Product. Advantage A Reliable, Cost-Effective Account Processing System to Position Your Credit Union for Growth

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1 Product Advantage A Reliable, Cost-Effective Account Processing System to Position Your Credit Union for Growth

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3 Product Your credit union relies on technology to deliver exceptional member service, enabling you to grow and succeed. Advantage from Fiserv provides the technology you need to exceed member expectations through a platform that s affordable, dependable and easy to use. The client/server-based Advantage system provides a fully integrated account processing platform that enables your credit union to provide best-of-breed member service. State-of-the-art technology handles teller, lending, collections, accounting and marketing functions in a Windows environment. Advantage enables a member-focused and profitable operation through a cost-effective and reliable operating system positioning your credit union for growth. The system offers easily attached, low-cost industrystandard devices, expandable system memory and flexible storage, networking and I/O capabilities. Simple to Learn and Use With Advantage, tellers can access nearly all information on a member s account from a single window, using point-andclick functionality that simplifies teller training and navigation. Tellers don t need to wait for screens to refresh or move from window to window; they can easily post transactions, inquire on history, update a member s address and handle other daily tasks without exiting the account screen. And they don t have to memorize keywords or quick codes because all options are visible on screen in a graphic format that makes account service intuitive. 3

4 An Intuitive and Efficient Account Processing Solution For maximum speed, accuracy and security, Advantage enables you to connect tellers to a teller cash dispenser, eliminating the need to count and disburse cash and coins from a drawer. And the system s search capabilities allow tellers to reference a member account instantly using one of 16 different ways, such as Social Security number, account number, phone number and many others. Efficiency-Boosting Features Advantage streamlines operations and reduces paper-based processes by interfacing to Integrated Media Management s TotaleReceipts, providing a transaction imaging capacity linked to digital signature pads and small-footprint receipt printers. Tellers can capture receipts and member signatures and dynamically store the resulting images as non-editable, indexed PDFs. You can also choose to print signed documents on the spot or send to members via . Use Advantage document processing to produce a predefined member letter or right from the workstation, or import member data into an open database connectivity (ODBC) spreadsheet, such as Microsoft Excel or Access, for reporting and tracking. You can also design custom graphical displays to include such unique information as your logo, share and loan rates, or new product information. Improve productivity by launching applications that use Microsoft programming tools, such as Visual Studio,.NET, Visual Basic, Visual Basic for Applications and Visual C+++, passing and storing data from the member database. And when your staff needs help with a function, they can use the Advantage online help tool for quick reference, which also links to policy and procedure guidelines, loan and share rates and more. 4

5 Improved Service To provide your members with the selfservice features they expect, Advantage offers several for Advantage home banking handles virtually any transaction via the Internet, including account inquiry, bill payment, funds transfer, , statements and loan applications. Interested in serving nonmembers? Advantage enables you to offer check cashing, money order purchase, bond redemption and credit reporting services to those who don t have an account at your credit union. And when prospective members are interested in joining, our online account opening solution makes it easy to do via the Internet. Growing a business account portfolio? The flexible Advantage account structure identifies commercial and organizational accounts and supports the implementation of fees, rebate programs and tiered dividends. Advantage Features Embedded imaging and retrieval solutions Integrated Internet loan application Multilingual audio response Multilingual Internet banking Automated new member enrollment RD3 SQL-based data management capacity Membership relationship management Relationship pricing Integrated asset recovery In-house and third-party credit card processing solutions Debit card processing Fraud detection services Shared branching services Plastic card authorization services ACH debit/credit and origination services Member image identification Cross-sell and marketing communication notice, statement and marketing 5

6 More Features Member account overdraft based on relationship Full OFAC and Customer Identification Act support Connect With Us For more information about Advantage, call , or visit Fully automated lending services, including: Integrated Internet credit bureau reports Scoring and risk-based loan pricing Automated approval Automated disbursal Application queuing and routing Commercial account processing, including: Member business lending Account analysis Batch deposit processing Service fee management 6

7 About Fiserv Fiserv is driving innovation in Payments, Processing Services, Risk & Compliance, Customer & Channel Management and Insights & Optimization, and leading the transformation of financial services technology to help our clients change the way financial services are delivered. Visit for a look at what s next now.

8 Fiserv, Inc. 255 Fiserv Drive Brookfield, WI Fiserv, Inc. or its affiliates. All rights reserved. Fiserv is a registered trademark of Fiserv, Inc. Other products referenced in this material may be trademarks or registered trademarks of their respective companies COL 10/15