Fast, fully digital account opening

Helping your consumers easily open accounts in-branch or online

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A seamless digital account opening experience in less than 5 minutes

Move more applications in less time with MeridianLink® Opening, the streamlined digital account opening solution that delivers speed, convenience, and 24/7 access for your consumers. Today’s consumers want to open accounts online, quickly and easily, without unnecessary friction. Designed for financial institutions looking to simplify and accelerate account onboarding, MeridianLink Opening makes it easier than ever to provide a seamless, user-friendly experience while meeting your digital account opening needs.

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.

    municipal credit union logo
    Read the case study

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

    keesler federal credit union logo
    Read the case study

Key features and benefits of
MeridianLink Opening

Multichannel experience

Consumers can apply online any time from any device.

Fast decisions

Stay ahead of the competition with a quick, simple user experience.

Simplify Operations

Eliminate silos with a connection to your consumer and mortgage LOS.

Boost wallet share

Quickly cross-sell additional loan and deposit account products.

Stronger security

Protect your data with an advanced information security program.

Reduce churn

Decrease fraudulent application approval with comprehensive verification products.

Online account opening software is a type of software that enables financial institutions to offer a fully digital process for consumers to open deposit accounts. It streamlines the application, verification, and funding stages, providing a seamless experience across various channels and devices.

MeridianLink Opening simplifies digital account opening by streamlining the entire process with an intuitive, user-friendly process. Identity verification works seamlessly in the background, ensuring secure, real-time authentication without interrupting 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 supports a comprehensive range of deposit products, including 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. 

Yes, MeridianLink Opening balances robust security with a frictionless user experience. Our platform integrates seamlessly with leading identity verification and fraud detection solutions through the MeridianLink Marketplace. These integrations enable real-time identity authentication and fraud detection, operating discreetly in the background to maintain a smooth, secure account opening process.

MeridianLink Opening includes open APIs and flexible integrations with hundreds of best-in-class technologies, including core banking systems, digital banking systems, and other preferred fintech partners.

With our software, new members or customers can open an account in as little as 4 minutes, thanks to streamlined workflows, automated processes, and a user-friendly interface.

Yes, MeridianLink Opening is designed to meet Know Your Customer (KYC), fraud detection, and compliance requirements through seamless integration with leading identity verification and fraud mitigation solutions. By embedding advanced security measures within the account opening workflow, MeridianLink Opening provides a secure and efficient digital experience, allowing institutions to confidently onboard consumers while maintaining regulatory compliance. 

Yes! Our integrated account opening and lending solutions make it possible for applicants to apply for both a loan and a deposit account in one seamless experience. There’s no need to exit or start new sessions—everything is handled in a single, unified process. 

Yes, our account opening software is designed for an omnichannel experience, allowing consumers to seamlessly complete the process across all channels—whether online, mobile, or in-branch. This ensures a consistent, smooth experience no matter how or where they engage with your services. 

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

MeridianLink Opening helps reduce abandonment rates by delivering a fast, frictionless application experience. Features like “Save Now, Finish Later,” pre-filled forms, and consistent omnichannel access make it easy for applicants to complete their applications on their terms. Real-time identity verification and fraud detection work quietly in the background to ensure security without slowing things down. Plus, our built-in cross-sell engine enables applicants to apply for multiple products in one seamless session.

Yes, applicants can fund their accounts directly during the online application process. The integration of secure payment methods ensures that they can easily deposit funds and complete the account setup in one seamless transaction. 

MeridianLink Opening offers configuration and branding options. 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.

Let’s connect!

Software as a service (SaaS) is more than just features and functionality—it also provides a dynamic and ongoing partnership. You need a partner who’s constantly innovating and knows how to provide the type of service you need to compete and grow. We’re pleased to help you get there.

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