About CU Services, Inc.
CU Services, Inc. is the wholly owned subsidiary of the Tennessee Credit Union league whose purpose is to help position Tennessee credit unions to compete more effectively by leveraging the collective buying power of the Tennessee credit union market and providing access to high-quality products and services through select business partners and endorsed vendors.
ATM Surcharge-Free Network
Membership in CO-OP Network entitles credit-union-cardholder access to 25,000 surcharge-free ATMs nationwide, including 6,000 that accept deposits. CO-OP Network grants cardholders access to surcharge-free ATMs virtually anywhere in the country and, through links to almost every national and regional network, they’ll actually have access to more than 800,000 ATMs worldwide. Through CO-OP Network, Tennessee credit unions have an opportunity to build a state-wide, credit union owned, surcharge-free network that eliminates many of the hassles that accompany the administration of local surcharge-free networks.
Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org
David Griffiths, Vice President CUSI/Chief Revenue Officer, TCUL
CO-OP Debit Processing
As the nation’s largest credit union owned and operated EFT network and processor, CO-OP has developed a leading-edge signature and PIN debit processing platform just for credit unions. Coupled with their comprehensive offering of Card Services products, your credit union will have everything it needs to develop a robust debit program.
Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org
David Griffiths, Vice President CUSI/Chief Revenue Officer, TCUL
CO-OP ATM Processing
Meet member expectations, cope with new technology and keep up with regulations without investing in products you’ll have to staff and maintain yourself. CO-OP ATM Processing takes care of tasks that take up too much of your time, energy and money so you can take care of your members – and grow your business. You’ll get everything you need to run an economical, reliable, leading-edge ATM program at maximum efficiency.
Criss Browning, Director, Business Development, TCUL
cbrowning@yourleague.org
David Griffiths, Vice President CUSI/Chief Revenue Officer, TCUL
Prepaid Reloadable Debit Cards
Through the CUMONEY program, prepaid reloadable debit cards carry the VISA logo on the front of the card and cardholders can add value to the card at anytime. In addition to the 20 million VISA locations worldwide, the reloadable cards also work at ATMs and merchants anywhere you see the Plus or Interlink (pinned based pos) networks. Under this program the credit union has no liability and no fraud exposure. The card can be branded with the credit union logo. Even if the credit union does not offer share drafts, you can offer your members CUMONEY. It is also a good alternative for members that do not qualify for a debit card.
Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org
TravelMoney Card
The solution to your Members’ Travel Needs As an agent program, LSC has set all the fees on the card and will assume all the fraud risk associated with the program. There is no credit union liability and no credit union fraud exposure. With the Visa TravelMoney Program, your credit union will be able to earn additional revenue by charging a retail fee for issuing the card. Custom programs are also available where your credit union would take on the fraud risk, determine any fees to charge your members and earn the interchange income.
Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org
Visa Gift Cards
Non-reloadable Visa gift cards are a great gift idea for graduations, birthdays and around the holiday season and can be used at millions of Visa merchants worldwide. The instant issue Visa Gift Card Program has a minimum of paperwork, no one-time start up costs and no monthly costs to your credit union. Credit unions can order as few as 25 cards and mark-up the fee to generate income for the credit union when members purchase a card. Cards are shipped to the credit union inactive and have a two-year expiration date on them. When a member purchases a card, you simply go to a secured internet site and activate the card by loading a dollar value of the card purchased. Members can start using the card within a 24-hour time period, and your corporate account will be settled the following day for that dollar amount. No accounting entries to worry about!
Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org
Credit/Debit Card Services
The National Apollo Program is a credit card program designed for smaller credit unions ($1 – $10 million in assets) that will issue at least 50 cards. This program is serviced through the ICUL Service Corporation, a subsidiary of the Illinois Credit Union League. Apollo offers all the advantages of VISA/MasterCard: convenience, worldwide acceptance, and economic rewards to the issuing credit union. ICUL Service Corporation provides complete back-office processing service. Additionally, the cuCASH and cuCHECK programs provide a cost-effective way for smaller credit unions to offer debit cards priced on a per account per month basis – not on the number of transactions (with no minimum processing).
Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org
Fidelity National Information Services offers a turnkey solution to credit card processing with availability of all MasterCard and Visa products. FIS handles all back office functions, including accounting, security services, chargebacks and customer service. Credit unions can offer easy unsecured credit to their members while increasing member convenience and credit union profitability.
