Our Products

Functionality at Your Fingertips

TCCUS-sme is founded on relational architecture that meets your growing set of demands and satisfies the needs of credit union management, your staff and the all-important member. It is built on a powerful member-centric, relational database. It represents a combination of the most critical processing modules all tied to a central and relational database including:

Business Intelligence Solutions

Open Solutions' TCCUS-sme creates personalized technology through real-time relational reporting which facilitates quick identification of trends, changes and operational exceptions. You can access your members' complete operational data, which allows you to make accurate and decisive corrections — and to recognize future opportunities.

Perhaps the most important area in TCCUS-sme business intelligence is Member Target-Marketing, which uses familiar reporting tools such as Crystal. You select the criteria that identifies your target members; Member Target-Marketing then presents special products or services for these members through your home banking solution or by prompting member services representatives right at their screens.

Advanced Accounting

Up-to-the-minute G/L balances and reports - including complete branch accounting, forecasting, investments and budget management.

The TCCUS-sme accounting and general ledger management system is fully-native, without cumbersome third-party layers, enabling instant back-office processing. It also includes accounts payable and fixed assets.

Loan Origination

Open Solutions offers a premier native lending solution customized to fit your needs and contribute to your credit union's return on investment. Our loan origination system is fully integrated with our core so there is no re-keying of data once it's entered. We also offer online loan applications through our integrated solution and risk-based and relationship pricing for the loans.

Member Business Services

With a wide range of financial services, you can now customize specialized accounts and services to meet the unique needs of your business members. Services include business checking, automated business fee handling, sweep account functionality and ACH.

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Popular Options

Many of our clients find that their members are looking for more products and services from their credit unions. For this reason, we offer several integrated options such as:

Open Solutions Digital Document Systems

Open Solutions Digital Document Systems (DDS) provides enterprise-wide content management services that capture and deliver browser-based access to key records like
receipts, eStatements, tax forms and loan documents. Our Digital Document Systems can help you achieve the financial and service benefits associated with being a
"paperless" organization. Member service is also enhanced by giving credit union staff instant access to vital account information. Discover all of our DDS products and services.

Electronic Services

Open Solutions' TCCUS-sme provides an "issuer" solution (shared branching) that lets you offer members the ability to perform transactions at Credit Union Service Centers. We deliver a technology that allows you to become an "Outlet Branching Acquirer." TCCUS-sme credit unions have even implemented a local inter-shared branch network to reduce national network fees and automate balancing between each participating credit union system.

Based on your credit union's policy, you can use TCCUS-sme's Overdraft Protection (ODP) solution to extend overdraft services to your members.

Open Solutions TCCUS-sme provides ATM/credit and debit card services in real-time and batch processing, reflecting the latest information. With real-time processing, your members' balances always reflect the latest credit union and member activity.

Voice Telephony Systems

A phone system is more than just a piece of technology. It’s often the only thing connecting you to your members. Natural Language Speech technology has taken financial services telephony to an entirely new level, allowing your members to communicate by “speaking” to the system as if talking with a live agent.

Our Text-to-Speech (TTS) software reduces costs and development time by supplanting human recordings in a number of commercial applications. It can enhance your member’s experience by providing dynamic, detailed and personalized information in a real-time near-human automated voice. Multiple language support is also available for TTS.

A True Technology Leader in Image-Based Item Processing

Our goal is to help our clients achieve the highest level of operational success using our image-based processing products and services. In addition to check imaging, you can accomplish so much more with image-based item processing – from remote deposit and image exchange to document imaging and imaged lockbox or remittance processing. Find out more about our full imaging product line.

Regulatory Management Toolkit for Today’s Credit Unions

More and more, financial institutions are being bombarded with compliance and regulatory requirements on a daily basis. And the complexity and cost of compliance are escalating. Financial institutions today face more regulations, higher regulator expectations and steeper penalties.

The Regulatory Management Toolkit (the Toolkit) is a suite comprised of Web-based products (self-assessment tools) and services delivered through our trusted business partners. A bundled package with extensive scalability for institutions of all sizes, the Toolkit enhances operational efficiencies to facilitate your assessment, remediation and monitoring of key regulatory compliance requirements. Find out more about the Regulatory Management Toolkit.

Professional Services for Credit Unions

Along with our technology solutions, Open Solutions offers complementary services to help your institution further realize the maximum benefit from our products. Whether you just started using our solutions or have used them for years, we can guide you to the next level of integration. We offer supplemental training, custom enhancements and expert counsel to help you maintain and leverage your Open Solutions advantage in today’s competitive marketplace. Find out more about our Professional Services.

Contact us today to arrange an onsite demonstration! Or call us at 801.222.0200.

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