The $3.6 billion credit union, which is automated by the Episys core system provided by Jack Henry & Associates' Symitar division, began a search to further improve payment efficiencies more than two years ago, selecting ImageCenter and EPS after an extensive due diligence process. Mountain America Credit Union is a federally chartered institution, with more than 440,000 members. It is currently ranked among the top 35 credit unions in the nation by assets.

According to Alex Barker, chief information officer at Mountain America Credit Union, "We process hundreds of thousands of check deposits per month. ProfitStars allows our tellers to be an estimated 30 percent more efficient by streamlining their workflow and reducing back office balancing. And when you spread that efficiency across 76 branches, this allows a lot more time for our employees to engage with our membership about other products or services that our members may need, rather than working heads-down performing transactions. Also, with our rapid growth in mobile deposit as well as our merchant capture adoption and image-enabled ATMs, it was important for us to have a single technology partner to handle all our different payment channels."

ImageCenter is ProfitStars' comprehensive image capture solution that electronically processes all transaction types for financial institutions. The system leverages integrated modules that operate as the collection point for transactions originating from multiple channels, including teller stations, branches, and image-based and conventional ATMs. ImageCenter accepts data and image input files from multiple sources, including third-party providers, in a variety of formats. ImageCenter supports multiple capture methods, including teller, branch, central, image ATM, and remote deposit. Each transaction is automatically reviewed by ImageCenter's 5-Point fraud solution which leverages data from both leading fraud prevention solution providers and information provided by the user.

Enterprise Payment Solutions (EPS) is a comprehensive payments engine that accepts and generates a variety of payment types and offers a robust suite of risk management tools and reporting capabilities for both financial institutions and their business customers. The EPS payments engine provides multiple touch points through which business customers can process a wide variety of payments, including checks, ACH, and card transactions. This flexible, scalable solution can be configured to offer as many or as few payment options as needed with the flexibility to quickly and easily add options in response to consumer and market needs.

Mountain America Credit Union selected Remote Deposit Complete(TM) (RDC) and Remote Deposit Anywhere (RDA) from EPS, enabling its platform to empower businesses to deposit checks from any remote touch point -- home, office, compatible smartphone, or compliant tablet device -- as well as accept single or recurring payments.

According to David Foss, president of ProfitStars, "Mountain America Credit Union is a very well-regarded credit union with a strong reputation. It is a model of credit union management, demonstrating new levels of success across retail and business banking, and we are proud it has chosen our solutions to help support future growth."