Built for Community Banks
Megabanks outspend you and fintechs out-ship you — but neither knows your market. Cotribute gives community banks fintech-grade digital account opening and lending, for consumers and businesses, on the core you already run. Customers open accounts in under 2 minutes, and business applicants clear KYB without a branch visit.
Certified by Fiserv, on the core your bank most likely runs
Cotribute is real-time integrated and certified by Fiserv on all six Fiserv cores — DNA, XP2, Portico, Premier, Precision and ClearTouch. Premier is the most widely deployed core among community banks in the United States, and a new account opened through Cotribute is written to it during the applicant's session rather than in an overnight batch.
Certification is granted by the core vendor, on the core vendor's timeline. It is not something a platform can accelerate or self-declare, which is why it is worth asking any origination vendor which of their core connections are certified and which are integrations they built alone.
Thirteen core platforms integrated, with real-time writes on eleven. No core conversion is required.
Core connections, with production status stated
The business banking gap
Only 17% of institutions offer digital account opening for businesses and only 20% offer online business loan origination, while 78% of business accounts are already active in digital banking. Cotribute runs business deposits, business lending and business identity on the same platform and the same implementation as consumer.
Only 17% of institutions offer digital account opening for businesses and 20% offer online business loan origination, while 78% of business accounts are already active in digital banking.Cornerstone Advisors & Alkami · May 2026
Your service already wins. Your application experience should not lose.
Digital-first competitors have reset customer expectations: instant account opening, mobile-native flows, zero friction. Cotribute closes that gap without a core conversion — and the results are measured, not projected.
Business deposits are your edge — stop making businesses come in twice
Business Account Opening (BAO) turns a paperwork-heavy branch process into a compliant digital flow. Owners apply from their desk; your back office gets a complete, verified file.
KYB and Secretary of State checks, automated
Business identity verification, Secretary of State validation, and business fraud scoring run in-flow through BusinessGuard+ — so a legitimate LLC clears in minutes and a shell company never reaches your ops queue.
Fraud & Decisioning →FinCEN CDD beneficial ownership, built in
Beneficial-owner collection and certification are part of the application, not a follow-up email chain. Out-of-the-box templates cover multiple corporate structures — LLCs, corporations, sole proprietors, partnerships — with automated document generation and e-signatures.
Business Account Opening →Business lending on the same rails
Business Loan Application (BLA) handles commercial and small business loans, business lines of credit, and business credit cards — with multi-signer support, automated document collection, and business income verification.
Business Lending →Built for the cores community banks run
36+ direct API integrations, with real-time connections to Jack Henry and Fiserv bank cores. Applications book straight to the core — no re-keying, no batch files, no core replacement.
Fiserv Premier & DNA
Fiserv AppMarket Partner, with real-time integration across Fiserv cores including Premier and DNA.
Fiserv integration →Jack Henry SilverLake
Jack Henry VIP Partner and Banno Certified, with real-time integration to SilverLake, CIF 20/20, and Core Director.
Jack Henry integration →FIS and beyond
FIS GKYC certified, with connections across identity, fraud, payments, and e-signature providers — Plaid, Socure, Middesk, Stripe, DocuSign, Twilio, and more.
See all integrations →"Implementing Cotribute's marketing automation platform was like a breath of fresh air — no last minute rushes, no surprises — just results like they promised. Cotribute came with a host of optimized templates that made it easy for our team to quickly list out the configuration changes we needed."
Community banks running Cotribute include International Finance Bank, Sovereign Bank, and First Fidelity Bank. Read more customer stories.
Three community banks, three kinds of proof
International Finance Bank
"Implementing Cotribute's marketing automation platform was like a breath of fresh air — no last minute rushes, no surprises — just results like they promised." — Vanessa Sanchez, AVP, Marketing (quote above).
First Fidelity Bank
Account opening in production on Jack Henry SilverLake with 4+ account-opening configurations; completed loan applications flow into Decision Pro through the Zelody middleware layer for automated decisioning.
Jack Henry integration →Sovereign Bank
Sovereign Bank runs on Cotribute.
Community bank FAQ
CEOHow does this help us compete with megabanks and fintechs for the next generation of customers?
By removing the one place they beat you: the first five minutes. Cotribute customers open accounts in under 2 minutes with instant funding — the experience digital-native applicants expect — while your brand, rates, and local relationships stay front and center. CPM Federal Credit Union opened 32% more accounts and cut manual review effort 82% in 90 days. See the customer results.
CFOWhere's the return — deposits or cost savings?
Both, and both are attributed. On deposits: Capitol Credit Union of Texas averaged $10,000 in new deposits per account opened after moving to Cotribute. On cost: Capitol cut processing time 70%, and Nutmeg State FCU automated 97.6% of manual origination steps. Business Account Opening extends that economics to higher-balance commercial deposits. Pricing is tiered by assets and module — the model and ROI math are on the pricing page, and exact numbers come out of one working session.
CIOWe run Fiserv Premier / Jack Henry SilverLake. Is that a real integration or a promise?
Real and in production. Cotribute maintains 36+ direct API integrations with real-time connections to Jack Henry (SilverLake, CIF 20/20, Core Director, Symitar) and Fiserv (Premier, DNA, XP2, Portico) cores. We're a Jack Henry VIP Partner, Banno Certified, and a Fiserv AppMarket Partner. Accounts book straight to the core; account opening can be live in ~30 days. Check the integrations hub for your exact configuration.
ComplianceHow do you handle FinCEN CDD, beneficial ownership, and KYB for business accounts?
In the application flow, not after it. Beneficial-owner collection and certification for FinCEN CDD are built into Business Account Opening, and BusinessGuard+ runs business identity verification, Secretary of State validation, and business fraud scoring automatically. On the consumer side, KYC, OFAC, and ID verification are automated with 70+ configurable fraud and risk decisioning rules. Cotribute is SOC 2 Type 2 certified and FIS GKYC certified — the trust page has the full due-diligence picture.
OpsWill this bury my back office in a new queue to manage?
The opposite — it shrinks the queue. Nutmeg State FCU approves 89.5% of applications instantly and automated 97.6% of manual steps; CPM FCU cut manual review effort 82% in 90 days. Applications are triaged into auto-approve, auto-deny, and review, so staff time goes to genuine exceptions. Documents and e-signatures are generated automatically, including for multi-owner business accounts.
LendingCan it handle business lending, or just deposits?
Business Loan Application (BLA) supports commercial and small business loans, business lines of credit, and business credit cards — with multi-signer support, automated document collection, and business income verification. Consumer lending runs on the same platform; Red River CU lifted monthly loan applications 28% with an 83% completion rate on their highest-volume product. Loan modules typically go live in 45–60 days depending on core.
See a live demo before you commit
Get a 20-minute guided walkthrough of the consumer and business account-opening flows our community bank clients run in production.