Grow membership, loans, deposits and margins.

Digital loan applications, account opening, cross selling, new business accounts, fraud detection, operations automation - whatever your current priority, Cotribute has you covered.

Cotribute has been a force multiplier for us in standing up a solution to onboard and engage new members quickly, and helping us see results.
Darius Wise

Grow deposits with a fintech-like experience

Easy to use, mobile-friendly branded digital experience for your membership criteria, products and offers
Automatic fraud detection and KYC to filter out high risk applicants (OFAC, ChexSystems and more)
Drive account funding with multiple ways to transfer funds (ACH, credit/debit card, direct deposits etc)
Streamline document collection, e-signatures and integrate with your core and online banking
In-depth analytics to see where and why applicants abandon and optimize through A/B tests
Provide a consistent experience in-branch and on your website with support for chat, co-browsing and kiosks

Grow your consumer loan portfolio

Smart onboarding forms with ability to resume
Simplified document collection and auto-reminders
Configurable KYC, credit checking & more
Instant rate check and term selection
Automated rule-based decisioning
Integrations with LOS, core and online banking
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Increase margins through automation

Detect and prevent fraud based on IPs, email, phone, device, ID risk etc
Intelligently route applications to approve, deny and review queues
Determine stipulations dynamically and automate notifications to collect documents
Simplify KYC with automated checks with OFAC, ChexSystems and more
Integrate with online banking, core and LOS systems in real-time to eliminate
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Out-of-the-box integration with industry leading technology platforms


Get answers to all your questions (and your colleague's)

I lose 60% from start to end of the application. What options are there to manage drop off?

Cotribute includes multiple options to reduce drop offs starting with automated reminders via text and email when someone drops off, ability to resume from where they...

How do you work with a marketing automation system?

Cotribute can integrate with your existing marketing automation system through batch, API, Zapier or similar enterprise integration bus approaches. Co.tribute can also include tracking code from your marketing system to allow...

What security compliance do you have?

Cotribute is SOC 2 Type 2 certified. We conduct regular audits and penetration testing through an independent...

How do you ensure Patriot Act compliance?

Cotribute provides a KYC / KYB prescreen out of the box that is often sufficient to ensure Patriot Act compliance in...

Can you integrate with systems that might not be easy to integrate with?

Cotribute is built on a micro-services architecture with adapters for each system that we integrate with. This allows us to easily customize the adapter to with even difficult...

If the applicant meets all requirements, can the account be opened immediately?

Yes. Cotribute can integrate with your core and create the account in real-time. We also provide the option for your operations teams to review applications in scenarios where...

How would it work if Cotribute is not integrated to our core?

Cotribute offers a unique solution that allows you to quickly test and iterate without waiting for a long core integration. We do this through robotic process automation and remote...

What kind of analytics and insights will we get?

Cotribute provides a robust self serve analytics platform that is powered by a cloud-based data warehouse. Your team can visually drill down into the data and get the insights...
The platform that’s delivered results


Increase in conversion


Decrease in cost of operations

2 min

Or less to apply for a new product digitally

See how the Cotribute Platform is designed to help credit unions

The Cotribute platform is modular allows you to start with just the capabilities you need for your current priorities. You can easily add additional modules as your needs evolve.

see The Platform

Thrive in the digital era.

Find out how you can accelerate your growth using Cotribute.