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Trusted by the Fastest Growing Financial Institutions

One platform. All accounts. Anytime, anywhere.

‍ From consumers to businesses, drive deposits and loans with an AI-powered entryway for digital account origination, across web, mobile, branch, and call center channels.

TRUSTED BY LEADING FINANCIAL INSTITUTIONS INCLUDING

Modern UX
60% Increase in conversions
Configurable UX
5X Increase in new customers
Back Office Process Automation
~98% Automation of Manual Steps
Applications Handled via Auto-Decision
~85% Automation of Existing Criteria

Accelerate Member and Customer Growth and Engagement

Transform Onboarding Efficiency
Cotribute’s streamlined onboarding process speeds up customer acquisition with 5x faster rates and account openings completed in under 2 minutes.

Boost Engagement Through Automation
With automated cross-selling capabilities, Cotribute empowers financial institutions to increase deposits, expand wallet share, and attract more customers.

Highly Configurable Experiences
Support over 45 financial products with intuitive, API-enabled workflows that adapt to your customers’ needs—anywhere, anytime, and on any device.

Drive Operational Excellence

End-to-End Automation
Eliminate manual bottlenecks by automating 85% of decision-making processes, from fraud detection to core system updates.

Seamless System Integration
Cotribute integrates effortlessly with core banking systems, loan origination software, and digital platforms, ensuring smooth adoption and operational continuity.

Empower Your Team
Free staff from repetitive tasks so they can focus on delivering high-value customer experiences.

Detect Fraud Proactively

Cutting-Edge Fraud Prevention
Leverage advanced fraud detection tools, real-time KYC and KYB checks, and liveness detection to minimize fraud risks while improving conversion rates.

Boost Compliance and Accuracy
Integrated data sources and configurable fraud rules ensure all processes meet the highest compliance standards, reducing errors and building trust with your customers.

Improve Customer Retention
Reduce application drop-off rates by 60% with secure, efficient, and customer-friendly onboarding flows.

Optimize with Advanced Analytics

Gain Real-Time Insights
Track and analyze every step of the customer journey with real-time data. Our platform empowers you to identify bottlenecks, optimize workflows, and enhance user experiences, ensuring your onboarding process operates at peak performance.

Predict and Adapt
Leverage predictive analytics to stay ahead of customer needs and market trends. With instant access to actionable insights, your institution can proactively adjust strategies to improve approval rates, reduce drop-offs, and meet compliance goals.

Continuously Improve
Turn data into opportunities for growth. Our advanced analytics enable iterative refinements to your onboarding process, helping you drive measurable outcomes such as increased customer acquisition, reduced operational costs, and higher satisfaction rates.

Embeddable, White labeled, Opening and Onboarding for Deposit, Loan, Insurance and Investment Products

Consumer checking account

Get a $50 Starbucks Card when you open a checking account.

Student checking account

A fee-free bank account for students with a debit card and parental controls.

Business checking account

Simplify money management with our checking account for established business, and get 500 free transactions per month!

Small business checking

The right account for micro-businesses with a growing transaction volume.

Money market savings

Earn more when you save more with our superior APY.

Emergency savings

Set it and forget it - the easiest way to build your Emergency fund.

Don’t just take our word for it.

See what our clients are saying about us.

“Our collaboration with Cotribute has truly been life-saving!"

Kent Richards, Chief Information Officer

“Selecting Cotribute as a strategic partner reflects our shared vision in achieving innovation and excellence"

John Holt, Chief Executive Officer

“With Cotribute, we have the flexibility to select the capabilities we currently need"

John Anderson, Chief Lending Officer

“Cotribute’s platform will enable us to provide a highly intuitive digital account opening process and loan origination process."

Meghan Kraft, SVP - Operations

“In my decades of leading credit unions, Cotribute is one of the best technology partners that I have experienced."

Pat Ahern, President & COO