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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.


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ATM Surcharge-Free Network

co-op-financial-services-150x160Membership 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

Anthony Mendez, Sales
909-753-1236
anthony.mendez@co-opfs.org

CO-OP Debit Processing

co-op-financial-services-150x160As 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.

David Newman, Regional Sales Manager
800-782-9042, ext. 6144
972-467-8726 cell
david.newman@co-opfs.org



CO-OP ATM Processing

co-op-financial-services-150x160Meet 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.

David Newman, Regional Sales Manager
800-782-9042, ext. 6144
972-467-8726 cell
david.newman@co-opfs.org

Construction Consultants

construction-consultants-logoConstruction Consultants is a full service design and build firm based in Chattanooga, TN. Their goal is to the take the creative ideas of their clients, combine them with their extensive industry knowledge, and create a building that both can be proud of. They strive to do all this while developing a lasting personal relationship with their clients.

Barry Gilley, Construction Consultants
1416 Fort St., Chattanooga, TN 37402
423-265-4131
barry@design-and-build.com

Prepaid Reloadable Debit Cards


lsc-150x82Through 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

lsc-150x82The 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

lsc-150x82Non-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

lsc-150x82The 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-Inc-logo-200x82Fidelity 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

Shared Compliance Program
(through Credit Union Resources, Inc. )


curi_logo_200x50-outlineHired, trained and certified, Credit Union Resources; Shared Compliance Specialists divide their time among assigned credit unions. Services provided include the following:

SHARED COMPLIANCE RESOURCES

  • Development, management and maintenance of an effective compliance program
  • Providing a risk assessment of existing compliance system
  • Monitoring and analyzing new and revised laws and regulations
  • Training staff and management on current and crucial regulatory issues

For more information, visit www.curesources.coop or contact:

Chad Stanislav, VP Financial & Technology Resources
800-442-5762, Ext. 6461
cstanislav@curesources.coop



Managed IT Security Services, Email Security, and Cloud-Based Email

BAE_logo 
BAE Systems (formerly SilverSky) is the expert provider of cloud security solutions. We deliver the industry’s only advanced security-as-a-service platform from the cloud, dramatically simplifying how growth-minded companies secure their most important information.

Learn more…

Cloud-Based Risk Management and IT Security Compliance: IT Governance, Risk and Compliance Software; Information Security Services

tracesecurity_logo 

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


verafinlogo_web   
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.

Learn more…

65% of credit unions evaluate which risks to assume and how to finance them on an annual basis.

cuna-mutual-group-220x118We 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
BondBusiness Auto
Collateral ProtectionCyber Solutions
Management and Professional LiabilityProperty and Business Liability
 Plastic Card Workers Compensation

SIGNiX Digital Signatures

signix-logoYou and your members can sign business documents, contracts and forms quickly and securely. SIGNiX is a highly cost-effective service that saves time and money and dramatically reduces the effort of getting contracts legally executed. Fully Compliant with the Federal ESIGN Act , as well as UETA, the law in effect in nearly all states, SIGNiX is easy-to-use while providing the most secure and trusted digital signature solution in the marketplace.

Brian Winsett, Business Development Executive
1203 Carter Street, Chattanooga, TN 37402
423-362-8223, cell 615-438-8335
bwinsett@signix.com

Human Resource Consulting

SESCOSESCO is one of the nation’s oldest and largest management consulting firms that assists credit unions with human resource and personnel issues and keeping up with the most recent changes in employment related laws. For one low monthly fee, credit unions can have access to unlimited telephone, fax, and research consultation with Human Resource experts. On-site visits are also available for review, analysis and professional recommendations on personnel systems, policies, work rules, employee handbooks and compliance with state and federal employment laws. SESCO provides a free monthly HR publication to League member credit unions.

Bill Ford, President/CEO
423-764-4127
bill@sescomgmt.com

CUNA Mutual Group Investment Products


cuna-mutual-group-220x118CUNA Mutual’s investment products include institutional investments, member investments, and brokerage services.

AnnuitiesBrokerage Services
CUNA Mutual Fiduciary ConsultantsCommercial Mortgage Loans
MEMBERS Capital Advisors

CUNA Mutual Group Executive Benefits


cuna-mutual-group-220x118 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 BenefitsTotal Benefits Pre-Funding
Charitable Donation Account

CO-OP Member Center

co-op-financial-services-150x160Your 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.

Jon Knoll, National Call Center Sales Mgr, CO-OP
888-869-5552, option 1, ext. 5629
jon.knoll@co-opmc.org



CUNA Mutual Group Lending Products

cuna-mutual-group-220x118CUNA Mutual Group’s lending products help credit unions build better lending programs. Learn more about the several products offered below.

