Solution Accelerator
Deposit Account Opening. First Click to Funded Account.
A pre-configured, production-ready onboarding workflow for credit unions and community banks. Checking, savings, shares, term certificates, and add-on products in a single application.
Account Opening Is Still the Weakest Link in Member Growth
Most banks run onboarding across disconnected systems, manual steps, and inconsistent digital forms. The result: friction that drives applicants away before they ever fund an account.
Fragmented Experience
Different systems for online vs. branch. Applicant data doesn’t carry across channels.
Manual Verification Bottleneck
Identity checks, compliance, and risk reviews handled by staff instead of automated in-flow.
Abandoned Applications
Too many steps, too much friction. Applicants drop off before funding.
Slow Time to Market
Launching a new deposit product or changing eligibility rules means IT backlogs and vendor cycles.
From Application to Active Account in One Continuous Flow
Externalize
Identity, KYC/AML, and risk checks run automatically before product selection. Phone verification, ID scanning, address validation, and deposit screening in one pass.
- KYC/AML
- ID Scan
- Risk Scoring
Select
Applicants choose products in a single application. Bundling rules auto-add required accounts, enforce limits, and surface add-ons like debit cards and overdraft protection
- Bundling
- Cross-sell
- Add-ons
Complete
Disclosures acknowledged in-workflow. Contracts generated and signed electronically with sequential signing for co-applicants. ACH funding with real-time balance verification.
- Bundling
- Cross-sell
- Add-ons
Review
Clean applications create accounts automatically. Exceptions land in a unified back-office portal with full visibility into data, documents, and verification results.
- Bundling
- Cross-sell
- Add-ons
What's in the Box
A production-ready accelerator package. Not a blank canvas, not a proof of concept. Pre-configured, pre-integrated, ready to tailor to your institution.
Works With Your Core. No Migration Required.
Integrates directly with your core banking system for member lookup and account creation. No migration project, no disruption to existing operations, no risk to current member services.
Different systems for online vs. branch. Applicant data doesn’t carry across channels.
KYC/AML screening. Available through Prove in v1.0.
Document-based identity verification. ID scan + selfie match.
Account risk assessment and QualiFile scoring.
Address validation, county-level membership eligibility matching.
Member lookup at start, account creation and funding at completion.
Bank account linking, identity match, balance verification for.
Member lookup at start, account creation and funding at completion.
What DAO Delivers
Measured against typical bank onboarding benchmarks.
30–50%
Faster Time to Market
Pre-configured workflows and no-code configuration mean new deposit products go live in weeks, not months of development.
10–20%
Conversion Uplift
Fewer drop-offs with a single continuous flow. Automated verification eliminates manual hand-offs that lose applicants.
~50%
Efficiency Gains
Straight-through processing for clean applications. Staff only review flagged exceptions, not every application.
Build the Future of Finance
With FintechOS, financial institutions can continuously design, launch, and evolve products across banking and insurance.
Your Team Owns the Experience
No IT tickets. No vendor release cycles. Configure and update everything your members see and interact with.
Products & Pricing
Different systems for online vs. branch. Applicant data doesn’t carry across channels.
Eligibility Rules
Membership criteria, residency checks, affiliation requirements.
Disclosures & Consent
Regulatory documents, consent flows, compliance language.
Branding
Colors, logos, copy, and member-facing look and feel.
Funding Methods
ACH, internal transfers, and funding rules.
Add-On Services
Debit cards, overdraft, e-statements, and opt-in workflows.
Real Results from Real Institutions
See how banks and credit unions have used this accelerator to move faster and convert more members.
Averil Nolan
Head of Mortgage Strategy and Transformation, Avant Money
“With FintechOS, we created a more transparent and collaborative mortgage journey by bringing customers, brokers, and our internal teams into one shared process. That visibility across the lifecycle has helped us make decisions faster and deliver a clearer and more efficient experience without disrupting our existing systems.”
Maja Mikic
Executive Director for Digital Transformation, BRD Groupe Société Générale
“To the banks who are looking for a reliable IT partner who can help them bring the digital sales channels fast to the market in a reliable and consistent way, I would definitely recommend working with FintechOS.”
Pritpal Powar
Pet Director, Admiral
“With FintechOS we were able to meet our aggressive launch deadline, while also delivering an innovative digital pet insurance solution.”
Kevin Knorr
CIO, MHG Insurance
“FintechOS doesn’t have the limitations we’ve found with other products… FintechOS differentiates us from other companies.”