Credit Union Real Time Interfaces
The importance of providing the most accurate mortgage loan information in real time is increasing as borrowers demand to have this information readily available via websites, tellers, member service representatives and audio response systems. FICS provides a variety of real time interfacing options so credit unions can meet or exceed member demands.
FICS' Real Time Access synchronizes mortgage information in your core data processor's database with the FICS Mortgage Servicer database in a real time environment.
Benefits to Tellers
- View mortgage loan information in real time.
- Post payments in real time.
- Instantly view updated balances.
- Print updated receipts from teller station.
Benefits to Members
- Receive an updated receipt when making their mortgage payment to a teller.
- Instantly access their mortgage loan information through the credit union's audio response system or online home banking system.
- Make a payment through audio response or online banking system.
Benefits to Credit Unions
- Easier to use, current technology
- Save time and money by possibly eliminating overnight batch processing.
- Lower call volume by giving up to the minute, accurate information.
- Mortgage loan information can be displayed in a format consistent with the core system.
FICS' eStatus web application provides credit union members and investors with the opportunity to view their mortgage loan information via the credit union's website or home banking website 24/7.
Benefits to Members
Members can make payments online, view current loan information and history, update personal contact information and request a payoff statement 24/7.
Benefits to Investors
Investors can view associated loan level data and investor reports 24/7.
Benefits to Credit Unions
Credit unions can send automated email messages to members that encourage them to view statements and notices, such as Amortized Loan Statement Change Notice Analysis, or T&I Disclosure on their eStatus website 24/7. Cross-selling messages can be incorporated into your eStatus website to promote other member services.
FICS' Mortgage teller allows real time access to your mortgage loan information at the teller station. Tellers can post mortgage payments in real time and print an updated receipt for your customer immediately.
Benefits
Members benefit from superior customer service from the credit union when tellers are able to provide them with an updated, accurate receipt.