Credit InsuranceDebt Protection
Guaranteed Asset ProtectionLender Development Program
Loan Generation MarketingLOANLINER Document Solutions
loanliner.com Online LendingMortgage Insurance
Mortgage Payment ProtectionMechanical Repair Coverage


Private Student Loan and Refinance Programs: Private Student Loans, Student Loan Refinance, and Member Referral Program

Print LendKey is a cloud-based technology company that provides the essential infrastructure for any party to quickly, securely, efficiently, and profitably lend to anyone else. Its platform allows credit unions to affordably set up a full-scale, fully compliant lending operation within weeks, as well as tap into a community of like-minded lenders.

Learn more…

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.


NewtekBSCorp 

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…

TurboTax

The Love My Credit Union Rewards TurboTax program offers credit union members great discounts on TurboTax products.

You don’t need to be a tax expert to get your taxes done right.

Love My CU Rewards Turbo TaxTurboTax® translates taxes into easy questions about your life and puts everything in the right forms for you.

  • Maximum refund guaranteed
  • 100% accurate calculations guaranteed
  • Audit support guaranteed

Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org

Visit www.lovemycreditunion.org (CU Support Site)
800-435-2824, Ext. 801

 

Sprint Program

Love My CU Rewards Sprint Savings imageOf the three programs being offered through the Invest in America program, Sprint offers the greatest income opportunity to credit unions. Member benefits are available to new and/or existing Sprint/Nextel customers and include: 10% discount on most monthly plans; free activation on new lines and upgrade fees; equipment discounts; and, 20% off accessories.

The program requires only minor marketing effort.

Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org

Visit www.lovemycreditunion.org (CU Support Site)
800-435-2824, Ext. 801

 

Love To Shop Program

love-my-cu-rewardsThis program offers discounts to credit union members on “small ticket” products and services from major, well-known companies, such as: Costco; DIRECTV; FTD Flowers; ADT;; and, Allied Movers. More businesses are being added to the list on a regular basis. members are encouraged to use their credit union debit and credit cards to purchase these items.

Benefits:

  • Increased fee income from the marketing incentive pool
  • Provide added-value to credit union membership
  • Free marketing materials

Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org

Visit www.lovemycreditunion.org (CU Support Site)
800-435-2824, Ext. 801

 

CU Road Pal

CU-Road-PalCU Road Pal is a new Invest in America program created exclusively for credit union members to help them save on a wide range of roadside assistance services and other travel benefits, including: emergency roadside assistance; emergency tow and/or extrication/ emergency lockout; fuel delivery service; flat tire repair reimbursement; emergency ambulance expense; emergency travel expense; traffic court defense; and, legal fees related to traffic accident.

Benefits:

  • Provides road protection and savings for your members
  • Fee income for credit union
  • FREE turnkey marketing materials
  • Credit union can offer as an incentive when closing auto loans or when members use your core products and services

Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org

Visit www.lovemycreditunion.org (CU Support Site)
800-435-2824, Ext. 801

Dr. Connection Benefits

dr-connection-benefitsDr. Connection Benefits is a Telemedicine Services Company. Telemedicine comprises a national network of U.S. board-certified physicians who use electronic health records, telephone consultations and online video consultations to diagnose, recommend treatment and write short term, non-DEA controlled prescriptions, when appropriate.

Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org


Robert Flowers, Sr., President/CEO
615-771-1740
rflowers@myimpactadvantage.com



Financial Counseling and Education

GreenPath_web 

GreenPath partners with more than 400 credit unions to empower staff and members to lead financially healthy lives. Through GreenPath, credit unions can offer face-to-face and phone-based counseling:

  • Free debt counseling and coaching sessions that include a customized budget and action plan
  • Full-service debt management plans
  • Housing counseling by HUD-approved experts on default and delinquency, pre-purchase, home-equity loans and reverse mortgages
  • In-depth credit report reviews
  • BudgetSmart software that helps members manage their money more effectively
  • Financial education workshops and tools
Learn more…

CO-OP Mobile

co-op-financial-services-150x160Now 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.

Linda Laux, Reg. Sales Manager
CO-OP Financial Services
800-782-9042, Ext. 3464
linda.laux@co-opfs.org



CO-OP My Deposit

co-op-financial-services-150x160CO-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.

Korine Patterson, National Sales Acct Executive
CO-OP Financial Services
800-782-9042, ext. 2502
korine.patterson@co-opfs.org

 



CUMobileAppsLogoWeb-300x71lsc-150x82

Providing credit union access to your members via their mobile devices is becoming increasingly more important, both for member retention and attracting new members. It is no longer regarded as a competitive edge to offer mobile, but truly a sustainable advantage. Members not only want to view their account balances using their iPhone, iPad, Droid or Kindle Fire, they want to see special offers, request loan information or apply online, along with check deposit capabilities. CU Mobile Apps can do that and more!

