Meridianlink Opening

Streamline account opening. Accelerate growth.

MeridianLink® Opening is a leading digital account opening software that helps financial institutions simplify and accelerate onboarding for checking, savings, CDs, and more.

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Capture more deposits, faster

By combining automated workflows, advanced fraud protection, and an intuitive user experience, MeridianLink Opening enables you to capture more deposits, reduce risk, and increase conversions—without adding operational strain.

Digital account opening
built for you and your consumers

Engage applicants where they are

A mobile-first experience makes it easy for people to apply anytime, anywhere—reducing abandonment and increasing completed applications.

Onboard consumers with confidence

Identity verification and fraud checks happen automatically behind the scenes, keeping accounts safe while applicants move through the process quickly.

Fund new accounts immediately 

Real-time funding gets accounts active instantly, improving satisfaction and accelerating time-to-value.

Trusted by Community Banks and Credit Unions

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  • axos bank
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benefits

Smarter, more secure
digital account opening software

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Cut abandonment rates

Reduce application abandonment with a mobile-first design, save-and-resume functionality, and clear progress indicators.

Stop fraud early  

Protect against fraud before account creation with advanced ID verification and risk scoring.   

Simplify compliance

Support compliance with built-in BO, CIP, and KYC workflows plus FinCEN/AML/OFAC screening and audit tracking.

Increase cross-sell success  

Boost share-of-wallet growth with targeted product offers triggered mid-application using real-time credit data.

Accelerate account opening

Speed onboarding with direct core integration that eliminates redundant data entry.

Reduce operational costs

Lower operational costs by automating routine verifications and document handling.

Let’s connect!

See how you can simplify onboarding and securely bring in more deposits, without adding complexity to your operation.

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Open more accounts with less friction

With MeridianLink Opening, your team and consumers can benefit from faster applications, fewer clicks, and smoother workflows. Applicants can start their journey from any device, verify their identity, e-sign documents, and receive instant decisions—all while your core system updates automatically in seconds.

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Higher conversions

Streamline every step—hide unused fields, condense multi-step actions, and simplify workflows—so applicants can complete accounts smoothly.

Automated approvals 

Move qualified applicants forward instantly, reduce manual review, and speed onboarding for your team and customers.

Ready-to-use accounts 

Sync directly with your core, eliminate duplicate data entry, and enable secure, paperless account setup so new accounts are ready to use immediately.

Customer success stories

  • Deposit growth that
    outperforms your peers

    Learn how our customer accelerated deposit growth beyond industry benchmarks by optimizing workflows and elevating their onboarding experience with intelligent automation.

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  • “Partnering with MeridianLink allowed us to provide an exceptional digital experience, transforming our member acquisition strategy and making us more competitive in the market.”

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One Powerful Platform

MeridianLink One

Unlock your potential by bringing together digital lending and deposit account opening with targeted engagement, personalized service, and powerful data and analytics—all through one seamless platform.

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Blogs to inform and inspire

Digital account opening (DAO) is the end-to-end process of allowing individuals or businesses to open a bank account online—without visiting a branch. It enables banks, credit unions, and digital lenders to onboard new customers through secure, mobile-first experiences. These experiences verify identity, capture required documentation and instantly fund or activate accounts.

MeridianLink Opening is a digital account opening solution that enables financial institutions to deliver fast, frictionless, and secure onboarding experiences for new and existing consumers. With features like real-time identity verification, automated decisioning, and smart cross-sell capabilities, it helps banks and credit unions drive deposit growth. It also increases conversions and reduces operational overhead. 

MeridianLink Opening streamlines digital account opening with an intuitive, user-friendly process. Identity verification works seamlessly in the background, ensuring secure, real-time authentication. This ensures no interruptions in the applicant’s experience. This automated process, combined with easy integration into your existing systems, allows for quick account creation and funding—providing a fast, efficient, and secure digital experience for your consumers. 

MeridianLink Opening enables consumers to open a deposit account in under four minutes, thanks to its streamlined, omnichannel design and intuitive workflows. Process automation reduces friction, while real-time identity verification and fraud protection work seamlessly in the background. This ensures security and compliance. This blend of speed, security, and simplicity drives higher conversion rates. It also builds trust, setting MeridianLink Opening apart in the digital account opening space.

Yes, MeridianLink Opening is built to serve the unique needs of community banks, credit unions, and other financial institutions seeking scalable, digital-first solutions.

Yes, our products include open APIs and flexible integrations with hundreds of best-in-class technologies. These include core banking systems, digital banking systems, and other preferred fintech partners.

MeridianLink Opening supports a comprehensive range of deposit products. These include checking accounts, savings accounts, money market accounts, CDs, and IRAs. This versatility allows financial institutions to cater to diverse consumer needs within a single platform. 

MeridianLink Opening makes it easy for consumers to open and fund accounts in just minutes—anytime, on any device. The process is fast, secure, and user-friendly, with real-time identity checks and fraud protection running quietly in the background. User-friendly, guided workflows reduce friction. Additionally, personalized product recommendations help consumers get more value in a single session—creating a smooth, satisfying experience from start to finish. 

Yes, with MeridianLink Opening you can tailor application workflows, adjust fields and rules, and apply your logo, colors, and messaging to deliver a consistent brand experience throughout the consumer journey.

Yes, our deposit account opening solution includes built-in features and a robust network of third-party integrations to support compliance and fraud protection. 

The platform includes a native, intelligent cross-sell engine that helps you easily analyze consumer data. You can identify and recommend pre-qualified products that may be of interest. The consumer can even choose to apply for the product within the same application session. This makes it easier for you to boost share-of-wallet and strengthen relationships.

MeridianLink Opening offers robust analytics and reporting tools designed to help financial institutions monitor performance. They identify trends and make data-driven decisions. Out of the box, it includes customizable reports, interactive dashboards, and access to up to three years of origination data. For deeper insights, the platform integrates seamlessly with our turnkey business intelligence solution, MeridianLink Insight. This offers advanced analytics and trend forecasting.

Yes, MeridianLink provides training and support options tailored to your needs. From onboarding to guided setup, continuous optimization support and even training certifications, we offer the tools and expertise you need to fully leverage our solutions for ongoing success. 

Implementation timelines vary based on your institution’s size, goals, and system complexity. MeridianLink offers flexible support models tailored to your institution’s needs. This provides a seamless transition and ongoing success.