Community financial institutions deserve technology as good as their products.
Founded in Anaheim in 2015, Cotribute is the growth layer credit unions and community banks put on top of the core and loan origination systems they already run. One platform connects account opening, lending, fraud decisioning and AI Growth Agents, without a core conversion or an LOS replacement.
The products were already competitive. The path to them was not.
The gap is mechanics, not product. Credit unions and community banks compete through rates, service and a genuine stake in the people and places they serve. But too often, the path between choosing an institution and funding an account is divided across systems, vendors and handoffs.
Cotribute was founded to close that gap. Since 2015, we have built the integration and configuration layer that works with the cores, loan origination systems and digital banking platforms financial institutions already run. Instead of rebuilding digital origination from scratch, an institution can configure proven flows and launch without replacing its systems of record.
What began with digital onboarding now spans consumer and business account opening, lending, fraud and decisioning, in-session activation, and AI Growth Agents for acquisition, cross-sell and relationship growth. The premise has not changed: the institutions closest to their communities deserve technology as good as their products.
One growth platform, built around the institution you already are.
Start with the part of the journey that is costing you growth. Add the next layer when it is useful. The same record, integrations and operating model carry across all of it.
One entryway across products and channels
Consumer and business deposits and lending across digital, mobile, branch and service-center channels, with automatic recapture when an application stops.
Rules the institution controls
Configurable fraud, identity and decisioning controls that run before an account is created, with the institution's team setting the rules.
The relationship starts in the same session
Fund the account, add owners, complete disclosures and begin the next relationship in the same session. AI Growth Agents recommend; people and configured rules decide.
Fed, not replaced
Real-time connections to 11 of 13 supported cores and 36+ direct API integrations. The core, LOS and digital banking platform are fed, not replaced.
We measure our work in our clients' numbers.
The work is measured after go-live.
We exist to help people, businesses and communities thrive in an increasingly digital world. We do that by helping the financial institutions closest to them deliver incredible digital experiences and measurable growth.
Define growth at kickoff
Deposit growth, loan growth and membership growth are defined at kickoff, so the work is measured against the institution's priorities rather than feature delivery alone.
Connect the journey
The core, LOS, digital banking platform and chosen vendors stay in place. Cotribute connects the journey around them.
People and rules decide
Fraud rules are configured with the institution. AI Growth Agents recommend and prepare; staff and configured rules decide.
Two teams, assigned to you
A named project manager and implementation team get the platform live and remain through 60 days of hypercare. A growth team continues with quarterly analysis across conversion, activation, cross-sell and relationship growth.
Cotribute at a glance
2015 · Anaheim, California
Built for credit unions and community banks across the United States.
90+ product templates
Configurable experiences across deposits, lending and more.
13 cores · 36+ APIs
Real-time on 11 supported cores, with direct integrations across the financial technology stack.
Clients of 8+ years
An NPS of 90 and an operating model built around implementation support, hypercare and quarterly growth reviews.
Certified where it counts
Independent security certification and partner validation from the platforms our clients run on.
SOC 2 Type 2
Independently audited security, availability, and confidentiality controls.
Jack Henry VIP Partner
Vendor Integration Program partner across Symitar, SilverLake, CIF 20/20, and Core Director.
Corelation Preferred Partner
Preferred partner with deep KeyStone integration.
Banno Certified
Certified for the Jack Henry Banno digital banking platform.
Fiserv AppMarket Partner
Partner across DNA, XP2, Portico, and Premier cores.
FIS GKYC Certified
Certified against FIS's Global KYC program requirements.
Built by a team that has built together before.
Cotribute's leaders bring experience across enterprise software, technology, finance, operations and growth. Many worked together before Cotribute. That continuity shapes how the company builds, implements and stays accountable after launch.
Meet the leadership team → See customer results →
"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."
See where Cotribute fits at your institution.
Bring the products, systems and growth priorities that matter most. We will show you what Cotribute can change and what stays exactly where it is.