Vantaggi
There are no pros other than the employees are genuinely good people. That said, the business is not amenable for software engineers
Svantaggi
The parent company CBCal purchased Vericheck a few years ago. They are rebranded as VCI mostly for reputation reasons. I believe the bank purchased the company so they can profit from keeping the ACH transactions in their accounts and expand the capital they can lend. They have almost no vested interest in developing their software platforms. They throw the term fintech around as they believe they are being innovative but their underlying motive is to profit off the fact that ACH transactions are not instantaneous. In fact, they have no clue how to run a tech department — they are at best a typical traditional bank that does not invest in tech.