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Account Origination

Consistent experience across application process

 

No dual entry or interfaces

Part of core

 

Paperless bank with eSign capability

Signed documents automatically sent to customer and
directly integrated to document imaging and filing

 

Dynamic account origination workflow

With dynamic document generation

 

Additional Services:

  • 100% compliant forms
  • Account verification as part of AO workflow
  • OFAC verification as part of AO workflow
  • Source of Funds tracking for corporate accounts

“This software saves me hours and automatically updates customer data in the core.”

Laurie Leighty · SVP
American Riviera Bank
California

IRA

Simplify IRA tax reporting, tracking and beneficiary inquiries

 
 

Automated EOY tax reporting

 

Dedicated report tracking and online inquiry for beneficiaries

 

Dedicated report tracking for disbursements

 

Minimum disbursement calculator

 

Online Inquiry of IRA Plan limits

 

HSA

Provide consumer and business health-related banking solutions

 
 

Debit card capable

 

Online inquiry of
all HSA Plan Limits

 

Dedicated report tracking
for excess contributions

 

Automated EOY
reporting

ACH

Process ACH transactions cost-effectively and in real-time

 

Integrates with internet banking cash management

All records automatically brought into Core

 

Bank controlled fraud parameters

By company and by account

 

Require single or dual approvals

By company and by account

 

OFAC performed on all records

Including “bad people” list and “not allowed” accounts

 

Online inquiry

For all warehoused items

 
Image of a stopwatch and dollar sign

Wires

Automate workflows, satisfy requirements, ensure security

 
 

Support International and Domestic wires

 

Integrates with IB cash management

All records automatically brought into Core

 

Require approvals on bank defined dollar limit parameters

Includes email notification to approvers

 

OFAC requirements

Performed on all parties involved in the wire record

Bonus & Rewards Checking

Manage bonus interest rates, cash rewards and transaction criteria

 
  • Pay bank defined bonus interest rates on an account
  • Set parameters to define how customer earns bonus interest rate
  • Tier and step tier bonus interest rates
  • Refund ATM surcharges when bonus interest rate is met
  • Ability to give the customer a cash reward based on debit card usage each month
  • Bank defined transaction criteria to earn the reward amount
  • Can define multiple reward groups

Round-up Debit Card Rewards

Streamline POS rewards and transfer to saving accounts

 
 

Round Point-of-Sale transactions up to the nearest dollar

 

Round up accumulative totals

 
 

Transfer funds to savings account

 
 
Image of a jar of change

Account Analysis

Simplify IRA tax reporting, tracking and beneficiary inquiries

 
 

Tie multiple accounts together

Facilitate combined analysis

 

Credits offset charges

Can be set up as recurring

 

Flexibility for different earnings credit calculations

Calculated by a rate, amount per basis, fed fund rate or overdraft rate

 

Option to have interest paid subtracted

From the amount of the calculated earnings credit

Rate Relationships

Simplify IRA tax reporting, tracking and beneficiary inquiries

 

Combine multiple relationships into one group

  • Including consumer and commercial accounts

Examine performance of all accounts in group

  • Determine the interest rate for those accounts
  • Bank provides rate for account individually, as needed

Automatically figure rate changes

  • Based on account rate type

Combined Statements

Simplify statement processes for ease of use

 
 

Tie multiple accounts together

 

Produce easier-to-use single statements

Sweeps & Transfers

Improve margins while serving customers with securely managed sweeps

 
  • Schedule transfers on a pre-determined basis
  • Do internal and external transfers
  • Handle cross-application transfers
  • Set up multi-tiered, bi-directional sweeps
  • Allow accounts to maintain minimum and maximum balances
  • Set up and maintenance of new sweeps or transfers
Image of a money cycle

Overdraft Protection

Manage overdraft banking with defined parameters

 
 

Gain the ability to set overdrafts

Into managed LOC

 

Bank defined parameters

For how LOC will function

Overdraft Privilege

Proactively manage ODP with set criteria and automated workflows

 

Set multiple groups

Includes email notification to approvers

 

Automate activation based on set parameters

For new and suspended accounts

Dedicated daily reporting

For tracking ODP accounts

 

Send automatic customer letters and notices

 

Track customer opt-in information

 

Have Questions?

Talk to a member of our team or request a demo

 
Contact Us Request a Demo

Created by Community Banks for Community Banks

 
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