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ATM Processing

The ATM Processing System delivers automated banking services to financial institution customers. Full integration with the ITI Premier system allows direct access to demand deposit and savings account balances for transaction authorization. DDA and savings balances are also available for inquiry and memoposting, including transfers between accounts.

On-Line Security Control
Security control is incorporated into ATM specifications. A log records changes made to the specifications and the individuals responsible.

ATM Services Defined By Institution
Every institution has a unique set of parameters defining automated teller services, including daily withdrawal limits for cash, credit card, and point-of-sale. In addition, one of five balance types is available for withdrawal and inquiry purposes.

Withdrawal Privileges
Withdrawal limits can be set at the institution or customer level. An institution can differentiate between "old" and "new" accounts for withdrawal privileges. Daily withdrawal limits are based on one of five balance types:

Memo Available Balance + DDA Loan Credit Limit
Memo Available Balance + DDA Loan Credit Limit + Client-Defined Margin
Memo Ledger Balance
Memo Ledger Balance + DDA Loan Credit Limit

Service Charges
ATM activity charges are computed automatically and passed to the Premier system for posting to customer accounts. Individual charges can be consolidated by day for all transaction activity and debited once as a client-defined "ATM Service Charge Description". Alternatively, charges can be posted individually per transaction to provide customers with more detail.

Bill Payment Module

The Bill Payment Module (BPM) gives customers an efficient alternative to checks and postage by automatically generating payments they authorize verbally or electronically.

BPM Benefits
The BPM system can increase funds held on deposit at a financial institution. Customers centralize their funds for payment and control, while merchants and tax agencies maintain accounts that benefit them with same day transfers and improved cash flow.

Payments made electronically can cost as little as one-third the amount of payments made by check.
BPM is a new source of revenue with automatic payment charges.
Customers appreciate the convenience BPM offers.

Bill Payment Module Features

Bill Payment Control
Automatic Service Charges
Multiple Payment Methods
Check Register
Loan Escrow Payments
Vendor Authorization and Payment Control
Account Updating During Normal Processing
Integration With Other ITI Products

Premier Messenger

Premier Messenger combines event management with immediate electronic notification so that the moment a specified account event occurs, the customer, bank staff, or both can be notified by E-mail or an online message.

Paperless Item Module

The Paperless Item Module (PIM) is a comprehensive system for managing and controlling the processing of ACH transactions via data communications or on-line input. PIM offers a complete and efficient means for an institution to become an active participant in the Automated Clearing House (ACH) System.

PIM Key Features

Provides complete reporting of paperless transactions
Generates new sources of income
Reduces operating costs
Increases accuracy and efficiency
Provides flexible billing
Allows automatic reorigination of returned items
Allows automatic settlement
Verifies authorized pre-notification transactions
Establishes daily and file maximum credit limit controls
Produces transaction notices and statements
Interfaces with other ITI software systems

Premierecom

Today's consumers want to perform their banking functions when it is most convenient for them – while at home or when they travel, 24 hours a day, seven days a week. The power of the Internet and Premierecom makes it easy for you to meet these demands.

Banking Comes Home
Premierecom establishes a financial portal, allowing your current and potential customers to open new accounts, check on existing accounts, and explore new service offerings.

Real-Time Transactions
Account Inquiry
Statement Retrieval
On-line Funds Transfers
On-line Bill Payments
On-line Loan Payments
Image Retrieval

Security Is The Key To Success
Premierecom's unique architecture provides information in a secure real-time environment. Secure Sockets Layer (SSL), digital certificates and strong encryption along with built-in checkpoints and audit controls, combine to provide a multi-tiered security architecture to help protect your customer database from outside intrusion and fraudulent activity.

Your Corporate Image
Premierecom creates a complete and secure Web experience for your customers while enhancing your corporate image.

Enhanced Customer Relations

Premierecom builds strong customer relationships by offering customers an easy-to-use, highly functional Internet financial solution.
Premierecom is a browser based application, thus eliminating the need to distribute software to your customers.
Premierecom's product and news displays are perfect for cross-selling products and services.
Enhance customer loyalty by allowing customers to request stop pays, order checks, or request product information.
Premierecom enhances customer service by providing quick access to balance information or to aid in the research of a paid check.

Premierecorp

Premierecorp is your Internet corporate cash management solution. With Premierecorp, corporate cash managers can make immediate and accurate decisions based on real-time information.

Specifically authorized customer employees control disbursements, transfers, and payments, including ACH and internal transfers, domestic and foreign wire transfers, and tax and loan payments.

Premierecorp Key Features

Advanced Functionally – Based on permission specifications, corporate customers can approve/disapprove file and fund transfers, and perform a recap of employee activity at any time.
Transaction History Features – Premierecorp allows for additional inquires into specific fund transfers, providing a complete transaction history.
Electronic Document Management – Director Document Distribution will automatically deliver secure electronic documents to individual recipients via the Web or E-mail.
Client-Level Administration – Corporate clients that have licensed Premierecorp can authorize any number of individuals to access Premierecorp. Clients can further identify which employees can perform specific activities.
Seamless Migration – Both the business-oriented Premierecorp and ITI’s consumer-oriented Internet banking solution, Premierecom, can share the same hardware configuration while operating independently.
Security is the Key to Success – Premierecorp employs a multi-tiered security architecture to help protect your corporate client database from outside intrusion and fraudulent activity.

Premiereport

Premiereport is middleware that runs on any application server that collects information from the Internet. By itself, Premiereport can collect any kind of information using a standard or customized HTML document (standard files are included in the Premiereport package). Premiereport can also collect information from an internal source such as ITI's Premierecom.

With its versatile capacity for gathering data from a variety of sources, Premiereport is an excellent foundation for launching an Internet strategy that suits the needs of your institution and your customers.

TeleBanc

TeleBanc provides a resourceful tool to any institution by allowing customers to verify current account balances, transfer funds, request transaction information, inquire into current interest rates, order checks, place stop payments and leave messages for their banking representatives from any touch tone telephone.