The entire process for a member to make a deposit has never been easier with our CU Mobile Deposit product.  You simple take a picture of the front and back of your check, enter the amount of the deposit and then select the account where you want it to be deposited and that’s it!  If you can take a picture, you can make a deposit!  Our product will also enable you to personalize an impersonal transaction by sending your member a unique push notification alerting them of the transaction failure or success.

Now is the time to enroll in one of our no obligation mobile remote deposit capture webinars to learn more.  Contact us today!

More than 27% of credit unions offered mobile banking as of the fourth quarter of 2012 and that figure is escalating daily.  As a matter of fact, according to Callahan & Associates Technology Priorities Survey credit unions identified mobile (mobile banking, remote deposit capture, etc.) as being their biggest initiative for 2013.  44% plan to upgrade their existing application and 56% plan to introduce their members to a new one this year.  64% reported that they plan to add a mobile RDC platform this year.  According to Pew Research, a reported 29% of cell phone owners use their device to access some form of on line banking and 45% of them own a smartphone device.

What is all of this really telling us?  It’s a given fact that mobility is here to stay and your members are currently searching for your app in the iTunes, Google Play or Amazon Marketplaces.  Question: will they find you?  If so, does it provide them with a robust user experience?  If not, how long are you going to make them wait?  Now is the time to consider developing a new or upgrading your existing app for your members.  Contact Us today to find out just how easy and affordable this process is.

Our app features allow members to apply for loans, read about credit union specials and promotions, watch videos from within the app, use QR code technology, receive in app push notifications and much more!  Surely if I walked into a credit union branch I could do more than just “banking”.  Wouldn’t that include applying for a loan, maybe talking to an investment rep and learning more about what credit union products and services are available?  With a mobile app that just focuses on “banking”, that is not truly putting a credit union branch in every member’s hand.  At CU Mobile Apps, our app truly provides more than just banking.  Our app will generate revenue for the credit union!

I talked to a friend of mine last month that happens to be the CEO of a large credit union and he said he is tired of paying his mobile banking provider $30,000.00 a month!  Core processor’s love focusing on “mobile banking only” apps… and now I know why!!!  They simply don’t get paid for “Marketing”!!!

Mobile banking adoption has increased rapidly since its introduction, and the demand for mobile deposit continues to grow. Business consulting firm Bain and Company announced in December 2012 that mobile banking usage in the United States has increased 50% since 2011, and 41% of survey respondents said that using their smart device for remote deposit would be highly valued. Credit unions implementing a mobile solution with remote deposit, like the integration offered through Cachet and CU Mobile Apps will be able to capitalize on these major trends and gain a significant advantage as consumers continue to adopt these services.

“Industry experts have identified mobile banking as the biggest trends for credit unions in 2013 and mobile deposit has long led the list of most desired enhancements to traditional mobile banking,” said Jeffrey Mack, President and CEO of Cachet Financial Solutions. “The CU Mobile Apps solution is already recognized as a leader in the mobile banking world and this integration is exciting because it allows their credit union customers to step further into the mobile revolution.”

Tom Gray, owner-partner of Member Service Solutions (MSS), who offers the CU Mobile Apps products, agrees saying, “We live in an increasingly mobile world, and credit unions are quickly recognizing the demand for mobile products from their members. We pride ourselves on going above and beyond with our mobile solutions, and the ability to offer leading mobile deposit technology through Cachet will be a key differentiator for our credit unions’ mobile initiatives.”

The partnership was driven by a shared emphasis on the needs of credit unions and their members. CU Mobile Apps’ forward-focused design enables credit unions to smoothly integrate new features, like mobile deposit, as they are developed. For members, making a deposit is fast and easy. They simply snap photos of their endorsed check and submit them for processing. Cachet’s solution formats the images, corrects any distortions or skewing, utilizing Mitek’s patented technology, and confirms that the images meet industry, Check 21, and mobile image-quality standards.

