The relationship starts before they close the tab.
Funding, a joint owner, disclosures, e-signature and the direct-deposit switch all complete inside the application — then write to your core and prove it.
We originate, so the trigger is the event itself.
Cotribute wrote the record. The moment an account is booked is a live event in the platform, which is what makes the next action possible while the member is still in the session.
Native on the platform, and on your own vendor contracts.
Native, in-session
Funding on the payment rails already integrated. A joint owner or authorized signer added with their own identity verification and watchlist screening. Beneficiaries. A second share or a loan application attached to the membership. Disclosures and e-signature on a versioned step. Each written to your core.
58% of applications reach a funded account across our client portfolio, against a 23% industry figure.Cotribute portfolio median & Cornerstone Advisors and Alkami · May 2026
Orchestrated, on your contract
The direct-deposit switch, wallet provisioning and merchant card-on-file run through the provider you already contract with — your vendor, your pricing, no markup from us.
Connected today: Atomic, ClickSWITCH, InstaSwitch, Knot, Plaid, REPAY, Stripe, Jack Henry SmartPay Vault, Vital and NACHA ACH export.Integrations · September 2026
And the requests that arrive later
The same verified session handles what comes after funding — an address change, a card action, a beneficiary, statement preferences. Authenticated, written to the core, evidenced, and never a branch visit.
70% reduction in processing time.Capitol Credit Union of Texas
Questions we get
Does this add work for my branches?
The opposite is the intent. Actions complete in the member’s own session and write to the core, so they do not arrive as a branch queue or a call-back list. Anything needing staff judgment is captured and routed deliberately rather than attempted self-service.
What sits behind an ownership change?
Document identity verification with the role recorded, OFAC and PEP screening, and velocity rules. Money movement sits behind a one-time passcode to the phone of record. One ordering rule is enforced: the phone of record cannot be changed and an ownership action performed in the same session.
Do we need a new vendor for the deposit switch?
No. If you already hold a switching contract we invoke it inside the session on your agreement. If you do not, we will tell you what it costs and introduce you directly.
Why do new accounts stay unfunded?
Because in most stacks activation is a separate campaign that runs after the account is booked, so the institution has to persuade the member back. Cotribute originates, which makes the booked account a live event: funding, disclosures and the direct-deposit switch complete in the same session.
What completes inside the application session?
Funding, a joint owner with their own identity verification, disclosures, e-signature and the direct-deposit switch — then all of it writes to your core. Across the Cotribute portfolio 58% of applications reach a funded account, against a 23% industry figure.
Do we have to buy a deposit-switch vendor from Cotribute?
No. Where a third party does the work — direct-deposit switching, wallet provisioning, merchant card-on-file — it runs on your own contract at your pricing. Cotribute invokes it inside the session on your agreement.
Can offers be based on what a member already holds?
Yes, decided on live core data inside the opening flow. One institution in production hides a checking product from members whose accounts already hold particular product types, so the offer reflects the relationship rather than a static rule set.