Audio Response

Audio Response gives your members immediate access to their accounts through a touch-tone telephone from any location, virtually 24 hours a day, 7 days a week. Members can perform account inquiries, transfers, loan payments, and advances.

Audio Response provides the following features and benefits:

Provides members with account access 24 hours a day, 7 days a week.
Allows credit union employees to concentrate on other member services.
Provides an additional cost effective member service:

National Audio Response Center (NARC) solution allows you to pay based on member usage and eliminates the need for the credit union to monitor and maintain the audio unit.
On-site units for larger credit unions can show substantial savings in long-distance charges.

Allows you to create a personalized greeting and message.
Guides members using menu-driven voice prompts.
Assists Spanish-speaking members with bilingual voice prompts.
Includes introductory help for first time callers, advanced ability for experienced callers, and speed transactions for power users.
Allows members to access balance information, make withdrawals by check, complete transfers, and make credit card payments.
Assigns a unique confirmation number to each financial transaction.
Provides access to expanded account history, including most recent transactions, most recent withdrawal and deposit, clear check inquiry, and more.
Protects confidential member information using expanded security, including forced PIN change, requiring first-time users to change PIN, and lockout on set number of invalid PINs.
Permits member requests for check copies, statement photocopies, product brochures & applications, and check reorders.
Allows members with more than one member account to access another member account without terminating the call.

Portico offers two types of Audio Response delivery platforms: In-house and National Audio Response Center.

In-house Audio Response
The In-house Audio Response platform is flexible, reliable and designed for credit unions whose call volume and geographic concentration of membership warrants their own in-house package.
National Audio Response Center (NARC)
The National Audio Response Center (NARC) is a cost-effective approach to offering an Audio Response program. A facility located at the Portico corporate headquarters in Frisco, Texas, fields calls from members through a 1-800 number unique to each credit union. Like the In-house system, this facility enables members to use a TouchTone telephone to access their account information. Additionally, the NARC units are monitored 24X7 to insure that any outages are addressed in a timely manner.