Office Automation


At United Solutions Company we have our finger to the pulse of credit unions. We understand that COLLECTIONS is a vital aspect and retaining staff for this area can be stressful. More than ever, credit unions need a robust, flexible, cost-effective solution for managing their collection efforts. At United Solutions Company feel that this should be an aspect of the core system and not a third party bolt on which protects your software investment.

Since 1999, United Solutions Company (USC), Tallahassee, Florida, has provided a variety of collection services specifically for credit unions. Our staff has extensive collections and credit union experience and is managed by a veteran professional in the credit union industry. Our staff is bonded and insured through CUNA Mutual Insurance Society (CUMIS).


  • Charge-off Loan Recovery
  • Daily Collection Activity
  • Skip Tracing Service
  • Courtesy Pay - NSF Recovery
  • Consultation and Training

Collecting on delinquent loans and negative accounts is a critical, time- sensitive activity for every credit union. It’s not software, it’s STAFFING! Collectors need a reliable, flexible system that integrates directly to their account processing system. Our staff trains and works with each client’s collection system. We will assist, when required, with making a secure connection to the credit union’s in-house or online member financial database that will enable our collectors to have immediate access to up-to-date member accounts.

Our Collections enables your staff to efficiently collect on loans and accounts without having to use multiple systems in order to access critical information. Collectors benefit from access to real-time information, reducing the amount of time and effort required to work their queues. A 360-degree view of the member relationship makes it easy to access the information necessary to collect on every delinquent loan and negative account. The collector can quickly view critical member details, including contact information, payment/deposit history and balance information for each delinquent loan or negative account. All of this information is arranged in flexible and customizable work queues.

Logical work flow allows collectors to record notes on collection activity and to track promises to pay and interactions with the member. Individual letters and emails can be generated from within the system using credit union-defined templates, and batch letter generation tools can be used to send letters to groups of members. Legal activity, fee tracking, bankruptcy/foreclosure and vendor tracking features are included available features.

Automation & Flexibility

Flexible grouping options make building collector queues an easy process. Loans and accounts are automatically assigned to collectors using the criteria you establish. Collectors can sort their queues instantly by many different criteria, including amount delinquent, balance and next interaction date.

Need Help Collecting?

No worries! United Solutions Company has a team of professional collectors on staff. With controlled access to your delinquent loans or negative shares, they call on your members with professional courtesy and obtain positive results! All interactions with members are documented within the ONCORE Collection system for your review. United Solutions Company can completely become your collection department or supplement your collection efforts… we are open to customize your needs!

We are licensed in the state of Florida as a Consumer Collection Agency and as such we comply with the Fair Debt Collection Practices Act and NCUA confidentiality regulations. We have retained one of the top law firms in the state of Florida to guide and review our practices and procedures and we are an active member of ACA, The Association of Credit and Collection Professionals.

Courtesy Pay

Courtesy Pay for ONCORE from United Solutions Company makes it easy to offer members the convenience of overdraft privilege. This service helps members avoid the problems of bounced checks and the high merchant fees typically incurred when available funds are insufficient.

Courtesy Pay enables your credit union to set a predefined amount to which an account can go negative and still be covered, after overdraft sources (if any) are depleted.

Courtesy Pay also can help generate non- interest fee income, while reducing the fees your member incurs. A standard fee is card signature processing and card PIN- based processing for ATM and point-of- sale withdrawals.

Your staff can use the Courtesy Pay maintenance page to actively view and work accounts based on negative balance days. Microsoft® Word templates connecting directly to the DB2 database will generate letters based on credit union- defined negative balance days. Contact management for ONCORE helps track the generation of letters and manual “critical account” activities. Pre-defined reports list the number of accounts charged when checks, ACH items or other electronic transactions take the share draft account negative. The check or item is not “bounced,” or returned, so the only fee the member incurs is from your courtesy pay service – saving them the cost and potential embarrassment of a merchant fee.

Looking to minimize the risk associated with a courtesy pay program? Courtesy Pay offers multiple ways to track and manage courtesy pay use and the status of accounts. Courtesy Pay standard reporting provides a seamless way to track overdraft occurrences initiated by share drafts or ACH items that exceed the member’s account balance plus overdraft source balances.

The integrated Courtesy Pay application builds on the online negative balance processing within ONCORE. Courtesy Pay provides overdraft privilege for share draft and ACH processing as well as debit as well as all negative balance accounts.

Courtesy Pay Benefits

  • Helps improve member service and satisfaction by offering qualified members a new means of avoiding third-party bounced check fees
  • Can increase non-interest income
  • No per-item charge from third-party vendor for amounts covered by Courtesy Pay
  • Fully integrated with Member Services for ONCORE and its contact management capabilities