fi-linx (intentionally lower-case) is a Credit Union Service Organization owned by MaPS Service Agency, a subsidiary of MaPS Credit Union, and headquartered in Salem, Oregon. A financial software development company, fi-linx products are specifically marketed to credit unions. The company has been featured in credit industry related publications such as the Credit Union Times and the Credit Union Journal and their services are offered both directly and through the Credit Union Executives Society (CUES).
Deposit Reclassification, the primary service provided by fi-linx, provides an automated method for credit unions to reclassify their deposit accounts to significantly lower their Federal Reserve balance. This is done by splitting each transaction account into a checking subaccount (which carries a reserve requirement) and a savings subaccount (which does not carry a reserve requirement), a process allowed by the Federal Reserve Bank in 1993. The service has been reported to have saved MaPS Credit Union $145,000 per year and it is estimated that $154 million could be saved industry-wide if every credit union were to use the service. Check Checker is a form of check fraud deterrent software that uses real-time validation to check the routing number of a check with the Federal Reserve, as well as checking fraud alerts from the NCUA and FDIC.