Bank on Us for Time and Term Deposits
Easily configure, launch, and manage both fixed-rate certificates of deposit and dynamically priced floating-rate accounts with automated accrual and maturity processing.
The Modular Foundation for Service Delivery
Access to fully compliant, modular, core banking services, allowing institutions to launch products rapidly without managing complex backend infrastructure.
Flexible Term Deposit Configuration
Our platform provides granular control over interest rate parameters, ensuring accurate compliance and allowing institutions to offer highly customized, tiered deposit products to retail and commercial clients.
Fixed & Floating Rate Engine
Define and automate interest calculations for both fixed-rate (term) and floating-rate (indexed to market rates) products within the core ledger.
Tiered Rate Structures
Configure complex tiered interest rates based on deposit size, customer segment, or predefined maturity schedules to incentivize specific behaviors.
Digital Issuance and Renewals
Enable customers to digitally open, manage, liquidate, or auto-renew term deposits through seamless integration with mobile and web platforms.
Compliance, Disclosure, and Interest Accuracy
Maintain full regulatory confidence by ensuring all interest accruals, withdrawal penalties, and maturity terms are calculated accurately and disclosed clearly to the customer.
Accurate Interest Accrual
Ensure precise, time-stamped interest calculations based on defined methods (e.g., 30/360, Actual/365) to meet both internal standards and regulatory requirements.
Automated Penalty Calculation
Automatically calculate early withdrawal penalties or fee charges based on pre-set rules, ensuring compliant handling of premature liquidations.
Regulatory Disclosure Generation
Generate and track regulatory disclosures (e.g., Truth in Savings Act) detailing APY, maturity dates, and withdrawal restrictions during origination.
Lifecycle Servicing and Liquidity Forecasting
Automate complex maturity events, handle mid-term transfers, and gain critical insights into portfolio runoff and liquidity needs for enhanced treasury management.
Automated Maturity Processing
Automate notifications, renewal processing, and payout disbursements upon reaching the specified term or maturity date.
Liquidity Forecasting Dashboard
Provide treasury teams with a real-time view of future liability schedules and deposit runoff based on upcoming maturity dates.
Mid-Term Adjustment Engine
Process mid-term adjustments, such as penalty-free withdrawals, partial liquidations, or principal increases, while maintaining perfect ledger integrity.