“CU Mobile Apps provides a robust, flexible and affordable solution with a high level of customization and control for the credit union,” said Kevin Harrigan, Vice President of Sales and Strategic Alliances at Cachet. “Integrating Cachet’s mobile deposit solution makes this a very attractive solution for those interested in expanding their mobile offering.”

About Cachet Financial Solutions

Cachet Financial Solutions is a leading financial services technology company, specializing in commercial and consumer remote deposit capture (RDC) solutions for financial institutions, credit unions, and financial service organizations. RDC Select™, our industry-leading platform has been designed to simplify the process for delivering, implementing, and servicing RDC. We’ve eliminated the need for our clients to build and manage their own RDC business. Cachet’s merchant capture (for both PC and Mac) and mobile deposit technology provide greater freedom and flexibility for financial institutions and their customers. Cachet’s sophisticated marketing strategy and professional sales training program ensures our customers success with their RDC initiatives. Let us help you Unleash the Power of RDC!™  For more information call 877.318.4449 or visit www.cachetfinancial.com.

About Member Service Solutions, LLC

Member Service Solutions, LLC is a respected provider of insurance and financial solutions for credit unions and financial institutions.  Additional information is available at www.cumobileapps.com and www.memberservicesolutions.com, or by calling (800) 537-9035, Ext. 105.

The agreement was recently finalized and made public by George W. Fiegle, Executive Vice President/Chief Operating Officer of ICUL Service Corp, which serves nearly 3,000 of the nation’s 7,000 credit unions, in coordination with 42 state leagues and CUNA Strategic Solutions.

The decision to partner with CU Mobile Apps is expected to materially support and enhance the mission of ICUL Service Corporation, which is to help credit unions compete, says Fiegle.  “We do so by providing them with tools in the form of products and solutions that enable them to compete for their members’ business and enrich their financial lives.

“Including mobile apps capabilities in that tool chest of offerings will not only provide greater flexibility and convenience to our client credit unions, but will also help them expand their appeal to a younger market segment that has traditionally been less accessible to our industry,” added Fiegle.

Increasingly tech savvy consumers expect to control shopping, entertainment, and banking functions from their iPhones and other mobile devices; consequently, mobile apps are being downloaded by the billions: to date, users have downloaded 8.8 billion apps from the Android App store, more than 25 billion apps from the Apple Apps store, and according to technology research expert Gartner, Inc., by 2014 annual downloads of mobile applications from app stores will surpass 70 billion.

In response, ICUL Service Corp began searching several years ago for a mobile solution to meet the needs of credit unions, said Fiegle.  “We were not willing to deliver something that was less than an ideal fit for our credit unions, so we’re delighted that we found CU Mobile Apps!  Their product is very reasonably priced, the links are already in place, it’s highly customizable, implementation is quick—and they have an excellent understanding of the industry’s needs.

“Another aspect of the partnership that appealed to us is the potential for building mobile applications into our existing products, especially our reloadable prepaid debit product, where we are already the industry leader,” Fiegle pointed out.

Since their introduction in 2005, ICUL Service Corp’s hugely popular prepaid debit card products have been embraced by more than 2,000 of their credit union customers within the 42 state leagues they recognize as partners.

“Our society is thriving on mobility,” agrees Rick Hargis, owner-partner of Member Service Solutions (MSS), a provider of insurance and financial solutions for credit unions and financial institutions, who offers the CU Mobile Apps product.  “We were honored to be chosen as an ICUL Service Corp partner.  As mobile technology continues to evolve, we look forward to a long-term partnership with them for many years to come.”

In recent months, the groundbreaking financial app for smartphone users has been making waves, fuelling growth, and garnering increased member satisfaction and profits for a growing number of credit union subscribers to the service, reports MSS partner Tom Gray, a trainer, consultant, and creator of tailored profitability solutions for client companies nationwide.

“Due to the widespread popularity of smartphones—which are normally regarded as essential to their owners and always carried on their person or within easy reach—an efficient and versatile mobile app allows credit unions to reach their members virtually 24 hours a day with messages they won’t miss,” Gray points out.

