A CPS Fact Sheet

1. CREATIVE PAYMENT SOLUTIONS
With Creative Payment Solutions,
all the pieces fit.
Value-added solutions that attract business
customers while reducing your costs

2. Bringing all the pieces together. Helping you and your business customers meet today’s challenges.
Financial institutions today are faced with many challenges. You need to find new sources of fee income to replace revenue that has been legislated away, as well as compete
for new business and grow existing relationships. CPS understands those challenges, and we have a suite of solutions to help you create those revenue streams and become a
valued partner to your small business clients.
My Financial Institution
Needs to:
CPS Solution Description Benefits to You
Benefits to Your
Business Customers
AR-Box®
Online Receivables
Processing
Consolidates consumer online payments
from multiple processors.
Lets you provide a value-added service to
your business customers with no additional
cost to you.
Creates new fee income opportunity.
They can more efficiently receive and process
online payments from their customers.
Reduces administrative time and expense.
Enhances cash flow.
Facilitates payment initiation through the
biller’s website.
CheckTrackSM
NSF Check
Collection
Converts eligible deposited items that
are returned for insufficient (NSF) or
uncollected (UCF) funds into an electronic
transaction and re-presents it through
the ACH network.
An addition to your business portfolio your
clients will appreciate – with no additional cost
to you or to them.
CPS and financial institution share state-
allowable fee.
CPS provides sales support materials for your
branches.
They receive 100% of face amount for each
collected item at no additional cost.
Eliminates in-house collection efforts.
No equipment or software needed.
Receive an automatic daily deposit
of collected items.
View images of returned items on demand.
Deposit24® Low
Volume Remote
Deposit Capture
Web-based remote deposit solution
that allows your business customers to
efficiently process check payments from
their own location.
Designed for businesses that process 200
checks or less per month.
RDC products are also available for
businesses processing more than 200
checks per month.
Package price creates regular monthly profit
margin.
CPS funds scanner and maintenance.
Product is customer self-installed.
CPS provides a customer technical call center.
Allows customer to make deposits from their
office or place of business.
Easy, low-cost implementation.
Affordable, fixed monthly price that includes
a scanner and maintenance.
Web-based reporting tools.
Deposits can be made throughout the day with
extended deposit cutoff times and next-day
availability of funds.
Control risk
Remote
Deposit Capture
Risk Self-
Assessment
Fully automated method for complying
with FFIEC RDC risk management
guidelines using online assessments.
Reduces risk of FFIEC non-compliance.
Minimizes need for costly on-site assessments.
Easy to implement and track results.
Provides consolidated reports for auditors and
regulators.
Reduces time and cost of on-site assessments.
Reinforces RDC-related processing and
administrative responsibilities.
Reduce operating costs
Improve branch
processing efficiencies
Gain competitive
advantage by extending
deposit deadlines to
normal closing times
Deposit24®
Branch Capture
Web-based solution allows financial
institutions to scan all teller transactions
and submit for balancing and posting.
Significantly reduces transportation costs.
Permits same-day processing for all transactions
received during normal branch hours.
Integrates easily into your branch operations
– no significant investment in hardware or
software required.
CPS brings more than 4 years’successful
experience supporting 1,800 branches and
processing 33 million items per month.
Same-day posting for all transactions during
normal branch business day for all branch
customers (business and retail).
Gain new sources
of revenue to offset
what has been
legislated away
Retain our
core depositors
Grow organically
by attracting new
business customers
with value-added
solutions
Control branch
expenses

3. The advantages of working with a stable, proven partner.
Creative Payment Solutions is a wholly owned subsidiary of BB&T Corporation, one of the nation’s leading financial institutions,
with a reputation for safety and soundness – and exceptional client service – that goes back to 1872.
Bottom line, we are bankers building products for bankers. We know from first-hand experience what it takes to attract and retain
customers in a highly competitive environment. And we understand your need to contain costs as you deliver optimum value.
If there are gaps in your product offerings for small businesses, give us a call.
Together, we’ll find the perfect fit.
creativepaymentsolutions.com
Creative Payment Solutions, Inc. • P.O. Box 2341, Wilson, NC 27893 • Phone: 1-800-508-0277 • Fax: 1-800-518-9364
Creative Payment Solutions is a subsidiary of BB&T Corporation.
Tony Blackburn
513-505-0797
AHBlackburn@ecpays.com
Julie Peckham
312-915-0553
JPeckham@ecpays.com