MISER^® delivers the ability to offer complete consumer lending products and a full array of deposit instruments around your member relationships through these capabilities:

• Variable pricing – Deliver personalized account management with automated service charge routines based on analysis of accounts, balances, relationships and other factors.
• Overdraft protection – Improve fee income, efficiencies and service with offerings that include automated and customizable “courtesy pay” programs.
• Retirement processing – Eliminate manual tasks to ensure accuracy and regulatory compliance through automated retirement distribution processing.
• Inclusive mortgage processing – Enhance service with automated functions such as a one-step payoff, loan payment spreads and escrow processing and analysis.
• Automated investor reporting – Pursue profitable secondary market opportunities with all the major national agencies.
• Comprehensive collections – Manage delinquent accounts and minimize losses across loan and deposit accounts.
• Self-service channels – Provide 24x7 real-time access to account information and transactions with seamless integration and complete channel parity.