Does DROS integrate with our core?

Yes. DROS syncs delinquent accounts via CSV or API - balances, contact info, and payment history. There is no core migration and nothing changes in your system of record. Most credit unions are live within days.

Will members know they are talking to AI?

DROS agents identify themselves per your disclosure requirements. Conversations are natural, patient, and scripted to your standards - members can always request a person, and those conversations route to your team instantly with full context.

How does this hold up in an NCUA exam?

Every interaction is recorded, transcribed, and logged with timestamps, consent status, and disclosures. Your audit trail is a report you export, not a file you assemble.

What happens to our existing collections team?

They stop dialing and start resolving. DROS handles the volume - first contacts, reminders, promise follow-ups - while your people take the hardship cases, disputes, and conversations that need judgment.

What does DROS cost for a credit union?

Plans start at a flat monthly rate with included call minutes - no per-seat pricing, no long implementation fees. See pricing, or talk to us about your portfolio size.

For credit unions

Recover balances.Keep members.

DROS works your delinquent accounts from day 1 - every call, text, and email compliant, logged, and handled the way a credit union would want a member treated.

Book a member-outreach walkthrough See AI agents in action

Reg F & FDCPA aligned

SOC 2 ready

Live in days, not quarters

The difference

The first 30 days decide the account.

Here's what happens to one past-due auto loan - with a small team, and with DROS.

Day 1

Day 7

Day 15

Day 30

Today

✕Silence

✕First call - no answer

✕Voicemail #3

✕Repo queue

On DROS

✓Text + call, promise booked

✓Reminder before due date

✓Promise kept, account cured

✓Member intact

How it works

One engagement layer. Every member, every day.

Connect your core

Sync delinquent accounts via CSV or API. No migration project - live in days.

Reach members from day 1

AI agents call, text, and email with full account context - on the member's channel.

Book and chase promises

The Promise-to-Pay Engine negotiates within your rules and follows up when promises slip.

Escalate only what needs a person

Hardship and disputes route to your team with the full conversation history attached.

Member experience

It's your credit union talking. Not a collection agency.

Early outreach is a retention moment, not just a recovery one. Members who get treated well stay members.

→Your scripts, your tone, your disclosures
→Patient conversations, 24/7, in the member's language
→A person is always one ask away - routed with full history

Your Credit Union

Automated by DROS

DAY 3 PAST DUE · 10:02 AM

Hi Sarah, this is a reminder from your credit union - your auto loan payment of $312 was due Jun 1. Reply here or tap to pay: [secure link]

Hey, money's tight this month. Can I pay half now and half on the 15th?

Absolutely. I've set up $156 today and $156 on Jun 15. You'll get a confirmation for each. Thanks, Sarah.

✓ Promise to Pay booked · Logged & compliant

Compliance

Built for your examiner, not just your dialer.

Every interaction is scripted, logged, and audited automatically. When NCUA asks, you pull the record - not the excuse.

Reg F & FDCPA aligned

Contact frequency, timing, and disclosure rules enforced at the system level - not left to agent memory.

TCPA consent handling

Consent tracked and enforced across every channel, with revocation honored in real time.

UDAAP-safe scripting

Every AI conversation follows approved scripts and stays inside guardrails you set and can show.

100% logged & audit-ready

Every touchpoint recorded, transcribed, and traceable. Exam prep becomes an export, not a project.

Where credit unions use DROS

Every product in your portfolio.

Auto Loans

Early-stage outreach before repossession is ever on the table.

Credit Cards

High-volume, low-balance accounts worked daily without adding headcount.

Personal & Signature Loans

Consistent follow-up on every open promise.

Share Overdrafts

Fast, friendly recovery on negative balances before charge-off.

Proof

Results from teams running DROS.

7×

Right-party contact improvement

+18%

Recovery lift in the first 90 days

1.8M+

Accounts worked on the platform

"DROS does the outreach we never had the staff for, and every call comes back fully logged and compliant. It pays for itself."

Darryl Brown - Principal, Greystone & Associates

Common questions

What credit unions ask us first

Can't find your answer? Reach out to our team.

Hear it for yourself

Want to hear what your AI collections agent sounds like?

Enter your number and we will call you in 30 seconds.

We won't spam you. This is a one-time demo call.

Simple pricing. No surprises.

Built for credit unions of all sizes - from a single branch to enterprise-scale operations.

See pricing →

No commitment required

Hear it yourself

See DROS on your member collections flows

Bring your delinquent accounts and existing core. We'll show you exactly how it fits.

Book a member-outreach walkthrough Talk to us about AI agents

No commitment requiredStack review includedBrand + compliance rules modeled liveWorks with your existing core