 1099R Notices Report 109
  • 1099-C Cancellation of Debt Notices Report 123
  • 1042-S Foreign Person’s U.S. Source Income Subject to Withholding Report 124
  • Mortgage Interest - 1098 Notices Report 198
  • Back-Up Withholding W-9 Notices Report 209
  • 1099SA HSA Distributions Report 493
  • 5498SA HSA Contributions Report 494
  • Fair Market Value (FMV) Form Report 496
  • IRA Contributions - 5498 Notices Report 498
  • Coverdell ESA Contribution Information (Form 5498-ESA) Report 499
  • Payments from Qualified Education Programs (Form 1099-Q) Report 502
  • Required Minimum Distribution Notices Report 503

Group 4 - Lending

  • Delinquency Notice Report 440
  • Delinquency Notices Report 441 (eNotice only)

Group 5 - Member

  • Overdrawn Share Notices Report 041
  • Closed Account Notices Report 091
  • EFT Item Origination Notice Report 176
  • EFT Confirmation Notice Report 275
  • Safe Deposit Box Renewal Notices Report 436
  • Safe Deposit Box Past Due Notices Report 437

From the groups of notices listed, your credit union can select which groups of notices to offer electronically, and then which notices within each group to offer.

Using online banking, your members choose to enroll or un-enroll from Electronic Notices. Only those users that have authority can enroll and maintain the electronic notice information. For Virtual Branch, the Demographic Update check box on the Online Banking Maintenance dialog box indicates if a member has authority to enroll or un-enroll in Electronic Notices.

From the notice groups offered by your credit union, members can select which groups of notices to receive electronically. Depending on the credit union option, members can choose to receive electronic notices only or hardcopy and electronic notices.

When a member enrolls in electronic notices through Corillian online banking, the delivery method will be changed to E-Electronic for all notice groups. Corillian Online and Electronic Document Delivery (EDD) do not support a combination of printed and electronic notices. Enrollment and un-enrollment in Electronic Notices can only be completed from Corillian Online. Enrolling and un-enrolling members using the Stmts/Reporting/Notices tab is not permitted with Electronic Document Delivery (EDD). As a result, the fields in the Notices group box are disabled when the CoASP/EDD field is Y on the 945 Report Rules.

Members can also select the groups of notices for which they want to receive e-mail or text alerts and define which e-mail address/phone number to use for those alerts. Your credit union must offer Mobile Money to provide electronic notice text alerts to your members. Portico notifies Virtual Branch 4 times a day that new electronic notices have been generated. Then, Virtual Branch sends an e-mail alert to your members containing the notice title and date.

For Virtual Branch and Nautilus Essentials, you can increase electronic notice adoption for existing members by enrolling members directly using the Notice Delivery Method group box on the Stmts/Reporting/Notices tab. Once your credit union electronic notice options have been set up in Portico, you can maintain the fields in the Notice Delivery Method group box on the Stmts/Reporting/Notices tab. For example, if your credit union offers Certificate Notices electronically, but NSF/Overdraft Notices are offered as hard copy only, you will be able to change the Certificates field to E - Electronic for a selected member, but you will not be able to change the NSF/Overdraft field from the default value of H - Hard Copy.

To view notices, members must log into online banking and select the notice and date. Then, click the notice to view the image. Virtual Branch retrieves the notice from Nautilus Essentials and displays the notice to the member. Corillian Online will retrieve the notice from Electronic Document Delivery (EDD). Members can choose to print notices or save the notices to their personal computer.

You can customize your Electronic Notices by adding your credit union logo (max size of 244 x 88 pixels), creating credit union-defined messages, and specifying your credit union address. If you are currently using Laser Notices, you will use the same templates created for Laser Notices for Electronic Notices.

Electronic notices will be stored on the History - Notice History tab. If the member receives both hardcopy and electronic notices, the electronic notice will be accessible via the History - Notice History tab.