Mobile Access:  Put a Branch in Every Member’s Hands.

Our Mobile Application creates the connectivity to all the major platforms: Apple, Droid, and Kindle Fire. Members can view and request information, while your credit union communicates directly back to them with free push messages, on their mobile enabled phones. CU Mobile Apps has incorporated the latest cutting edge “App Engine Technology” reinforcing the strategic placement of your credit unions app on all mobile platforms. Add the option of Remote Deposit Capture, and you truly have put a branch in every member’s hand.

Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org

Palmetto Cooperative Services

Though the trend toward electronic functions will continue, the printed word will remain essential to credit union functions and the member relationship. Palmetto Cooperative Services has continued to refine their print, mail, and fulfillment services for efficiency and effectiveness, whether it be member statements, direct mailings, or related functions.

Palmetto Cooperative Services
800-235-4290
www.palmettocoop.com



QwickRate CD Rate Finder


qwickrate-logoQwickRate is the premier online CD rate finder service. QwickRate helps credit unions earn the highest CD rates on their investments by connecting directly through the marketplace to more than 2,000 institutions nationwide. Along with higher yields, this service helps your credit union realize significant savings because you will not incur the expense of third party, rate stripping or broker fees. And, you have access to automated QwickTools ™ that add even more savings by making transactions fast, easy, and paperless.

Zoe Osborn | Account Executive
QwickRate
PH 800.285.8626, ext 4064  |  DIR 678.797.4064  |  FAX 770.427.7669 |
zoe.osborn@qwickrate.com | www.qwickrate.com



Mobile Recovery Services

agility-logo

  • Power
  • Space
  • Technology
  • Connectivity
  • Testing
  • myAgility secure online planning portal
Learn more…

Online and Mobile Banking, Bill Payment, Personal Financial Management, and Growth and Retention Services


Digital_Insight   

By applying customer insights and innovation to design its products, Digital Insight provides product and marketing solutions that help credit unions achieve higher member engagement and profitability.

Learn more…

Office supplies, furniture and workspace planning, technology, promotional products, and print services


OfficeDepotOfficeMax

Together, Office Depot and OfficeMax offer a wide variety of choices for office supplies and paper, technology products and solutions, furniture, and in-store print and document services. Customers are served through e-commerce, direct sales, catalogs, and stores.

Learn more…

Bank Secrecy Act/Anti-Money Laundering and Fraud Detection Software


verafinlogo_web 
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.

Learn more…

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
Learn more…

Larry McQuire, Regional Director, JMFA
901-412-7058
larry.mcquire@jmfa.com


Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org

CUNA Mutual Group Retirement Solutions


cuna-mutual-group-220x118 401k and retirement plans help guide your employees to a successful retirement. Learn more about our planning tool, RetireOnTarget®, and our various programs.

401K PlansEmployee Group Benefits
Pension Plans

CO-OP Shared Branching Program

co-op-shared-branch-220x118Few 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.

Matt Zumbrun, Consultant
800-572-7359, Ext. 1200
mzumbrun@yourleague.org


Criss Browning, Director, Business Development, TCUL
800-572-7359, Ext. 1251
cbrowning@yourleague.org

CU Market ResearchLeague member credit unions can have completely customized and affordable credit union member surveys and other market research projects through CU Market Research.

Products include:

  • Mail Surveys
  • Web Surveys
  • Focus Groups
  • Comment Summaries
  • Marketing Planning

Every project is built to obtain the member feedback clients need for decision-making. Every client receives a complete analysis with recommendations for change. CU Market Research consults with clients to help develop their marketing plans. A statistically valid member survey should be included as a major component of a credit union’s strategic planning process.

David Wilson
CU Market Research
423-503-3672
davidwilson@cumarketresearch.com

Managed IT Security Services, Email Security, and Cloud-Based Email

BAE_logo
BAE Systems (formerly SilverSky) is the expert provider of cloud security solutions. We deliver the industry’s only advanced security-as-a-service platform from the cloud, dramatically simplifying how growth-minded companies secure their most important information.

Learn more…

Bank Secrecy Act/Anti-Money Laundering and Fraud Detection Software

verafinlogo_web
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.

Learn more…

TruStage Insurance Program


cuna-mutual-group-220x118The TruStage Program (formerly MemberCONNECT) helps credit unions connect their members directly to TruStage insurance products.

AD&D InsuranceAuto & Home Insurance
Health InsuranceLife Insurance