- 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.
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.
