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Deposit Account Opening

Onboard faster, connect deeper

Opening accounts can feel like a chore. Clutch makes it personal, fast and  simple. Prefilled forms, fewer steps, no dead ends – just a straight line to  acquire, qualify and activate relationships. 

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We’re rolling in branch! What used to take us 45 mins now takes us 7. We can have better conversations and serve two members in the time of 1the time it took us to serve one.

Donna Bland 
CEO
Golden 1 Credit Union

Elimination of
80-90%
of fraudulent actors
- Firstmark Credit Union
227%
Increase in accounts opened in the first week of go-live
- Launch Credit Union
50%
increase in deposit account applications and monthly membership
- Firstmark Credit Union

KEY BENEFITS

"Show me you know me" personalization

Personalization isn’t about using someone’s name;  it’s about removing friction before it appears. Clutch uses 1st and 3rd party data to prefill forms, qualify membership, verify identity and surface offers that feel intuitive, not intrusive. Every interaction says, “We know you, and we’ve got this.”

Fund first, verify smart

Every application costs you money – from verification checks to operational overhead. But not every applicant follows through. Clutch reorders the flow to protect your ROI: funding details are captured before IDV costs are incurred, filtering out low-intent users early. 

Embedded activation

End-to-end journeys ensure the relationship doesn’t stop at “approved and funded” – it starts as “active. Usher new members into digital banking setup immediately after funding to drive utilization and retention.

“The big thing for us on the deposit side has been the elimination of probably 80-90% of the fraudulent actors.”

Greg Thorne
Chief Experience Officer
Firstmark Credit Union

Verify trust, minimize friction

Most verification systems treat every applicant like a potential threat. Clutch takes a smarter approach – verifying trust instead of simply verifying identity.  The result: fewer false positives, faster onboarding, and an experience that feels seamless for members and safe for you.

Power that scales with every "what if"

Credit unions don’t serve generic members – they serve real people with complex needs and unique account types. Clutch is designed for that reality. It flexes for SEG memberships, supports specialized products like trust or tax-advantaged accounts, and seamlessly bridges deposits and lending into a single journey.

“Because of the success of our initial product launch we quickly scaled our strategy across all of our loan products.”

Shawna Broyles
Marketing manager
Abound Credit Union

Speed to value - without the risk

Go live fast and confidently. Clutch’s repeatable deployment model, prebuilt integrations, and proven partner ecosystem make onboarding predictable and low risk. You get measurable impact in weeks, not quarters, backed by a team that’s done this dozens of times before.

Outcomes we drive 

Get more members to the finish line

When applications flow without friction, more members reach the finish line. Faster journeys, higher completion rates, and stronger growth from the same traffic

Keep the work moving to drive efficiency at scale

Intelligent workflows - not generic automation. Members never stall, staff never chase. Keep applications in motion, and your team focused on what matters most

Build relationships from day one

Relieve your team from chasing documents and arm them with personalized intelligence so they can always stay one step ahead and focus on what really matters.

Experiences that work so well, they disappear

The best digital journeys don’t draw attention - they remove it. Every click is clear, every step predictable, and members finish without ever feeling lost

One platform, infinite value

Clutch DAO runs on the same rails as our Staff Portal, Lending and Cross-sell experiences. That means omnichannel continuity, shared member data, faster decisions, and a unified experience for members and staff

From bottleneck to breakthroughs

Transform Friction into Forward Motion

Move away from what’s holding you back

  • Disjointed onboarding that frustrates members and staff.
  • Manual reviews and follow-ups that slow every application.
  • Drop-offs caused by friction, confusion, or redundant steps.
  • Delayed or incomplete funding that hurts ROI.
  • Rigid identity checks that block good members and miss real risks.
  • Lengthy deployments that delay outcomes and increase risk.
  • Disconnected tools and data that limit visibility and scalability.

To fintech speed with a personalized touch

  • Connected journeys that feel effortless from start to finish.
  • Intelligent automation that keeps workflows moving and frees your team to excel.
  • Simple, guided experiences that drive more members to the finish line.
  • Funding-first flows that convert faster and protect your investment.
  • Adaptive verification that minimizes friction for trusted members.
  • Rapid implementation that delivers measurable impact in weeks.
  • Account opening that can be implemented stand-alone or as part of an integrated suite.