Our Services

CU-centric’s approach is simple. By using the latest in open-source and open-platform technology teamed with a true SQL database, our cost of system development is very reasonable. Features can be added rapidly without interfering with credit union operations. Since the SQL database is compatible with third-party packages, the credit union now has a wealth of third-party solutions available to them. The SQL database provides exceptional transaction performance with rock-solid reliability.

share drafts

Share Drafts processing for Corporate One, Mid-Atlantic, SunCorp and others. On-Line draft return processing and fee posting. Multiple overdraft options from shares, loans and Courtesy Pay.

variable rate loans

Based on credit union defined index rates with individual margins that can be specified at the loan level based on credit worthyness.

certificates

Fully automatic transfer or rollover with notice generation.

fixed rate loans

Unlimited available loan types with up to 999 loans per account

ira's

Full IRS reporting as well as reports for managing contributions and distributions.

open end loans

Open-End Loans including fully automatic payment calculation and notice generation.

club accounts

Automated transfer and/or check printing.

mortgage loans

True mortgage interest payment calculations with title and insurance tracking.

tiered div rates

Tiered Div Rates

relationship pricing

Rates and/or fees can be defined based on member relationship and/or credit score.

courtesy pay / odp

Fully integrated Courtesy Pay/ODP with notice generation. Also compatible with SmartStep Solutions systems.

credit report history

On-Line access and storing of Credit Reports from TransUnion, Equifax, Experian, and CBC.

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COLLECTIONS

On-Line collections system with custom sorting, collection specific notes, credit reporting override options, late fee override, and integrated charge-offs.

APPLICATION TRACKING

Fully integrated on-line Loan Application and reporting system. Allows tracking of applications with automatic population of debts from credit report, system generated adverse action letter, ability to counter offer, credit union defined parameters that automatically calculate new loan interest rate, and system calculated debt ratios.

ON-LINE (LIVE) ATM

Batch and Live ATM processing from Corporate One, Certegy, Mac East, MPS, Star and others.

ON-LINE DEBIT CARD

Batch and Live Debit Card processing from Corporate One, Certegy, MPS, and others.

ACH WAREHOUSE

Live in-house Credit Card posting and authorization with integrated statements and payment coupon.

ON-LINE CREDIT CARD

Batch and Live Debit Card processing from Corporate One, Certegy, MPS, and others.

LIVE VOICE RESPONSE

Live Voice Response system utilizing text-to-speech technology eliminating the need to pre-record promotional messages resulting in a consistant voice throughout the session.

LIVE INTERNET BANKING

Live Internet Banking with integrated Bill Pay.

LIVE SHARED BRANCHING

Live Shared Branching with Co-op Financial Services.

INTEGRATED G/L

Fully integrated General Ledger with automatic End Of Day G/L Entry generation. G/L templates ease daily batch entry. On-line G/L history and direct access to ‘other side of entry’ allow easy reconciling. Fully customizable G/L reporting allow you to decide what level and grouping is on your Income Statement and Financial Statement.

AUTOMATIC MONTH-END

Fully scheduled and automated End-Of-Day and End-Of-Month. You decide which reports to automatically run and when. Backups can be transmitted to a secure off-site location with process monitoring for peace of mind. Just walk out the door at closing on the last day of the month worry-free.

BRANCH ACCOUNTING

Full Branch Accounting using Cost Center Accounting allows the credit union to drill down expenses to a specific unit or branch.

G/L BUDGET TRACKING

Yearly G/L Budget entry with comparison reporting. Copy actuals by month or average over the year eases G/L Budget entry.

INTEGRATED A/P

Quick vendor check printing or vendor invoice entry for payment later. Full history of vendor payments as well as affected G/L’s. On-line aging of vendor invoices.

INVESTMENT TRACKING

Fully integrated investment tracking with automatic G/L entry generation and detail reporting.

FIXED ASSETS

Fully integrated Fixed Asset management (as well as Pre-Paids) by Location and/or Type with automatic G/L entry generation and detail reporting.

ALM INTERFACE

Asset Liability Management Interfaces with Brick, CUPRO, and ProfitStar.

ON-LINE REPORTS

All reports generated from the system are stored electronically eliminating the need to store paper copies. Reports are generated in the industry standard Adobe Acrobat PDF format allowing easy sharing by e-mail. All reports may also be generated in a CSV format allowing easy import in Microsoft Excel, Open Office Calc, or any other standard spreadsheet program.

ID IMAGING

Unlimited images (license, signature card, etc.) can be scanned at the teller line and attached to a member’s folder. Other documents may also be uploaded and attached to the member’s folder.

SIGNATURE CAPTURE

Fully paperless signature capture is available at the Teller Line storing the member’s signature eliminating the need to store a paper copy off-site.

INTEGRATED OFAC

Direct on-line processing of OFAC files from the U.S. Treasury eliminate the need and additional cost for third party processing. Run and OFAC check against the entire membership base or a new or existing member.

INTEGRATED RED-FLAG

Fully integrated Red-Flag (Watch List) reporting and management. Automatic assignment based on address change or new membership. Define your own internal Watch Lists. Incorporated into most reports.

ASSISTED CROSS-SELL

Using information gathered from on-line credit reports, the system can suggest cross-sell opportunities utilizing your current loan rates and types.

ODBC INTERFACE

Industry standard Open Source database accessable using any ODBC product such as Crystal Reports and Microsoft Excel.

ON-LINE HELP

Immediate, printable, on-line help gives you access to documentation specific to the function you are performing or the screen you are accessing.

RELATIONSHIP DATABASE

Backed by the Industry Standard Open Source Database: PostgreSQL. PostgreSQL strongly conforms to the ANSI-SQL:2008 standard and is recognized by the industry as the most powerful Open Source database software available today. Visit www.postgresql.org for more information.

SECURE LINUX SERVER

At the heart of the CU-centric system is Red Hat Enterprise Server – a Linux distribution know for its security, robustness, and performance. Visit www.redhat.com for more information.

BROWSER BASED

No software need be installed on workstation except for your standard internet browser (Microsoft Edge,Chrome,Firefox, or Safari) eliminating the need to update each workstation with updates and per user licensing costs.