Audio Response Unit (ARU)

ARU allows credit unions the ability to provide many important services to its members 24-hours a day, seven days a week. Using a touch-tone phone, members can obtain information on their accounts, transfer and withdraw funds, and receive current rate information among other things.

Features

Provides extended hour access from any touch-tone phone.
Supports a wide array of transactions/inquires from any share, draft, or loan account.
Customized messages to the members — including office locations and hours, interest rates and special promotions — can be changed from any touch-tone phone by the credit union.

Caller Benefits

User-friendly interface to callers
Less buttons to push — single digit entries are used instead of 2 or 3 to access services or other functions
Premium sound quality

Transactions

Draft to loan/share transfer
Draft account withdrawal by check
Share to loan/share transfer
Share to draft transfer
Share account withdrawal by check
Line of credit withdrawal by check
Line of credit to draft/share transfer

Share/Draft Inquiries

Balance by specific account
Draft item inquiry
List of recent withdrawals/deposits
List of last 3 payroll deposits
ATM transactions
Current dividend
Year-to-date dividend

IRA Inquiries

IRA contributions
IRA distributions

Loan Inquiries

Loan balance by individual loan and for all loans
Line of credit available
Loan payoffs
Loan interest information
Mortgage loan balance

Bill Payment Options

Payment inquiry/total
Payment change
Payment cancellation

Enhancements

Loan-By-Phone — The member is able to apply for a loan in private using the touch-tone phone. The loan information can automatically update Loan Manager or can be processed manually the next morning.
Stop payments — The member is able to put a stop payment on a draft without a credit union employee intervening.
Third-party credit cards — The member is able to inquire on a credit card balance or make a payment by transferring funds from an account.