Web Signatures for Credit Unions

With Web Signatures for Credit Unions, you can offer your members the convenience of signing their loan and member documents at a branch location, on the go, or at home. You can even have a combination of in-branch and web signers on one document set. Therefore, if a member needs to sign documents and one applicant is traveling, your credit union can send the document set to the traveling member, web signer, while the co-applicant is sitting in front of you, in branch signer.

• Provides convenient access for your credit union members – Internet connectivity and access to email are all a member needs.
• Allows signatures to be captured on documents via the web.
• Allows signatures to be captured on smart-phones and tablets.
• Allows signatures from in-branch signers and web-based signers to be captured on the same document.
• Uses various authentication methods for document security and certifies completion for traceability.
• Provides tracking of document progress.
• Allows you to retain and re-display documents in progress for additional processing.
• Provides access to documents in various states of progress from the My Queue window or the New Member & Services Application Queue tab.
• Provides notifications to senders when document’s status has changed.
• Supports Carbon Copy and Certified Delivery options.

You can use Web Signatures when generating documents throughout Portico. Once you’ve selected the documents you want to generate on the Available Documents tab, you can create an envelope containing those selected documents. The envelope is used to deliver the documents for signing.

The signing process:

1. Your credit union creates an envelope of documents and prepares the documents for signing.
2. Each recipient is identified as an in branch or web signer.
3. Your credit union selects how each web signer will authenticate.
4. The document set (envelope) is sent to the web signers’ email addresses.
5. The web signers receive a “Request for Signing” email.
6. The web signing members open the email and click on the Review Documents link.
7. Upon initial access, web signers are required to authenticate.
8. The web signers enter the authentication method selected by your credit union.
9. The document opens and the web signers can complete the signing process.
10. Once all signers, both in branch and web signers, have completed their required interactions with the envelope, all signers receive a Completed Documents email with a link to the fully executed document set. The Completed Documents link remains available for access until the member deletes the email in which the link is contained. Fiserv recommends that your credit union instruct your members to save their documents, and delete the email that contains the Completed Documents link.

The Request for Signing and Completed Documents links are not accessible with an Initial Authentication when the link is opened with another browser or device. Access to documents is governed by the recipient’s browser and device. Where authentication is required, recipients are not asked to authenticate again when they access the documents from the same browser on the same device. However, if an individual attempts to click the document link from a different browser or a different device, the individual must enter the authentication method again. In branch signers receive a Completed Documents email with a link. In branch signing does not require authentication. If this authentication method does not meet your credit union’s needs, Fiserv offers an alternative authentication method, Each Access, which requires authentication every time the member clicks the document link in the email regardless of browser or device; however, Completed Documents link emails will halt for in branch signers when Each Access is the selected method.

If your credit union uses the Each Access authentication option, in branch signers will not receive an email copy of their documents. You must provide a copy to in branch signers by printing a hard copy for the signer or downloading a PDF copy and sending a secure email to the signer's email address.