ANR (Auto Non Returns) Enhancements

During the 2019 Leadership Conference, we announced a plan to make some enhancements to the CU*BASE automated non-return (ANR) feature, sometimes referred to as Courtesy Pay.  We’ll use this recipe to keep you up to date on the ideas and projects we will be working on during the 2020 and 2021 development years.

Review the slide from the 2019 Leadership Conference

Also read about ACH exception processing enhancements in the works

Project 1: Channel Pricing

With this project we adjusted the ANR fee configuration that so that you can configure a different fee based on the transaction origin code.  This means you can charge a different fee for overdraft services on debit card items than you do for checks or ACH transactions.

Status: Implemented in the 21.10 release.  

Project 2: No-Fee Transactions

With this project we added a new no-fee transaction threshold amount to the ANR fee configuration.  This means you’ll be able to only charge for transactions above a certain dollar amount, such as $10.00.  So if a $8.50 transaction comes in and causes the account to dip into the negative balance limit, your normal ANR fee would not be charged.

Status:  Implemented in the 21.10 release.   

What We’re Working On Next

A few months back we had a minor issue come up related to the daily ANR activation feature, which resulted in some members not being granted an ANR limit that should have been (read the alert).  While we promptly made the necessary corrections, it got us thinking about whether we should develop additional tools to help CUs ensure their configurations are working as intended.  ANR is a multi-layered process with a lot of moving parts, and while we do our best to test as many different scenarios as possible, there is no way our QC testing can replicate all of the variations that are in the field. So we depend on credit unions to review the daily activation/deactivation reports and monitor results to ensure their configurations are working as expected.

ANR Limit Calculator

This new tool lets you test to make sure your ANR scoring configuration is working the way you expect. You can enter any account base, and we’ll run the same calculation as the daily ANR deactivate/reactivation routines run, and tell you what that member would earn as of right now. Pick some test cases and keep ’em handy, then run a quick calc every so often to make sure your members are getting the limits you want them to get.

Status: Implemented in the 20.07 release.

Next we’ll be looking at building in some “what if” capabilities to the calculator so you can test the waters if you’re considering relaxing or tightening your ANR controls. What else can we do to help you understand if and when ANR should activate or deactivate for your members?  Leave a comment below with your ideas!

ANR Activation Enhancement for Payroll Deposits

This project adjusts the ANR scoring routines so that the existing ACH criteria now includes payroll (origin 05) activity. The existing ANR scoring process allows a CU to specify a minimum amount of ACH deposits made to an account over a certain number of days in order to be considered for initial activation, monthly adjustments, or reactivation of negative balance limits. We will be expanding these criteria to read not only deposits made via ACH (origin 11) but also the payroll process (origin 05) for payrolls posted via Tool #696 Process/Post Member Payrolls (or Tool #172 Batch Post Warehoused Payrolls).  (Note: This process will NOT look at payrolls that might have been posted via Tool #341 Direct/Mail Member Posting.)

Status: Implemented in the 21.10 release. 

FAQs

Q:  A local bank has what they call “24 hour grace” for their checking accounts. What is that and can we do that with CU*BASE?

A:  Our understanding is that this is an optional program where customers have 24 hours to make deposits in order to avoid overdraft fees.  From everything we can gather we believe this is done manually by via fee refunds once a customer makes the deposit to cover an NSF item.  According to their website, this doesn’t apply to return fees, only to overdraft (non-return) fees. You can certainly do this in CU*BASE for your members by monitoring accounts and refunding ANR fees.  We are not currently looking at developing any mechanism to do this is in an automated fashion.  If your credit union wants to be a project champion and assist us in designing such a program, please reach out to Keegan Daniel at EarningsEdge (kdaniel@cuanswers.com)!  24-Hour Grace® is a registered trademark of Huntington Bank.

Comments

If you have thoughts or ideas you’d like to share, please leave a comment. We’d love to hear from you!

Your chefs for this recipe are Randy Karnes, Keegan Daniel, and Dawn Moore.

Updated
October 20, 2021

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