Mountain America Credit Union adopts SunTec Xelerate for billing modernisation

By Divya Shah

Why it matters: The implementation highlights how SaaS-based billing platforms can modernise fee management, reduce manual processes and improve operational flexibility for banks.

Mountain America Credit Union has implemented SunTec Business Solutions’ Xelerate Software-as-a-Service (SaaS) solution for account analysis and billing, replacing its legacy systems as part of a broader technology modernisation initiative. 

Since going live, the credit union has completed multiple billing cycles, with fewer member billing enquiries being directed to its branches and a significant reduction in manual intervention.  

Kyle Guest, Vice President of Business Services at Mountain America Credit Union, said, “This implementation is helping us simplify billing operations, reduce manual effort, and deliver a better experience for our members. Our use of SunTec has created a more efficient solution to support the continued evolution of our business banking services.” 

The implementation is expected to improve operational efficiency and provide a scalable foundation for the continued growth of its business banking operations. 

SunTec’s Xelerate solution separates account analysis and billing functions from the core banking system, giving Mountain America greater flexibility to manage business banking fees, configure pricing rules and tailor services to member requirements. 

The platform automates fee calculations based on transaction volumes, transaction values and account balances. It also applies earnings credits against eligible charges, allowing members to understand how qualifying account balances can offset service fees. 

In addition, the solution generates detailed account analysis statements covering service usage, applicable pricing, credits and net charges. It supports configurable relationship-based discounts and fee waivers, alongside automated billing processes designed to accommodate growing account and transaction volumes. 

Amit Dua, President of SunTec Business Solutions, said, “By bringing service usage, pricing rules, earnings credits, and billing together, SunTec is helping Mountain America improve billing transparency, reduce operational effort, and build greater flexibility into its business banking operations.” 

The implementation marked a step in Mountain America’s technology modernisation efforts, with automated account analysis and billing intended to support more efficient fee management and the expansion of its business banking services.