Disaster Preparedness through Shared Branching

Shared Branching Provides Continuous Service in Times of Disaster

How will your credit union recover and will you be prepared to serve your members during a time of disaster? Whether it’s a flooded computer room, a fire in your main office, or a local accident which debilitates your credit union’s communications, CO-OP Shared Branching has created a method for your credit union members to receive continuous service through the shared branching interface.

NGN CURe (Next Generation Network Credit Union Recovery) is a program designed to assist credit unions with serving members, even if the credit union’s infrastructure is damaged or suffers some sort of business interruption. NGN CURe provides credit unions the ability to offer transactions to members through the CO-OP Shared Branching Next Generation Network (NGN) based on either a positive balance file submitted routinely to CO-OP Shared Branching or a secondary VPN device in place at a disaster recovery (DR) site. The positive balance file provides the CO-OP Shared Branching acquiring locations the ability to see member information similar to that available to real-time shared branching participants, making this program better than other commonly used offline procedures.


How Does the Positive Balance File Work?
Credit unions participating in this program will send, electronically, a positive balance file (PBF) containing the members’ account and balance information to CO-OP Shared Branching on a regular schedule in the appropriate format through a secure channel. The data will be stored in the NGN CURe database so if your credit union’s infrastructure becomes incapacitated for any reason, transactions can be authorized against the data file you provide. Your data processor will code to the file specifications provided by CO-OP Shared Branching.

Your credit union designates the agents that may initiate this stand-in authorization mode by calling CO-OP network services department at 678.812.1340 or by emailing networkservices@co-opngn.net. Members of the participant credit union will then be able to access their accounts at CU Service Center locations based on the criteria/limits below:

  • Not required to be a client of CUSC of Alabama to enroll in this service
  • Files are transferred on a regular schedule to CO-OP
  • Issuer credit union decides on the limits of member transactions
  • Allowed transactions include: deposits, withdrawals, and transfers only

Transactions Available
As transactions are initiated, CO-OP Shared Branching references the instructions provided by the issuer credit union and either approve or deny transaction requests based on these standards. Credit unions may establish limits on share accounts for deposits, withdrawals, and transfers. Loans are currently not supported. History, special purchase, and check cash transactions are not available while in the NGN CURe environment. For any account that does not exist, CO-OP Shared Branching will respond back to the acquirer with the appropriate response code, i.e. invalid account number, etc.

Balances for any withdrawal made in the NGN CURe environment are recorded to adjust the member’s balance so members cannot withdraw more than the original balance provided by the credit union. Deposits, transfers, or reversals will not update the member’s balance; immediate access will not be available to members performing those types of transactions.

Once the credit union’s normal operations have been restored, credit union agents instruct CO-OP Shared Branching to cease authorization of transactions. Settlement and detailed reporting of the transactions are provided for the time period that NGN CURe is authorizing transactions so that the participant credit union may manually post activity to their host system. Requests for changes or deletion from the program must be submitted in writing.


How Does the Second VPN Appliance Option Work?
Credit unions selecting this option must be an existing shared branching participant on NGN. With this option, credit unions receive a second pre-configured VPN appliance that can be installed and brought online at an alternate location, such as a disaster recovery hot site. This way there is an alternative link to shared branching that is up and running at all times.

Your credit union designates the agents that may initiate this stand-in authorization mode by calling CO-OP network services department at 678.812.1340 or by emailing networkservices@co-opngn.net. Members of the participant credit union will then be able to access their accounts at CU Service Center locations based on the criteria/limits below:

  • Must be a current client of CUSC of Alabama to enroll in this service
  • VPN device is placed at an alternate location
  • Link to shared branching is running at all times
  • All transactions are available as normal

Transactions Available
The usual transactions provided with an online connection are available through this option. Deposits, withdrawals, and transfers, etc. continue to be available and member balances are updating online, real-time, as with your standard connection. As with NGN CURe’s positive balance file, requests for changes or deletion from the program must be submitted in writing.


Sign Up for Either Option
To participate in either option, download and complete the NGN CURe Authorization form and fax to CO-OP Shared Branching at 678.812.1301.