What gives the CU Mobile Apps product its unique edge in the exploding app market, however, says Hargis, is a combination of advantages: “It’s fast, flexible, multi-talented, affordable, user-friendly—and it lives up to its promises.”

The product’s unique “App Engine” platform works with both iPhones and Android devices, including iPod Touch and iPad, as well as Android Mobile, Android Tablet, and Kindle Fire devices.  Its future-forward design allows it to seamlessly accept and integrate newer technologies as they become available, without costly, inconvenient restructuring/redesign delays—and without additional subscription charges.

“Tom and I are very excited about our partnership with ICUL Service Corp,” added Hargis. “We look forward to developing the significant potential of our mobile apps product’s capabilities to provide outstanding service to the credit unions in their state partner leagues.”

Established in 1967 as a business subsidiary of the Illinois Credit Union League, ICUL Service Corp has been supplying a lengthy list of products and services to credit unions, including credit cards, ATM and debit card services introduced in 1985, and their prepaid, reloadable debit card, which entered the market in 2005.

“We are delighted that working with the CU Mobile Apps organization, we will be able to deliver an affordable, thorough, well-developed product that’s easily customizable and quickly implemented for credit unions.  It’s a perfect fit for us in delivering customer service to credit unions,” concluded Fiegle.

More information on ICUL Service Corporation is available at www.iculsc.com ; to learn more about CU Mobile Apps, visit www.cumobileapps.com or call (800) 537-9035, extension 105.

The agreement was finalized in early November and recently announced by VolCorp’s SVP of Marketing & Business Development, Sandy Swofford.  “The decision to partner with CU Mobile Apps is consistent with VolCorp’s philosophy of maintaining member service and convenience as its top priority,” said Swofford.  The addition of the CU Mobile App product to its menu allows VolCorp to expand the scope of benefits offered to its member credit unions in a direction where demand for such service is high and continues to increase.

The app’s unique user-friendly features and reasonable price structure were key to its appeal, said Swofford. “We’re very price-sensitive on behalf of our credit unions.  We know how difficult things are right now for most credit unions across the country.  It was of particular importance to us that CU Mobile Apps provided a robust and affordable mobile app for our members.”

“Our society is thriving on mobility,” agrees Rick Hargis, owner-partner of Member Service Solutions (MSS), a provider of insurance and financial solutions for credit unions and financial institutions, who offers the CU Mobile Apps product.  “We were honored to be chosen as a VolCorp partner to provide mobile solutions to nearly 350 credit unions and their members.  As mobile technology continues to evolve, we look forward to a long-term partnership with VolCorp for many years to come.”

The CU Mobile App’s features include the ability to quickly create and send alert notifications, special offers, and loan or account rate information to members’ smartphones, as well as on-line banking capabilities that allow users to access their web-based account information securely through their mobile app – just as they would on their home computer.  The app’s QR technology also provides users with the ability to not only scan the codes generated by their credit union using the App Engine, but also a variety of generic QR Codes.

The product enables subscribers to easily upload images, choose colors, customize items displayed, and add or change content at any time – with the results accessible to the credit union’s members and customers within 60 seconds.  Furthermore, the product’s unique “AppEngine” platform works with both iPhones and Android devices, including iPod Touch and iPad, as well as Android Mobile, Android Tablet, and Kindle Fire devices.  Its future-forward design allows it to seamlessly accept and integrate newer technologies as they become available, without costly, inconvenient restructuring/redesign delays – and without additional subscription charges.

“Tom and I are very excited about our partnership with VolCorp,” added Hargis. “They have an outstanding team and are very committed to serving their member credit unions. Member Service Solutions, LLC, and VolCorp share the same philosophy: we put the needs of our credit union clients and their members first.”

More information on VolCorp is available at www.volcorp.org; to learn more about CU Mobile Apps, visit www.cumobileapps.com.

About Volunteer Corporate Credit Union

Volunteer Corporate Credit Union (VolCorp) is a not-for-profit financial cooperative that serves natural person credit unions nationally.  Guided by a volunteer board of directors, VolCorp was organized for the express purpose of providing low-cost financial services and competitive investment and lending rates to our member/owners.

