Everything Curtains does
The core system that runs your credit union, the services you can add on top, and what is coming next. All on one page.
The core system
Front counter to back office, in one place. Built for shares, dividends, payroll deduction and common bonds, so the language on screen matches the language in your rulebook.
Members
Accounts, contact details, history and your team’s notes, all on one record.
Savings and shares
Share accounts, junior savers and Christmas clubs, with dividends handled your way.
Loans
Applications through to settlement, with schedules, repayments and arrears tracked.
Transactions
Payments, payroll deduction, cash and transfers, posted and reconciled.
Arrears
See who has fallen behind, work a sensible order, and keep a record of every contact.
General ledger
Double-entry postings, journals and a trial balance that ties back to every transaction behind it.
Treasury
Bank accounts, your cash position and investments, reconciled against the ledger.
Reporting
The numbers your board asks for and the returns your regulator expects.
What you can add
Six services that used to be out of reach for a credit union of your size. Take one, take all six.
Real-time withdrawals
Money reaches a member’s bank account in seconds over Faster Payments, any day of the week.
- Far less manual payment work
- Fewer calls asking where the money is
Direct Debits
Collect savings and repayments straight from a member’s bank account, on a schedule.
- Members can join without payroll deduction
- Failed collections reported back to you
A mobile app, via CU Apps
Your credit union’s name in the app store. Members check balances, see transactions and apply for a loan from their phone.
- Your branding throughout
- The thing younger members ask for first
Online banking, via incuto
The same self-service in any browser, for members who would rather use a laptop.
- Fewer routine calls into the office
- Members keep their own details up to date
Loan origination, via incuto
Application through to decision, with affordability and credit data pulled in automatically.
- Your lending policy applied consistently
- Quicker answers, less rekeying
Credit data and Open Banking
Discounted TransUnion and Open Banking services, at rates you would struggle to get on your own.
- Group buying power, without joining anything
- Wired straight into lending
We can host Curtains for you
Servers, backups and updates stop being something you have to think about. Hosting is in testing now, and we are talking to credit unions who want it.
We run the servers
The hardware is ours to look after, including replacing it as it ages.
We take the backups
Properly and regularly, without anyone on your team having to remember.
We apply the updates
New releases go on for you, at a time that suits your week.
Interested? Get in touch. We will show you where hosting is up to, what it would look like for your credit union, and when we could move you across.
You move when it suits you. A server in your own office carries on working just as well in the meantime.
Curtains 3 is on the way
The next generation of the platform. New from the ground up, rather than another layer on what came before.
- Built around how credit unions work now
- Quick to learn and hard to get wrong
- We will show it to you properly before it launches
No dates and no feature list yet. Nothing changes for anyone without a conversation first.
Your data stays yours
Nothing moves without agreeing it with you. No hidden timetable, no forced switch.
Which of these would help most?
Tell us where the pain is and we will tell you honestly which of these fixes it, what it involves and what it costs. No obligation.