Transform Your Digital Account Opening Solution

Grow deposits, reduce acquisition costs, and deliver the seamless digital experience your consumers expect—anytime, anywhere, on any device.

MeridianLink® Opening is trusted by leading financial institutions as the solution to grow deposits, attract new accounts, and build lasting relationships. Our platform unifies digital account opening and funding across all channels and product types. That means consumers can apply anytime, anywhere, from any device. As a result, you can onboard more accounts faster and reduce acquisition costs.

It integrates with MeridianLink® Consumer, Access, and Portal to connect your operations within the MeridianLink One platform. This creates smarter cross-selling and a smooth, mobile-first account opening experience for every customer.

From identity verification and OFAC checks to e-signatures, switch kits, and seamless core connectivity, you can deliver a secure, customer-first experience with each interaction.

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MeridianLink Opening Features

Single Digital Account Opening Platform

Provide a smooth, consistent account opening experience across online, mobile, and branch channels with a single platform.

Full Deposit Account Suite

Supports all deposit products your
institution offers, making it easier for consumers to choose you.

Robust Core System Integration

Connect with your core system to centralize data, simplify processes, and improve operational efficiency.

Dynamic Workflow

Customize and automate your processes to minimize manual tasks and speed up account opening.

Flexible Decisioning

Streamline approvals with automated decisioning that quickly identifies and qualifies the right applicants.

Powerful Configurability

Tailor the application experience to align with your workflows and products.

    Service through a speedy, efficient, streamlined process. We pride ourselves on our ability to provide top-notch experiences without sacrificing the human element. Thanks to our partnership with MeridianLink, all of this and more are possible.

    Learn how we support the consumer’s entire financial journey

    read their story

MeridianLink Opening is
Designed For Your Success

Powerful Digital Account Opening

Empower applicants to apply, verify identity, e-sign documents, and receive instant decisions on deposit accounts—with core account records created automatically in minutes.

Reduce Churn Through Better Verification

Leverage advanced identity verification and fraud detection tools to drastically cut fraudulent applications, protect assets, and build trust with new account holders.

Boost Revenue With Smart Cross-Sell

Seamlessly integrate with our loan origination solution to unlock intelligent cross-sell opportunities, deepen existing relationships, and increase share of wallet.

Resources

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 MeridianLink Insight Lite, 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. 

Let’s talk — whether you’re in the preliminary stages of research or looking for detailed answers that may require a demo, our team is always available to discuss your options and how we can help

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