Digital Banking

Upgrade to seamless, secure payments and digital banking for connected members.

CO-OP’s digital solutions bring members fast, safe and easy P2P payments, mobile banking that is as simple as it is powerful, and bill pay with an elegant and easy-to-use interface.


Growing Member Engagement is Easier with P2P Payments

Zelle® is a fast, safe and easy way to send and receive money with friends, family and others you trust. We are thrilled to now offer CO-OP credit unions the opportunity to provide their members with access to Zelle in their mobile banking solution. 

With Zelle, your members can safely and securely send, request, receive and split expenses between friends, family members and others, right from their smartphone (and typically in minutes between enrolled users). Zelle provides consumers with the simple day-to-day features they prefer, including direct account-to-account payments and a fast way to send and receive money.

For your credit union, Zelle is more than a mobile payment solution. It’s a powerful branding and engagement tool that allows you to be there for members during common everyday moments – from splitting the cost of a lunch tab with friends to paying the sitter to paying your rent.  

Ultimately, offering simple and convenient solutions are the touchpoints that count with members – and that help pave the way toward earning the coveted Primary Financial Relationship (PFR) status with your members.

Why Zelle?

  • Consumers continue to choose Zelle - 2020 was a record year for Zelle Network®, with:

    • $307 billion in payments processed

    • Sent payment values increasing by 62% year over year

    • Transaction volumes increasing by 58% year over year1

  • The Zelle Network is far reaching – almost anyone with a U.S. bank or credit union account can enroll. Enrolled members can send money and request payments using only an email address or a U.S. mobile telephone number.

  • Members love the Zelle experience – it’s fast, safe and easy.

Why Partner With CO-OP to Offer Zelle?
In developing our implementation solution for credit unions within the CO-OP ecosystem, we have invested time and resources on your behalf, working closely with our technology partners and Early Warning Services, LLC, the owner and operator of the Zelle Network. As a result, we’ve laid the technological foundation for you, delivering a platform that makes Zelle efficient, easy and affordable for credit unions to implement.

Zelle transactions also represent an all-new source of member data for the CO-OP community, insights we are leveraging to secure and enrich future member experiences.

Zelle and the Zelle-related marks are wholly owned by Early Warning Services, LLC and are used herein under license. 




Help your members engage more fully and take control of their credit accounts. With MyCardInfo, your members have convenient, real-time access to account-overview information, including account activity, statements, payments and more—everything they need to stay on top of their credit accounts with confidence.

It’s a mobile-friendly, self-service web platform that quickly adapts to members’ emerging needs while helping you remain relevant as technology evolves.

Sprig by CO-OP

Deliver a full-featured turnkey mobile banking solution with quick, cost-effective implementation. Sprig by CO-OP gives members convenient mobile access to all their accounts.

It’s a flexible, on-the-go solution your members will thank you for.

Backed by Sprig’s user-friendly functionality, members can conduct daily account activity with ease. Making transfers, depositing checks and sending money becomes a simplified, high-quality experience. In-app support, courtesy of CO-OP, adds an additional layer of expertise.

CO-OP Mobile

Custom Branded and Simple for You

Mobile banking is the most frequent point of contact for many credit union members. CO-OP Mobile allows you to provide a leading-edge, custom-branded app tailored to the needs of both you and your members – without the costly, time-consuming complexities of developing a solution in-house.
If you’re already using CO-OP Shared Branching, adding CO-OP Mobile is a breeze. If you’re new to the network, CO-OP Mobile opens the doors to a new and continuously developing universe of great technology.


CO-OP Bill Pay

World-Class Bill Pay – Now within Your Reach

Paying bills online or by mobile device is an expected convenience. Delivering an experience that’s smooth, secure and convenient raises the bar on member engagement and loyalty. How do you find a bill pay solution that works as well for you as it does for your members?

CO-OP Bill Pay offers four different options:

  • MemberPayPLUS, available through CO-OP’s partnership with digital banking provider Alkami, is a premium, fully-hosted solution that works as part of a comprehensive home banking platform.
  • CO-OP Bill Pay API can be integrated into CO-OP Mobile as an optional feature.
  • MemberPay offers basic hosted online bill pay.
  • Member Gateway works with your existing online banking to provide a “remit only” solution.