About Member Service Solutions, LLC

Member Service Solutions, LLC is a respected provider of insurance and financial solutions for credit unions and financial institutions.  Additional information is available at www.cumobileapps.com and www.memberservicesolutions.com, or by calling (800) 537-9035, Ext. 105.

Among the nationally top-ranked credit unions named were Enrichment Federal Credit Union, Oak Ridge, TN; Gulf Coast Educators Federal Credit Union, Pasadena, TX; Police and Fire Federal Credit Union, Philadelphia, PA.; and First Financial Credit Union, Skokie, IL, all of whom successfully launched their high-performance mobile apps within the previous year.

CU Mobile Apps managing partners Rick Hargis and Tom Gray were surprised and gratified to learn of NerdWallet’s published findings, and to discover that four of their clients were included in this top-ranked list.

“We knew we had a robust product, but it feels great to have that opinion confirmed by independent consumer advocates and distinguished experts in the financial field,” said Hargis.   “Hopefully our other 40+ credit unions clients are sharing the same experience as the four that were ranked.”

“Our apps were developed by credit unions for credits unions and their members,” added Gray.  “Recognition by NerdWallet is evidence that this strategy is proving itself to be smart and effective.”

Laura Edgar, Content & Media Manager for NerdWallet, explained why her group developed the list of credit unions that use noteworthy high-tech mobile apps.  “Part of what we’ve tried to do at NerdWallet is educate people about credit unions as an alternative. A lot of our readers are younger—in their 20’s or 30’s—and many of them just don’t know that credit unions are often as tech-savvy as banks are; so it’s very exciting for us to be able to bring this kind of information to light and let them know they can bank on their smart phone if they have an account at a credit union.”

Her list focused on apps that went above and beyond the basic capabilities found in most mobile banking apps, such as finding ATMs, checking your account balance, and transferring funds.

“We particularly liked the listed apps that let you look at a credit union’s news page or get linked up with their Facebook account; we thought that was very much in the spirit of what credit unions do, connecting you with the community and making it easier to see what’s going on and to get information concerning new promotions. We thought that was really exciting; a lot of bank apps don’t do that,” observed Edgar. “The social features particularly stood out for me.”

Looking ahead, she predicts a continuing tendency of credit unions to embrace high-tech advances.  “There seems to be a trend. Five years ago I didn’t see anything like this—and now it’s just exploding!  So I expect to see more of it in the next couple of years.”

Her predictions mirror the evidence CU Mobile Apps is already seeing: Their versatile app has been a big hit with credit unions and their members, and continues to be in demand. Gray reports that more than 40 credit unions have embraced the CU mobile app in the last 14 months since it became available, and more than 100 additional credit unions are in the development pipeline, pending approval.

“ The product’s unique AppEngine platform works with all Apple and Android devices  as well as Amazon’s Kindle Fire, and its future-forward design allows it to seamlessly accept and integrate newer technologies as they become available, adding to its broad appeal.  It will only get better with continued use and development,” says Gray.

CU Mobile Apps is available through Member Service Solutions, LLC, a respected provider of insurance and financial solutions for credit unions and financial institutions. Additional information is available at www.cumobileapps.com and www.memberservicesolutions.com , or by calling (800) 537-9035, Ext. 105.

CU*Answers, one of the nation’s leading credit union service organizations (CUSOs), will partner with Tennessee-based CU Mobile Apps, a rapidly-growing provider of progressive mobile banking solutions, in order to expand the scope of benefits offered to its credit union member/owners, CU*Answers CEO Randy Karnes announced today.

“Identifying resource providers that will be most helpful to our member credit unions is a vital part of our mission at CU*Answers,” said Karnes. “After careful research it was clear to us that CU Mobile Apps had the most to offer our members in terms of a worthwhile product and conscientious service to support it.”

In these days when more and more credit unions are recognizing the need to respond to their members’ demands by providing mobile banking solutions, CU Mobile Apps is the next logical addition to It’s Me 247, our online and mobile banking suite, said Laura Welch-Vilker, VP of Client Services and Education for CU*Answers.

