Innovation & Technology

CBX: Features and Functionality Spotlight

Charnell Etzweiler

25 Aug 2026 • 3 min read

What is CBX?

Vizo Financial and our payments CUSO, MY CU Services, teamed up several years ago with CU*Answers and through this partnership, we offer CBX. CBX is an independent and wholly-owned core processing software, supported and maintained by CU*Answers. CBX operates using the IBM i^® server platform with TCP/IP connectivity, supporting a variety of LAN/WAN networking solutions.

CBX – A Walkthrough

CBX is a browser-based core processing platform that brings the CU*BASE system into a modern, single-page experience designed to support daily credit union operations across member service, lending, accounting, marketing and management review. It’s a solution built for credit unions and supported by a cooperative network, giving your team a connected core environment with the flexibility, tools and visibility needed to serve members efficiently.

Take a look at some of the features and functionality CBX offers:

General

Comprehensive education, online help and reference tools direct to the employee’s desktop via the CU*Answers network
Integrated shared branching options for disaster recovery and expanding member service without brick and mortar
Flexible, robust configuration options for savings, certificates and loans
Laser printing options including a complete line of user-defined laser forms: certificate forms, member notices, TIC disclosures and other new account forms, loan and member service denial notices, loan application and officer worksheet and available custom forms programming
Credit union control of employee access to tools
Expansive selection of member relationship management features, from analysis dashboards to marketing tools

Member Services / Front Line

Teller cash dispenser/recycler integration (supported TCDs/TCRs)
Automated funds and check transfers
Phone software with configurable phone transfer fees
“New Member” alert comments
Savings bond redemption tracking
Safe deposit box tracking
Laser-printed member starter checks
IRA beneficiary and payout tracking with automated payout transfers

Lending

Online credit reports retrieval and storage
Participation loans tracking
Complete centralized underwriting system
Risk-based loan pricing and delinquency analysis tools
Tools to streamline the loan application process, including auto-populated loan applications from the Household database, debt information from online credit reports
Tiered rates based on loan balance
Collateral title and property tax tracking
Configurable collections parameters and delinquency analysis tools; online collections monitoring system
Flexible interest and payment calculation options for business loans, mortgage loans and interest payments; variable rate and indexed controls
Lease loan tools
Indirect (dealer) lending tracking
Pre-membership loan applications
LOC disbursement checks
Online tracking of written-off loans

Accounting / Operational Support

CUSpy online retrieval of reports (90 days) and statements (12 months); CUSpy CD-ROM archival of reports and statements
Online inquiries for easy accrual verification and daily G/L balancing
Integrated OTB system for online tracking of “off-trial balance” credit cards, loans and savings accounts, including automated uploads/downloads with third-party vendors
CASS certification of member addresses
Regulatory compliance tools: AIRES downloads, FIDM and OFAC data match systems
Investment and subsidiary (fixed assets, prepaids, accrued expenses) tracking systems
Budget creation, analysis and tracking
Automated check reconciliation
Loan classification tracking for planning reserves
Accounts payable tracking
Streamlined operational support monitoring tools: ACH, payroll, share drafts, ATM/debit cards, etc.
Configurable Regulation D tracking parameters
Dormancy and escheat monitoring*

Marketing and Management Review

Help Desk inquiry for monitoring credit union calls to CUAnswers Client Services
Online member survey tracking and analysis
Cross-sales tracking system, including online marketing tips and product sales procedures
Telemarketing leads follow-up system
Tiered service levels with automated rewards for member participation
Marketing Clubs: demographic clubs with automated status tracking, fee waivers and rate benefits
“Push Marketing” tools, including messages via It’s Me 247 Online Banking and CUTalk Audio Response, email marketing, selective inserts for member statements and credit union-defined statement messages
Fully integrated non-member database for non-member relationship tracking and potential member data mining
Household database and statistical analysis by household and member
Extensive membership and member participation analysis tools
Rate forecasting and pricing analysis tools
Flexible configuration of “relationship fees” including over-the-counter fees, self-service fees and periodic service charges and rebates
ALM downloads
Membership and new account “reason codes” tracking
Full line of inquiry tools for comprehensive “window” into credit union operations
Member follow-up ticklers
SEG/sponsor tracking
Electronic deposit holds, including the “Member in Good Standing” system for controlling deposit hold settings*

Ready to Learn More?

For a deeper look at CBX and the streamlined core experience, we invite you to do a walkthrough of your own.

CBX Overview

To schedule a comprehensive, high-level demo or for additional information, please contact us at cuaxisteam@vfccu.org.

As the VP, core & digital solutions, Charnell oversees the CUaxis department. She is responsible for developing and managing the overall internal core strategy, as well as our digital banking platform, Zephyr, for the Corporate and our external core strategy with our partnership with CU*Answers. Charnell works closely with executive management and key staff, both internal and external, to ensure a strong strategic partnership that allows us to offer a robust core solution, CBX, previously known as CU*BASE, to our member credit unions.