FPS GOLD Core Banking

Overall: CIM Gold helps us to run daily reports, work daily return reports, submit eACH orginination batches for our clients, look up information related to clients and their relationships as a whole with our bank. It also allows us to target potential clients by having Gold Writer reports created an narrow down a specific target clientele we can target a specific banking product to. An example of this, we decided to push our mobile deposit product on our APP. We ran goldwriters to extract who our online clients are who are signed up but had not used mobile deposit. Then we cleaned up the list and narrowed down even further for marketing budget purposes till we felt good about what we had. We mailed out around 1000 $5 checks to these folks encouraging and incentivizing them to use mobile deposit. We had a 20%+ rate of return which is incredible for our bank!! We are still using this as a way to promote mobile deposit at the personal banker/new account offices with $5 checks to encourage folks to sign up. This is just one example of how CIM Gold has helped us to build deeper relationships with our clients.

Pros: Our f/I has used FPS as our core for 24+ years. I can say I have been with our f/I 21 years and been through a few versions of CIM. CIM GOLD is by far the best version produced! I feel it is user friendly and you can find information easily and multiple ways. The enhanced interface and tiles are two of my favorite features. Speed keys on the CIM side make routine searches even easier as they take you right to the place you need to go without having to start somewhere else. There is a ton of functionality and we are always learning to use new features or look at new reports. We have also helped FPS to develop and test features and products as well.

Cons: There are not many cons from my perspective. As the Operations Manager, I use CIM extensively for deposit accounts and information related to our clients. I have very limited knowledge of the loan side. The biggest frustration we have had recently is losing internet service and CIM hiccups - for lack of a better explanation- [especially a technical one I can't even begin to give :) ] when CIM hiccups, it closes out and you have to reopen. This is not the end of the world by any means but is frustrating and for us, this is just part of the rural community we support.

Reasons for Choosing FPS GOLD Core Banking: I would say we chose CIM GOld over the alternative because FPS GOLD was a smaller company and could relate to our small community bank. I think when our contract is renegotiated every few years, even though we have both grown, we have grown together and we know one another. We work with the same folks and rarely get someone on the phone we don't know. We have built a relationship on mutual trust and been able to keep the relationship strong and growing by being able to be honest when we are frustrated and celebrate successes as they happen. Knowing who you are doing business with is a huge thing for us. We like to know our processor and have them know and understand what we are looking for and why.

Pros: FPS Gold as a core processor offers a lot of great features, especially compared to legacy processors. The customer support team is very knowledgeable and helpful.

Cons: Though this product is very feature rich, many times it is very difficult to find the information I am looking for as information is split between a lot of different screens. I also feel like the teller interface is difficult to use and should be updated.

Overall: System is easy to navigate but can still use some upgrades in the Platform area.

Pros: F1 help - most answers can be found here

Cons: Platform - outdated and not user friendly.

Reasons for Choosing FPS GOLD Core Banking: Chose to stay with CIM GOLD due to company's focus on customer service which is in line with our focus. FPS employees have been available at any given time we've needed them. You can't find that kind of service from a Core these days.