Community Bank Selects Orbipay Loan Payments To Strengthen Operational Control and Modernize Loan Servicing
- First Bankers Trust has transformed its loan payment operations with Alacriti, moving from manual workflows to an automated, integrated platform.
- Customers can now complete loan payments through self-service Enrolled and Guest Web experiences, with support for recurring and future-dated transactions.
- Orbipay Loan Payments connects directly to the bank’s core system, enabling real-time posting, configurable loan-level coding, and greater operational control.
First Bankers Trust Company, N.A., a wholly-owned subsidiary of First Bankers Trustshares, Inc., has partnered with Alacriti, a leader in cloud-based payment technology, to modernize its loan payment experience with Orbipay Loan Payments. By replacing manual processes with a configurable, automated platform, the community bank is improving efficiency and creating a more intuitive payment experience for customers.
First Banker’s Trust’s prior loan platform relied heavily on staff-supported workflows and manual oversight. While the process was functional, phone-based transactions and internally managed ACH activity required consistent involvement to ensure accurate loan-level posting. As payment volumes increased, leadership recognized the need for an automated and integrated approach to support growth and reduce operational friction.
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With Orbipay Loan Payments, First Bankers Trust introduced new capabilities for both customers and internal teams, including:
- Self-service payment access through enrolled and guest web experiences.
- Flexible payment options, including One-Time, Recurring, and future-dated payments via ACH or debit card.
- Multi-loan payment capability, allowing customers to manage multiple payments in a single session.
- Direct core integration, enabling real-time payments posting.
- Configurable transaction coding aligned by loan type and payment scenario.
- Operational continuity safeguards, including a repair queue to manage transactions during temporary core downtime.
- Enhanced reporting visibility, providing clearer insight into daily payment activity and performance.
“Our previous process required a high level of hands-on involvement from our team,” said Lyndsey Dow, AVP Loan Operations Manager at First Bankers Trust Company. “With Alacriti, we’re giving customers control while improving accuracy behind the scenes. Real-time posting and configurable coding were essential to ensuring we could scale confidently without increasing operational complexity.”
“First Bankers Trust approached this initiative with a clear focus on efficiency and control,” said Stuart Bain, SVP of Product at Alacriti. “By automating manual workflows and integrating directly with the core, they’ve created a resilient and streamlined payment operation.”
This partnership provides a scalable foundation that allows the bank to expand capabilities over time as part of its broader modernization strategy.
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