Modern credit union members expect fast, convenient, and secure digital experiences, especially when it comes to managing their accounts. One powerful way to meet these expectations is by enabling members to add a joint owner through a secure, automated workflow.
By using integrated core systems and self-service tools, credit unions can streamline account access, reduce branch workload, and give members more control over their financial lives.
Why Self-Service Matters to Today’s Members
Members have become increasingly comfortable managing their financial needs online. Self-service tools help credit unions:
- Provide faster, more convenient experiences
- Reduce dependency on branch visits or manual paperwork
- Increase member satisfaction with simpler digital solutions
- Strengthen trust through secure, transparent processes
The Add Joint Owner feature is a perfect example of how smart technology empowers both members and staff.
The Challenges of Manual Joint-Owner Requests
Before automation, adding a joint owner was often a slow and manual process. Credit unions commonly faced challenges like:
- Paper forms that required in-branch visits
- Back-and-forth communication to collect details
- Delays due to incomplete or missing information
- Manual data entry into the core system
- Security concerns around sharing personal information
These obstacles created friction for both members and staff, leading to longer wait times and more operational strain.
How the Add Joint Owner Feature Simplifies Processes
When integrated with the core system, the Add Joint Owner workflow transforms a traditionally slow process into a fast, secure, and seamless experience. Here’s how IMS Integration helps:
- Fully Digital Requests: Members can initiate the process online, no visit required, making it simple and convenient.
- Automated Data Collection: The system gathers required personal and identification details through secure forms that guide the member step-by-step.
- Real-Time Validation: Information is checked instantly for accuracy and completeness, reducing delays and follow-ups.
- Direct Core Integration: Approved requests sync directly into the credit union’s core, eliminating manual data entry and reducing errors.
What Self-Service Looks Like in Action
The Add Joint Owner feature enhances everyday operations by offering:
- A smoother onboarding experience for new joint owners
- Faster access for families managing shared finances
- Less paperwork and fewer branch appointments
- Consistent, guided digital workflows
- Accurate and timely updates to the core system
These improvements strengthen the member experience while supporting operational efficiency.
Benefits for Members and Credit Unions
A secure, automated joint-owner workflow doesn’t just eliminate paperwork, it transforms the entire account-management experience for members, staff, and leadership.
For Members
Automation creates a faster, more transparent, and more reliable process. Members gain immediate clarity and quicker access for spouses, partners, or family members. They avoid branch visits, enjoy a clean step-by-step experience, and feel confident knowing their sensitive information is handled securely.
For Staff
Teams experience fewer errors, fewer follow-up calls, and significantly less manual administrative work. Instead of tracking down missing documents or re-entering data, staff can approve requests quickly and refocus their time on relationship-building and higher-value support.
For Leadership
Leadership sees measurable operational improvements. Digital adoption increases, processes become more scalable, and satisfaction scores rise as members experience faster service. Automated workflows support compliance, reduce internal friction, and move the credit union closer to modern digital standards.
Self-service isn’t just convenient. It drives efficiency, strengthens trust, and positions credit unions for long-term digital growth.
Building a More Member-Focused Digital Experience
By empowering members to add joint owners through a secure, automated workflow, credit unions can deliver on their promise of modern, member-first service. Integration ensures accuracy, automation speeds up the process, and self-service gives members the flexibility they expect today.
At IMS Integration, we help credit unions streamline core processes and build digital experiences that strengthen relationships at every touchpoint.
Ready to enhance member empowerment with secure self-service tools? Contact us today!
