Your Winning Item Processing Solution
Millennium Corporate acquired the Item Processing service from Heartland Credit Union Association (HCUA) in 2022, retaining their expert staff and continuing a long-standing partnership. Today, we serve 171 credit unions across six states, processing over 2.5 million drafts monthly.
In 2023, we launched a three-phase modernization initiative, completed in January 2025. With a fully modernized platform, we’ve rebranded the service as CheckMate - offering the same trusted item processing, now faster, smarter, and more secure. With industry-leading experience, streamlined integrations, and advanced features, CheckMate gives your credit union the strategic edge to win every day.
CheckMate Includes
- Share Draft Processing
- ​Remote Deposit Capture
CheckMate Delivers
- Seamless system and vendor integration for streamlined operations
- Later deposit cutoff times for greater flexibility
- Real-time email notifications to keep your team informed
- Duplicate detection to reduce errors and improve accuracy
- Scalable processing that handles high volumes without delay
- Staff with a combined total of over 170 years of banking experience
- A secure, cloud-based FIS platform
- Real-time reporting, instant confirmations, and simplified workflows - with more enhancements like fraud detection and Positive Pay coming soon
Share Draft Processing
Millennium Corporate's Share Draft Processing service is designed to provide credit unions with a secure, efficient, and scalable solution for managing member check activity. Your credit union benefits from reduced operational burden, full support for adjustments and returns, and seamless integration with home banking platforms - all backed by Millennium Corporate’s trusted service.
Millennium Corporate's Share Draft service offers:
- Check21-compliant processing technology
- Daily Share Draft Transmission Files provided at approx. 3 PM CT
- Electronic storage of check images (7-year access)
- Full handling of adjustments, corrections, and returns
- Secure integration with home banking platforms
- Online member access to check images
- Reduced operational burden for credit union staff
- Scalable service for high transaction volumes
- And more!
Remote Deposit Capture
Remote Deposit Capture (RDC) lets credit unions scan and electronically transmit check images for fast, efficient processing. Using advanced technology, branches can scan, correct, balance, and submit check batches to Millennium Corporate without needing to send physical checks. Enabled by Check21, digital images act as legal substitutes for paper checks.
Benefits Include
- Hand-written character recognition and image quality checks
- Fewer errors and faster fraud detection
- Encrypted transmissions and duplicate item detection
- User-friendly tools, better research, and next-day settlement
What Credit Unions Experience
- Same-day processing and easier balancing
- Extended cutoff: 7:15 PM CT, M–F
- Telephone support: 8 AM–8 PM, M–F
- Archived images for 7 years
- Secure checks stay within the branch
- Email confirmations for peace of mind
Discover how CheckMate can enhance your credit union’s item processing - click Learn More to connect with a Member Engagement Representative today.