Through the Self-Administered Program, larger credit unions can handle their own back office functions with FIS providing training and technical support. With Internal Credit Card programs, credit unions perform their own credit card data processing in-house with support from FIS.
Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org
Cloud-Based Risk Management and IT Security Compliance: IT Governance, Risk and Compliance Software; Information Security Services
TraceSecurity is a leading provider of IT security compliance, risk, and audit management solutions. A CUNA Strategic Services partner since 2006, the company helps credit unions small and large achieve, maintain and demonstrate IT security compliance, while significantly improving their security posture. TraceSecurity delivers its solutions to credit unions through an integrated Software-as-a-Service (SaaS) platform backed by expert professional services.
Learn more…Bank Secrecy Act/Anti-Money Laundering and Fraud Detection Software
Verafin is a North American leader in anti-money laundering and fraud detection solutions for financial institutions. Its behavior-based software helps credit unions comply with the Bank Secrecy Act, USA PATRIOT Act, and FACTA regulations, while also helping to protect against fraud. Verafin’s software supports a consolidated approach to fraud and AML (FRAML) through a single, easy-to-use solution. That’s why more than 1,300 financial institutions operating on more than 65 core processing systems chose Verafin’s solution to stay a step ahead of regulations and financial criminals.
65% of credit unions evaluate which risks to assume and how to finance them on an annual basis.
We want 100% of credit unions to take this approach, and we’re here to help. You have a variety of risk management tools at your disposal, including expert recommendations and assistance from CUNA Mutual Group seasoned professionals.
With our services you can:
- Identify and manage exposure to unforeseen risks
- Learn about the latest risk threats
- Better control your total cost of risk
| Bond | Business Auto |
| Collateral Protection | Cyber Solutions |
| Management and Professional Liability | Property and Business Liability |
| Plastic Card | Workers Compensation |
HR Performance Solutions
HR Performance Solutions was founded in 1989 as a provider of practical, effective, and affordable HR solutions and services. These solutions and services include automated applications for employee performance management (Performance Pro), salary administration (Compease), HR compliance, and consulting projects. Their solutions are designed by human resource professionals with decades of experience to be secure, effective, flexible an easy to use.Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org
David Griffiths, Vice President CUSI/Chief Revenue Officer, TCUL
CUNA Mutual Group Investment Products
CUNA Mutual’s investment products include institutional investments, member investments, and brokerage services.
| Annuities | Brokerage Services |
| CUNA Mutual Fiduciary Consultants | Commercial Mortgage Loans |
| MEMBERS Capital Advisors |
CUNA Mutual Group Executive Benefits
CUNA Mutual’s Executive Benefits program can help you attract and retain top management talent to help your credit union meet its strategic goals.
| Executive Benefits | Total Benefits Pre-Funding |
| Charitable Donation Account |
CO-OP Member Center
Your members look to you for 24/7 account access, high-quality personalized attention, and quick and efficient lending services. CO-OP Member Center delivers a superior, flexible call center solution for member services and loan services, including by-phone, Internet and indirect lending. Without additional staffing or operational costs, CO-OP Member Center helps you retain members, strengthen lending operations, and grow your revenue.
Criss Browning, Director, Business Development, TCUL
cbrowning@yourleague.org
David Griffiths, Vice President CUSI/Chief Revenue Officer, TCUL
CUNA Mutual Group Lending Products
CUNA Mutual Group’s lending products help credit unions build better lending programs. Learn more about the several products offered below.
Member Business Services Through a Referral Program: Business lending, health and benefit insurance, merchant processing, payroll services, data storage, and website design, development and hosting.
Newtek Business Services Corp (NASDAQ: NEWT) provides services to more than 100,000 business accounts in all 50 states. CUNA Strategic Service’s alliance with Newtek began in February 2003. Newtek is a solutions provider to small and medium sized business owners through their website thesba.com. The website is a portal for small-business owners who desire market data, intelligence, advice and services.
Learn more…
CO-OP Mobile
Now your members can gain real-time access to their account balances, make transfers, and find CO-OP Network ATMs and CO-OP Shared Branching locations rights from their mobile phone.
