Streamlined Deposit Automation
on a Single Platform
Speed Item Processing. Lower Costs. Mitigate Fraud.
Award-winning, Unify modernizes check and deposit processing with measurable efficiency gains, simplified workflows, and improved account holder experiences. Built for financial institutions, Unify is a Check 21–compliant deposit automation platform that supports full service and self-service channels through a single platform and API. Banks and credit unions can deploy Unify enterprise-wide or by line of business—while processing every check and document consistently across the organization.
Unlike traditional batch-based systems, Unify processes deposits at the transaction level, removing friction between Day 1 and Day 2 workflows. Each item moves through configured decision points in real-time, accelerating item handling, enabling faster posting, and improving operational control.
Watch: Journey of a Check Through Unify
Modern Approach to Deposit Automation
Unify simplifies deposit operations by treating every item the same—regardless of capture point. Transaction level processing improves speed, consistency, and control across branch, teller, self service, and back office workflows. Role based dashboards provide both high level visibility and detailed operational insight, while a consistent user experience reduces training time and increases productivity across teams.
Built to Scale for Banks & Credit Unions
As a cloud native, thin client platform, Unify scales on demand to support community banks, credit unions, regional institutions, and Tier 1 organizations. Configurable business rules adapt to institution specific requirements, while elastic infrastructure helps optimize IT resources, reduce complexity, and lower total cost of ownership.
Meet performance, efficiency, and growth goals across operations, the back office, and executive teams with Unify—and modernize your deposit and payments ecosystem with confidence.
The Only Solution on the Market that Addresses All Challenges
- Manage the same platform and 1 API across all Day 1 and Day 2 channels, built on the most modern architecture and tech stack
- Speed item processing with transaction level capabilities
- Avoid downstream item processing delays while awaiting decisions on items from other channels
- Eliminate the need for file exchanges between systems
- Remove the need to view item-related data in multiple systems to make a decision
- Benefit from one database and centralized reporting dashboard
Remove Data Silos
Unify’s single platform benefits span far beyond efficiency and reduced paper handling. Thanks to its single platform and centralized database, along with the use of real-time image and data validations, Unify allows transactions to be decisioned consistently regardless of channel, and the automation of previously manual or siloed tasks for employees in the back office. At the same time, account holders gain a true omni-channel approach – regardless of when or where they decide to bank.
The days of employees manually making decisions on items across different solutions without real-time feedback are behind us. With Unify, banks and credit unions deliver faster access to funds, post in real-time, and see a reduced risk for fraud.
Alogent Shield: Fraud Mitigation
Check fraud requires a holistic, multi-faceted approach that spans all deposit channels. Next-gen platforms like Unify mitigate risk by improving a financial institution’s ability to monitor and validate deposits, ensuring a streamlined user journey.
Combine Unify's native features like real-time image and data validation with industry-leading third-party fraud detection solutions for enhanced risk mitigation. Leverage the most advanced AI and image analytics tools, enhancing your bank’s or credit union’s ability to identify potentially fraudulent checks.
Security: A Core Focus
Remain at the forefront of the banking industry with Unify by seamlessly integrating with industry-standard authentication protocols like OpenAuth, SAML, and Federated SSO out-of-the-box. With the ability to integrate to an institution's identity provider, banks and credit unions simplify user authentication and entitlement assignment, eliminating the need to manage userbases across multiple systems.
Lower Your Total Cost of Ownership
With a deep integration to your core banking solution, a common cloud-based infrastructure, and the same codebase for all deposit channels, Unify allows institutions to implement custom business rules for transactions based on the acquisition channel and other requirements. Connect to third-party solutions with ease, and give your institution a more flexible environment to address internal goals and market needs. At the same time, significantly decrease costs, time to market, and the need to train employees on the intricacies of varying tech stacks by maintaining just one environment, single API, and a common set of code.