Core Solutions

On average, FPS GOLD's clients grow 224% after adopting our core banking system.

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Teller and Platform

With FPS GOLD setting up a new account is easy. Whether an application is made online or in person, we walk you through the process of opening an account. Document imaging and signature capture work seamlessly with Platform, so you have everything you need at your fingertips.

And once the account is set up, it's just as simple to run transactions on it. Teller is so easy to learn, you can train tellers in less than a day. Transactions post instantly to your general ledger.

  • Both Teller and Platform are custom built. We can modify them to fit your needs.
  • You can easily enter all the details during account creation, reducing after-the-fact changes.
  • We grow with you; when you’re ready to add new products, we can add them quickly.
  • Teller and Platform support all facets of deposits—savings, checking, retirement accounts, and CDs.
  • We have a direct connection with the Federal Reserve Wire system.
  • You can quickly create and print MICR-encoded checks when you need them.

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Deposits

Checking, savings, retirement accounts, and CDs are just the beginning. With the FPS GOLD deposit system, you can also easily calculate service charges, manage safe deposit boxes, create custom letters, and more:

  • Create mobile deposits with Remote Deposit Capture.
  • Send imaged statements, either printed or electronic.
  • Easily attach imaged documents and electronic signatures to your deposit accounts.
  • Send combined statements and combined checks to an account owner with multiple accounts.
  • For commercial accounts, you can set up account analysis, sweep, and Positive Pay.
  • Positive Pay allows customers to specify which checks will be withdrawn from their account.

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Loans

FPS GOLD offers an inclusive and integrated loan servicing package for commercial, mortgage, and consumer lending. Everything is online and real-time.

  • All the information you have on a borrower (other accounts and personal information) appears in loan screens. You don't have to spend time looking for it.
  • We give you full support for construction loans and collections.
  • You can easily create and view online reports, customized to your needs.
  • Our loan origination system helps you track loans from application to closing.
  • You can create event letters for ARM adjustments, payoffs, delinquencies, and more.

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Accounting

Like everything else in the FPS GOLD core solutions, our general ledger, accounts payable, fixed assets, and payroll are fully integrated into the accounting system. This means that everything you enter in the deposit, loan, and teller systems posts instantly to the general ledger.

Our flexible reporting lets you create on-demand reports using live, real-time data, customized to your needs. With no hard closing dates, you can make back-dated or post-dated entries and pull unlimited reports at no additional cost to you.

  • Accounts payable makes it easy to track vendors, invoices, and checks paid. Easily pay vendors with ACH and create IRS reports for 1099 vendors.
  • You can track all fixed and prepaid assets for depreciation on either book or tax basis.
  • Our payroll system tracks employee earnings, deductions, and benefits on various pay cycles, including bonuses or other special pay cycles.
  • Easily create and electronically file required reports: quarterly and annual reports for federal and state taxes, year-end, and W2; Social Security Administration reports; 941 reports for FICA and Medicare.

Reporting

FPS GOLD gives you several ways to create reports quickly and cleanly from our SQL database. Robust and customizable to your needs, our tools let you view reports online whenever you need them.

  • Build ad hoc reports to gather data from loans, deposits, customer information, and the general ledger.
  • Schedule reports to automatically generate and be printed, emailed, or downloaded to a file.
  • Extract and filter data from reports or text files directly to Excel spreadsheets.
  • Search for, display, and query reports from the nightly after-hours process.

Relationship Management

With the FPS GOLD customer relationship management system, you’ll know your customer and you’ll be able to serve them better, increasing your business.

If you know your customers, you can serve them better—and increase your business. Who are your best customers? Where are your cross-selling opportunities? One click gives you all the information about a customer: phone number, address, accounts, and relationships with other customers.

  • All your customer information is integrated with the loan and deposit systems.
  • In many systems, you can have more than one instance of a person. We filter out the duplications.
  • You can grade customers, rank them, and determine your best customers or whom you can cross-sell to.