Unlike competitors’ mobile banking platforms, CO-OP Mobile is integrated into our Next Generation Network (NGN) platform and has been developed to require minimal or no credit union capital investment. CO-OP Mobile is fully streamlined and allows your members to easily enroll for mobile banking, register their supported mobile device, and download CO-OP’s mobile banking application.
Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org
David Griffiths, Vice President CUSI/Chief Revenue Officer, TCUL
CO-OP My Deposit
CO-OP My Deposit, with check imaging technology, gives members a credit union “branch” right in their own homes or small businesses! Members can make deposits online simply by scanning and uploading their checks via your credit union Web site, making it easier for them to do business with you. You’ll strengthen your relationship with your members, bringing fast, accurate, anytime deposit services right to their computers.
Criss Browning, Director, Business Development, TCUL
cbrowning@yourleague.org
David Griffiths, Vice President CUSI/Chief Revenue Officer, TCUL
POPi/o video banking offers highly engaging, branch-like experiences all from the comfort of your members’ mobile devices. The solution allows staff to interact with members to exchange documents, including photo identification, review documents, and provide signatures to authorize new accounts, new loans, and address other urgent account needs. Personalized video conversations, coupled with the ability to complete critical processes, enable your staff to leverage what makes you unique and can differentiate your credit union in the marketplace.
For more information contact David Griffiths
Bank Secrecy Act/Anti-Money Laundering and Fraud Detection Software
Verafin is a North American leader in anti-money laundering and fraud detection solutions for financial institutions. Its behavior-based software helps credit unions comply with the Bank Secrecy Act, USA PATRIOT Act, and FACTA regulations, while also helping to protect against fraud. Verafin’s software supports a consolidated approach to fraud and AML (FRAML) through a single, easy-to-use solution. That’s why more than 1,300 financial institutions operating on more than 65 core processing systems chose Verafin’s solution to stay a step ahead of regulations and financial criminals.
Overdraft Privilege Program
Overdraft Privilege is a service that can help members who overdraw their transaction account. Overdraft privilege is subject to preset dollar limits and certain other conditions. Your credit union continues to collect the customary fee for each overdraft item, while protecting your members from the credit bureau problems, merchant fees, and potential embarrassment associated with returned checks and ACH items.
Importantly, by providing a safety net for your members, your credit union may also save them from having to seek extra funds from friends, family, or not so benign sources. Overdraft privilege offers your members overdraft coverage without a binding obligation between the credit union and the member. Your organization retains all rights and privileges to pay or return checks.
Benefits:
- Easy implementation
- Strengthens member satisfaction
- Increases fee income to credit union
Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org
David Griffiths, Vice President CUSI/Chief Revenue Officer, TCUL
CUNA Mutual Group Retirement Solutions
401k and retirement plans help guide your employees to a successful retirement. Learn more about our planning tool, RetireOnTarget®, and our various programs.
| 401K Plans | Employee Group Benefits |
| Pension Plans |
CO-OP Shared Branching Program
Few credit unions, regardless of size, have the resources necessary to open and operate enough of their own branch offices to adequately serve their current members and potential members. The CO-OP Shared Branching Program is designed to overcome this by developing a nationwide network of shared branches to provide service more efficiently to all credit unions members. The shared branch locations are electronically linked allowing members of participating credit unions to use any shared branch location in the network to conduct business as if they were at a branch of their own credit union. A credit union with an under-utilized branch office may open one or all of its locations as an “Outlet” to serve members of participating credit unions while reducing their overhead costs of operations.
Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org
Bank Secrecy Act/Anti-Money Laundering and Fraud Detection Software
Verafin is a North American leader in anti-money laundering and fraud detection solutions for financial institutions. Its behavior-based software helps credit unions comply with the Bank Secrecy Act, USA PATRIOT Act, and FACTA regulations, while also helping to protect against fraud. Verafin’s software supports a consolidated approach to fraud and AML (FRAML) through a single, easy-to-use solution. That’s why more than 1,300 financial institutions operating on more than 65 core processing systems chose Verafin’s solution to stay a step ahead of regulations and financial criminals.
TruStage Insurance Program
The TruStage Program (formerly MemberCONNECT) helps credit unions connect their members directly to TruStage insurance products.
| AD&D Insurance | Auto & Home Insurance |
| Health Insurance | Life Insurance |