“After surveying our clients, we found that their overwhelming preference was CU Mobile Apps,” noted Welch-Vilker. “Respondents feature choices, as well as their choice of provider, pointed indisputably to CU Mobile Apps.”

CU Mobile Apps is the most recent product offered by Member Service Solutions, LLC, a provider of insurance and financial solutions for credit unions and financial institutions. In recent months, the groundbreaking financial app for smartphone users has been garnering increased member satisfaction for a growing number of credit union subscribers to the service, reports MSS owner-partner Rick Hargis, himself a key organizer of multiple CUSO’s across the nation.

The product’s unique “App Engine” platform works with both iPhones and Android devices, including iPod Touch and iPad, as well as Android Mobile, Android Tablet, and Kindle Fire devices.  Its future-forward design allows it to seamlessly accept and integrate newer technologies as they become available, without costly, inconvenient restructuring/redesign delays—and without additional subscription charges.

“In the final analysis, partnering with CU Mobile Apps was an easy choice,” concluded Karnes. “It offers our credit unions a more robust solution and a competitive edge that’s increasingly essential for financial institutions in challenging economic times.”

To learn more about CU Mobile Apps, visit www.cumobileapps.com or call (800) 537-9035 extension 105.

About CU*Answers

CU*Answers offers expertise in implementing technical solutions to operational needs, and is a leader in helping credit unions form strategic alliances and partnerships. CU*Answers provides a wide variety of services for credit unions including its flagship CU*BASE processing system (online and in-house) and Internet development services featuring It’s Me 247 online and mobile banking. Additional services include web development, network design and security, and image check processing. Founded 40+ years ago, CU*Answers is a 100% credit union-owned CUSO providing services to credit unions representing nearly 1.5 million members and $12.4 billion in credit union assets. For more information, visit www.cuanswers.com.

The CU Mobile Apps product and its unique “App Engine” platform—originally made available to its credit union clients by Member Service Solutions, LLC (MSS)—has already been enthusiastically adopted by smartphone users, and is currently functional on their iPhone, iPod Touch, iPad, and Android phone and tablet devices, as well.

Because the lightweight and roughly pocket-sized Kindle Fire, an Amazon product, is so conveniently portable, it is anticipated that a significant number of the 5 million new Kindle Fires purchasers will rely on it—and its credit union app—for all their mobile banking needs, predicts MSS partner Tom Gray, a trainer, consultant, and creator of tailored profitability solutions for client companies nationwide.

“More and more credit unions are thus recognizing the value of sending push messages and member notifications as well as using the app as a banking tool,” Gray pointed out. “CU Mobile Apps clients are increasingly taking advantage of this exclusive capability.”

The five groundbreaking credit unions whose apps may currently be quickly and conveniently downloaded from the Amazon marketplace are Skokie, Illinois-based First Financial Credit Union, with 8,600 members; Portsmouth, Virginia-based Guardian Federal Credit Union, with 7,000 members; Oak Ridge, Tennessee-based Enrichment Federal Credit Union, with 38,000 members; Pasadena, Texas-based Gulf Coast Educators Federal Credit Union, with 42,000 members; and Philadelphia-based Police and Fire Federal Credit Union, with 198,000 members,

As promised during its introduction, the original CU Mobile Apps product was designed to seamlessly accept and integrate newer technologies as they become available, said Rick Hargis, MSS owner/partner. “We are now making good on our early promise to deliver new technologies at no additional subscription charge—and with no additional costly and inconvenient restructuring or redesign delays for our existing customers.”

CU Mobile Apps is the most recent product offered by Member Service Solutions, LLC, a respected provider of insurance and financial solutions for credit unions and financial institutions. Their headquarters is located in Franklin, Tennessee. Additional information about the app and its accessibility through Kindle Fire devices is available at www.cumobileapps.com and www.memberservicesolutions.com , or by calling (800) 537-9035, Ext. 105.