Effortless opening and onboarding for your financial products - anywhere, anytime

Built for Credit Unions and Banks, Cotribute is a consumer and business account opening and loan application platform with built in marketing and fraud protection automation.

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TRUSTED BY LEADING FINANCIAL INSTITUTIONS INCLUDING
Modern UX
60%
Increase in conversions
Configurable UX
5X
Increase in new customers
Back Office Process Atuomation
~98%
Automation of Manual Steps
Applications Handled via Auto-Decision
~85%
Automation of Existing Criteria

Accelerate Member and Customer Growth and Engagement

  • Transform Onboarding Efficiency

    Cotribute’s streamlined onboarding process speeds up customer acquisition with 5x faster rates and account openings completed in under 2 minutes.

  • Boost Engagement Through Automation

    With automated cross-selling capabilities, Cotribute empowers financial institutions to increase deposits, expand wallet share, and attract more customers.

  • Highly Configurable Experiences

    Support over 45 financial products with intuitive, API-enabled workflows that adapt to your customers’ needs—anywhere, anytime, and on any device.

Drive Operational Excellence

  • End-to-End Automation

    Eliminate manual bottlenecks by automating 85% of decision-making processes, from fraud detection to core system updates.

  • Seamless System Integration

    Cotribute integrates effortlessly with core banking systems, loan origination software, and digital platforms, ensuring smooth adoption and operational continuity.

  • Empower Your Team

    Free staff from repetitive tasks so they can focus on delivering high-value customer experiences.

Detect Fraud Proactively

  • Cutting-Edge Fraud Prevention

    Leverage advanced fraud detection tools, real-time KYC and KYB checks, and liveness detection to minimize fraud risks while improving conversion rates.

  • Boost Compliance and Accuracy

    Integrated data sources and configurable fraud rules ensure all processes meet the highest compliance standards, reducing errors and building trust with your customers.

  • Improve Customer Retention

    Reduce application drop-off rates by 60% with secure, efficient, and customer-friendly onboarding flows.

Optimize with Advanced Analytics

  • Gain Real-Time Insights

    Track and analyze every step of the customer journey with real-time data. Our platform empowers you to identify bottlenecks, optimize workflows, and enhance user experiences, ensuring your onboarding process operates at peak performance.

  • Predict and Adapt

    Leverage predictive analytics to stay ahead of customer needs and market trends. With instant access to actionable insights, your institution can proactively adjust strategies to improve approval rates, reduce drop-offs, and meet compliance goals.

  • Continuously Improve

    Turn data into opportunities for growth. Our advanced analytics enable iterative refinements to your onboarding process, helping you drive measurable outcomes such as increased customer acquisition, reduced operational costs, and higher satisfaction rates.

Out of the box integrations with leading platforms

See how

Best-in-class opening and onboarding for Deposit, Loan, Insurance and Investment Products

Consumer checking account

Get a $50 Starbucks Card when you open a checking account.

Checking
Consumer

Student checking account

A fee-free bank account for students with a debit card and parental controls.

Checking
Consumer

Business checking account

Simplify money management with our checking account for established business, and get 500 free transactions per month!

Checking
Consumer

Small business checking

The right account for micro-businesses with a growing transaction volume.

Checking
Business

Money market savings

Earn more when you save more with our superior APY.

Savings
Consumer

Emergency savings

Set it and forget it - the easiest way to build your Emergency fund.

Savings
Consumer

Don’t just take our word for it.

See what our clients are saying about us.

“Our collaboration with Cotribute has truly been life-saving!"

We experienced a critical setback with another vendor who couldn’t deliver on their technology promises, and we turned to Cotribute to ask if they could help us launch an entire Online Account Opening (OAO) platform in 30 days – what!! They nailed it, not only did they meet our deadline for OAO, but they helped us launch their IDG platform in just 2 weeks from project initiation.

We were able to capture additional member deposits and saved our new strategic product release which had been working on for the past year. Cotribute was able to blend speed and professionalism under the tightest of deadlines. We couldn’t be more excited to ride this wave with our new strategic partner and look forward to scaling new heights together.

Kent Richards
Chief Information Officer

“Selecting Cotribute as a strategic partner reflects our shared vision in achieving innovation and excellence

At Nutmeg, we envision a future where banking is not just a necessity but also a seamless part of our members’ lives. Through our strategic partnerships and the dedication of our cross-functional teams, we are breaking new ground in omnichannel service delivery, ensuring that every interaction is as meaningful as it is effortless. Our goal is to be more than just a financial institution; we aim to be a lifelong partner to our members, empowering them with the tools and support they need to achieve their financial dreams.

Selecting Cotribute as a strategic partner reflects our shared vision in achieving innovation and excellence. Our partnership has proven successful due to Cotribute’s cutting-edge technology and collaborative approach which have been instrumental in transforming our operations and enhancing our member services.

John Holt
Chief Executive Officer

“With Cotribute, we have the flexibility to select the capabilities we currently need, as well as the ability to adjust and configure the system to adapt to market changes. ”

We know a one-size-fits-all digital business banking experience isn’t going to meet the unique needs of businesses in our community, and we are committed to providing the modern financial tools and services needed to be successful.

With Cotribute, we have the flexibility to select the capabilities we currently need, as well as the ability to adjust and configure the system to adapt to market changes. The streamlined applicant consent process combined with automated decisioning will be a game-changer for employees, enabling them to focus their time on building relationships with members instead of manually processing paperwork.

John Anderson
Chief Lending Officer

“Cotribute’s platform will enable us to provide a highly intuitive digital account opening process and loan origination process.”

Cotribute has garnered significant recognition for its seamless integrations and ease of implementation and we’re looking forward to having them migrate our processes to a fully digital environment in a matter of weeks, which is unfounded in this industry.

Cotribute’s platform will enable us to provide a highly intuitive digital account opening process and loan origination process. Our members will now enjoy a more modern experience enabling us to compete with larger financial institutions in our community.

Meghan Kraft
SVP - Operations

“In my decades of leading credit unions, Cotribute is one of the best technology partners that I have experienced."

Their innovative growth platform helps us achieve our growth and operational efficiency goals by layering an exceptional member experience over our legacy and core systems. Cotribute’s best-in-class digital onboarding templates for loan and deposit products provide a “Chime like” experience for prospective and existing members and enable us to realize benefits in weeks

Pat Ahern
President & COO

“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. With Cotribute, we’ve been able achieve up to 4X increases in engagement rates during the onboarding process.

Vanessa Sanchez
AVP - Marketing

Cotribute in the news

See what other credit unions, industry leaders and press are saying about Cotribute

Thrive in the digital era.

Find out how you can accelerate your growth using Cotribute.
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