IMM Announces Interface Enabling “Lights-Out” Lending and Account Opening

Integration of IMM’s eSign and Symitar’s SymApp allows credit unions to complete loan originations and account openings online, in real-time 

IMM, the leading source of eSignature and eTransaction Management for financial institutions, announced today at the Symitar® Educational Conference that it has entered into a referral and marketing agreement with Symitar®, a division of Jack Henry & Associates, Inc®. IMM eSign is being integrated with Symitar’s SymApp™ to provide credit unions with real-time, online loan origination and account opening capabilities. This seamless interface will be one of the only platforms available in today’s market that enables credit unions to perform these specialized “lights-out” transactions online from any location, at any time, even outside of the credit union’s normal business hours.

“Lights-out” is IMM’s term for the ability for members to sign documents associated with an account opening or loan origination transaction without having to cease the online process because the credit union is closed, or to have to go to a branch to sign documents in-person.

With IMM’s enhanced eSignature services integrated with Symitar’s SymApp solution, credit unions can complete end-to-end online transactions without requiring any employee engagement. Members can apply for loans or new accounts online, provide required underwriting materials, and if approved, review and electronically sign required documents. This “lights-out” capability enables credit unions to complete loan origination and account opening transactions after hours when branches are normally closed, on holidays and weekends as well.

“We are proud to work with the Symitar team to offer such a valuable interface between their SymApp platform and IMM’s eSign solution for credit unions,” said John Levy, Executive Vice President of IMM. “Enabling credit unions to complete loan and new account transactions entirely online is a significant competitive advantage. We are really excited to offer the only solution that enables “lights-out” lending, allowing members to complete loan applications, receive a decision and then eSign the loan paperwork online, all without ever stepping foot into a branch.”

IMM’s fully integrated eSignature and eTeller solutions help credit unions operate in a more efficient, cost effective and compliant environment, while enhancing the overall member experience. The company’s signature eSign solution seamlessly integrates with virtually any business application currently in use by a credit union including core, lending, account opening, and ECM/Imaging systems.


For more than 20 years, IMM’s focus has remained the same: to deliver innovative electronic transaction solutions to financial institutions, and maintain client satisfaction and success.  Over 700 U.S. financial institutions are powered by IMM’s comprehensive eSignature and eTransaction Management solutions. The company’s fully integrated eSignature, eWorkflow, and eTeller solutions make transacting business easy and convenient for the consumer while creating a more efficient, cost-effective and compliant back-office operation.

Driving electronic transactions through innovation, reputation and speed.