The new CSS on-line real-time Internet banking system is designed with the latest programming methods and is fully integrated with the CompuShare core system. It employs multi-level security and encryption methodologies to insure the safety and soundness of each member's Internet session. All transactions are posted in real-time and additionally logged in a separate audit table. The on-line real-time Internet banking system will provide your credit union a complete in-house solution that is comprehensive in its functions yet is easy to operate.

Real-time home banking will afford your credit union numerous benefits over batch technology. Foremost, it will empower members with accurate balance and transaction information. By presenting up to date account information, it will raise the quality of your members Internet banking experience. Transactions and balance-based decisions will have a higher confidence level, which can only lead to increased satisfaction and higher usage. Remember, increased traffic and return visits not only drive down overall transaction cost, but also increases your home site's advertising effectiveness.

With on-line real-time home banking, operational cost benefits are imparted to your credit union. Back office work cycles requiring uploading, downloading, and balancing can be reduced or eliminated altogether. This will free valuable staff time to work on more member relation enhancing activities.

Benefits:

• Accurate balance and transaction information for the members.
• Increased quality of home banking experience.
• Higher confidence level for the members making financial decisions.
• Increase traffic and return visits.
• Increased ability to advertise Credit Union services.

Member Benefits

• Convenient and easy to use
• Real-time data reduces fraud risk
• Reduces transaction errors
• Consistent response service
• Increased confidence in service

Credit Union Benefits

• Stronger Audit Trail
• Minimizes back-office posting
• Strengthens relationship with member
• Real-time transaction monitor

Transactions

• Withdraw funds
• Transfer funds between accounts
• Apply for a loan
• View account balances
• View transaction history
• View check transactions
• Download transactions
• Change passwords
• E-Statement Option

Availability

• CompuShare 4.0
• CompuShare 5.0

Requirements

• High speed Internet connection
• New computer and network license
• Network port and cable to computer
• Authorization agreement with CSS
• On-site transaction