Grow deposits, loans, and membership — on the core you already run.
One platform. All accounts. Anytime, anywhere.
Consumer and business account opening, lending, and fraud decisioning that grows deposits and membership without new headcount.
Origination, AI agents, and governed AI access — on the core you already have
Start with the layer that solves today's problem. Add the others when you're ready. Everything runs on the same real-time core integrations, so nothing is a rip-and-replace project.
Digital Origination
Consumer and business account opening, consumer and business lending, and fraud & decisioning — 90+ configurable financial product templates, applications completed in under 2 minutes, and 97.6% of manual origination steps automated (Nutmeg State FCU).
Explore the platform →AI Growth Agents
Three agentic AI Growth Agents — Acquisition AIA, Cross-Sell AIC, and Relationship Growth AIR — in production since June 2025. Every recommendation is human-in-the-loop: no autonomous actions, and no member data in public models.
Meet the agents →MCP Connect
Governed, read-only AI access to your origination data from the assistants your team already uses. Every query is audited with 7-year retention, and PII is masked by default. Public pricing, starting with a Starter tier included with AI Growth Agents.
See how it works →The same screens your team and your applicants will use
Built for your charter, your core, and your examiners
Credit Unions
Grow membership without growing headcount
Field-of-membership eligibility, SEG onboarding, and member language throughout. Real-time integrations with Jack Henry Symitar, Corelation KeyStone, and Fiserv cores — proven from $100M credit unions to Fortune 500 enterprise deployments.
For credit unions →
Community Banks
Win the customers megabanks take for granted
Consumer and business account opening with automated KYB, FinCEN CDD beneficial-ownership collection, and Secretary of State checks — on Fiserv Premier, Fiserv DNA, and Jack Henry SilverLake.
For community banks →36+ direct API integrations across cores, identity, and payments
Jack Henry VIP Partner · Corelation Preferred Partner · Banno Certified · Fiserv AppMarket Partner · FIS GKYC certified. See all integrations.
NPS of 90 — measured November 2024, from clients of 8+ years
"Our initial results have been phenomenal — on average, $10,000 in new deposits per account opened and 70% reduction in processing time."
"In my decades of leading credit unions, Cotribute is one of the best technology partners that I have experienced… best-in-class digital onboarding templates provide a 'Chime-like' experience."
Evaluate us the way your committee actually buys
No mystery pricing, no gated basics. Every stakeholder — CFO, CIO, compliance, operations — can get to their answer without a sales call.
Pricing & ROI
How pricing works by asset tier and module, with ROI math built on documented client benchmarks.
See pricing →Compare Vendors
Honest, side-by-side comparisons against the alternatives you're already shortlisting.
Compare options →Implementation
The methodology behind going live in ~30 days for account opening — documented at Blue FCU — and 45–60 days for loan modules depending on core.
See the plan →Trust & Security
SOC 2 Type 2 certification, AI governance, and the due-diligence package your risk team will ask for.
Review trust →See a live demo before you commit
Get a 20-minute guided walkthrough of the account-opening and lending templates our credit union and community bank clients run in production.