Built for banks' business deposits. We're built for FI growth.
Prelim (Y Combinator '17) is a capable digital account-opening platform whose center of gravity is business deposit onboarding at banks, with 50+ integrations, a Fiserv Premium App partnership, and a Finastra Phoenix embed.
Side by side
| Cotribute | Prelim | |
|---|---|---|
| Center of gravity | Credit unions + community banks; full origination-to-growth platform | Banks; business deposit account opening |
| AI | 3 agentic growth agents in production | Workflow automation; ask what AI is live |
| Cross-sell | AI-driven during and after onboarding | Limited |
| Channels | Web, mobile, branch, call center | Digital-primary |
| CU cores | Real-time: Symitar, KeyStone, Fiserv (Jack Henry VIP, Corelation Preferred certifications) | Bank-centric stack (Fiserv Premier/Signature, Finastra Phoenix, Q2) |
| Proof | 5 named FI case studies with quantified outcomes | Named bank deployments (e.g., Stearns Bank) |
Where Prelim genuinely fits
You're a bank whose #1 priority is commercial/business deposit onboarding on a Fiserv or Finastra bank core.
Where Cotribute wins
Credit unions (deep CU-core certifications and CU case-study proof), the full member/customer lifecycle (acquisition → deposits → lending → cross-sell), and every channel including branch and call center.
"Corelation's open architecture enables partners like Cotribute to bring next-level capabilities directly to our clients."
Tim Maron, CRO, Corelation
Questions for both of us
Put these to Prelim and to Cotribute. Here's how we answer them.
How many credit union customers, on which cores?
Our answer: Cotribute serves credit unions and community banks in production nationwide, with real-time integrations to Jack Henry (Symitar, SilverLake, CIF 20/20, Core Director), Corelation KeyStone, and Fiserv (DNA, XP2, Portico, Premier) — backed by Jack Henry VIP Partner and Corelation Preferred Partner certifications. If you're a credit union, ask any bank-centric vendor which CU cores are live in production, at which named institutions.
What's live for consumer lending?
Our answer: consumer and business lending run in production on the same platform as deposits. Red River Credit Union ($1.6B in assets, 123K members) lifted monthly loan applications 28% with an 83% completion rate on its highest-volume product. If a vendor's center of gravity is business deposit onboarding, ask what a lending rollout would actually involve.
What AI drives acquisition and cross-sell — and where is it deployed?
Our answer: three agentic AI Growth Agents — Acquisition, Cross-Sell, and Relationship Growth — in production since June 2025, human-in-the-loop, no autonomous actions, no member data in public models. Workflow automation speeds up onboarding; growth agents fill the funnel and deepen relationships after it. Ask every vendor which is which, and where it's live.
Compare us hands-on
Explore live demos and pricing yourself, then bring both vendors your hardest questions.