Fits seamlessly with the Fiserv DNA core banking system

LIVERMORE, Calif., January 9, 2018 – Cubus Solutions, a provider of powerful online banking solutions for credit unions, announced that Meritrust Credit Union of Wichita, KS has partnered with Cubus to provide an automated skip payment solution to its members. Meritrust Credit Union has nearly $1.3B in assets, 15 branches, and over 92,000 members.

“We had been relying on semi-manual processes to support our Skip-A-Pay program. Although we had streamlined the process, by putting forms on our website, it was a cumbersome procedure which still involved manual intervention. Unavoidable human error was not only costing time but money as well,” said Erik Breckenridge, Director of Member Support Services at Meritrust Credit Union. “Cubus Skip-A-Pay can be done in a few clicks, it’s fully functional on a mobile device, and lets members pay the convenience fee with a credit or debit card. These were the key selling points for us.”

Previously Meritrust was only offering Skip-A-Pay during the month of December. Now, with the complete automation of the process, the credit union is allowing a member to skip a payment one time, anytime throughout the year. In the two months since launching Skip-A-Pay, the credit union has completed over 7,000 skips, which matches the total number of skips processed in all of 2016.

Skip-A-Pay automates all functions that were traditionally completed by hand, including the qualification process, advancing the due date, updating scheduled payments and charging fees. The software takes the guesswork out of the equation while eliminating the possibility of human error. Its sophisticated rules engine allows for each credit union to customize the product, applying their own particular criteria to qualify the deferral. Skip-A-Pay takes the entire decision making out of the staff’s hands so they can concentrate on other initiatives. In addition, its automated reporting allows Meritrust Credit Union to track skipped payments and fees, calculating ROI on demand.

Skip-A-Pay is easily incorporated into the Fiserv DNA core banking system, turning a laborious, time-consuming procedure into three easy steps for the member. The approval, or decline, is quickly and is automatically processed in real time. The software drastically reduces the time to approve the skip and complete the core update. This is not only a cost saving for the credit union but a massive convenience for members.

“Skip-A-Pay frees up employees so they don’t have to spend time doing research and making decisions and can spend more time servicing members. There’s huge value to this that can’t be measured in monetary terms,” said John-Ashley Paul, president of Cubus Solutions.

For more information on Cubus Skip-A-Pay, click here.


About Cubus Solutions
Cubus Solutions is headquartered in Livermore, California, and provides a powerful online banking platform for credit unions that integrates online banking, payments and finance management in one single interface. Cubus and its online banking platform were built by executives and engineers with decades of combined experience with core data systems and the banking industry. Cubus is a trusted solution provider with nearly a dozen years of proven success with its clients. For more information visit

Media contact
Ginny Cain
Cain Communications for Cubus Solutions
Direct: 925.426.0646
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