Consumer and Business Account and Loan Origination
Open consumer and business accounts in under 2 minutes. Cotribute is an AI-powered digital account opening solution that brings fintech speed to credit unions and banks - fully automated, with bank-grade trust.
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Open Accounts in Under 2 Minutes
Fully automated consumer and business account opening across web, mobile, branch, and call center — roughly 98% automation of manual steps, live in under 30 days.
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Real-Time Booking to Your Core
Customers and accounts are booked to your core in real time — identity lookup and creation, account opening for checking, savings, and certificates, plus funding.
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Built-In Fraud, KYC & KYB
Real-time identity verification, liveness, device and geolocation signals, and synthetic-fraud detection — plus business KYB with Secretary of State validation.
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Flexible Account Funding
Fund each new account by internal transfer from a customer's existing account, or from a GL the institution funds through external ACH or card rails.
Cotribute is a digital account origination and onboarding platform that opens deposit accounts in under two minutes across web, mobile, branch, and call center channels—with 98% automation of manual steps and go-live in under 30 days.
Cotribute books directly to your core in real time, supporting identity lookup and creation, account opening (checking, savings, and certificates), and funding for both new and existing consumer and business customers.
What's Included
- Consumer Account Opening — Automated KYC and fraud checks, a fintech-grade funding experience, and real-time booking to the core.
- Business Account Opening — Support for multiple corporate structures, signers and beneficial owners, KYB and Secretary of State validation, and automated document generation with e-signatures.
- Existing Customer Onboarding — Look up a customer's accounts on the core, open into a new or existing relationship, and keep their profile in sync.
- Flexible Funding — Fund new accounts via internal transfers from existing accounts or from a GL, with institutional funding rails available through external channels.
- Fraud, Identity & Analytics — Liveness detection, device fingerprinting, geolocation, synthetic fraud detection, and real-time journey analytics.
Results institutions see include up to 5x more new accounts, 60% higher conversion rates, and significant reductions in back-office processing time.
- Version
- 2026.3
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