The technology force multiplier for financial institutions.
We help financial institutions deliver incredible digital experiences. Founded in 2015 in Anaheim, California, Cotribute powers digital growth for credit unions and community banks nationwide.
Our story
Credit unions and community banks have the best financial products in America — better rates, lower fees, and a genuine stake in the people they serve. What they've historically lacked is the digital layer to deliver those products the way a fintech does: on a phone, in minutes, without a branch visit.
That gap is the company. Since 2015, we've built the integration and template layer that sits on top of the cores community institutions already run — real-time connections to Jack Henry, Corelation, and Fiserv cores, and 90+ configurable product templates spanning deposits, lending, and business banking. Instead of every institution rebuilding digital onboarding from scratch, they configure proven flows and launch in weeks.
Today that platform spans account opening, lending, fraud and decisioning, and — since June 2025 — agentic AI Growth Agents operating with humans in the loop. The premise hasn't changed: the institutions closest to their communities deserve technology as good as their products.
What we believe
Why we exist
We exist to help people, businesses and communities thrive in an increasingly digital world.
Where we're going
A future where every community financial institution competes on digital experience as confidently as it competes on rates, fees, and service.
What we do
We help financial institutions deliver incredible digital experiences — the technology force multiplier for credit unions and community banks.
How we work
Ship what we promise. Measure results in our clients' numbers, not our own. Earn trust the audited way — our 90% NPS (November 2024) comes from clients of 8+ years.
Certified where it counts
Security certification and partner validations 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.
"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."
Meet the people behind the platform on our leadership page, or see the results on our customer stories.
See what we've built
Try 90+ live product demos, or start a conversation about your institution.