The simplest way to open accounts online.

How oFlows helps

Have you ever been so amazed by an online shopping experience that it changed your impression of a company forever? We have and we know that first impressions can be lasting.

Very often, the first interaction that consumers have with a bank or credit union happens when they open new checking or savings accounts and, increasingly, that's happening online.

We've spent years studying online applicants and we've leveraged usability best practices and mobile device capabilities to make the hard stuff easy – like providing supporting documents, signatures, and funding accounts.

With oFlows, applicants can open retail checking, savings, money market, and CD accounts in real-time using any type of device - smartphones, tablets, and Macs/PCs.

oFlows lets you cross sell loans or additional deposit products and applicants can accept your offers without rekeying their information.

Get oFlows and deliver the simplest online account opening experience out there. Trust us, customers will love you and employees will thank you.

Platform features

  • Core integrations enable automated, real-time account opening
  • Agreement with disclosures is collected in accordance with the E-Sign Act
  • Proven Identity Verification and Fraud Prevention to comply with Know-Your-Customer, FFIEC, and Red Flag Rules
  • Mobile responsive design makes it work flawlessly on smartphones, tablets, and PC/Mac devices
  • Cross-selling logic presents additional offers and lets applicants apply for multiple products without rekeying data 
  • Account funding with credit cards, debit cards, ACH, or mailed check
  • Workflow management lets staff communicate with applicants and process exceptions
  • eSignatures eliminate the need for mailed signature cards

How It Works

See oFlows in action

Watch our 2-minute video to see why oFlows is the most awarded account opening platform in the industry.

Additional Resources

Report
The Future of Account Opening

Read our report to understand the evolution of account opening...

Written Case Studies
Randolph Brooks Federal Credit Union

Learn how the "fastest growing credit union in Texas" drives...

Report
Mobile Account Opening 2.0

There's more to mobile account opening than just making it...

Video
See Why We're Different

A story about making online account opening and loan applications...

Video
Camera Upload for Documents

Find out how oFlows lets you snap pictures of supporting...

Video
Qualification & Cross-Sell

Learn how oFlows qualifies applicants and maximizes cross selling success....

Webinar Calendar

Webinar
WEBINAR | Jul 22 2015
Test Drive oFlows July 22
Webinar
WEBINAR | May 06 2015
Transform Customer Engagement into a Core Competency
Webinar
WEBINAR | Feb 25 2015
Online Account Opening for Businesses
Test Drive oFlows July 22

Take a test drive of the most intuitive end-to-end mobile account opening platform on the market. Hop on for a ride to see oFlows in action. We will walk you through a typical application on our oFlows platform:

Jul 22, 2015
Transform Customer Engagement into a Core Competency

We are delighted to host Christine Barry, Research Director, Aite Group during a live webcast, Wednesday, May 6th, 1:00 PM EDT.

May 6, 2015
Online Account Opening for Businesses

Attend this Test Drive to see how you can accelerate customer acquisition: Online Account Opening for Businesses

Feb 25, 2015
Seven Deadly Sins You Commit Online But Would Never Do in the Branch

Most bank and credit union digital offerings are shamefully inconsistent with the physical branch experience. Join this session to learn what you're doing wrong and how to fix it.

Jun 4, 2014
Bringing Online Banking & Digital Account Opening Closer Together

To financial institutions, online banking & online account opening are two separate systems. But to customers, they're part of the same experience!

May 8, 2014
Using Digital Channels to Turn Customers into Brand Advocates

Brand advocates are the best assets of any financial marketer because they produce the best kind of marketing there is: buzz. Don't miss this session!

Apr 9, 2014
oFlows Demo April 2nd

Join us for a 45-minute walk through of a typical application on our oFlows online account opening and loan application platform. You'll have a chance to ask questions.

Apr 2, 2014
Javelin Strategy & Research: How to Hook a Moneyhawk

Join to hear Mark Schwanhausser discuss the "Moneyhawks," the 19% of customers who drive most banking profits, and learn what you need to do to "hook a hawk."

Mar 26, 2014
Exclusive Product Preview: Photo Data Capture

See our upgraded mobile account opening experience! With photo data capture capability, applicants can open accounts on smartphones and tablets faster than ever.

Mar 5, 2014
Keys to Mobile Banking ROI

You have mobile banking...now what? Attend this webinar to learn how to get the most out of your investments in mobile banking. Don't miss this lively discussion!

Feb 26, 2014
oFlows Demo February 12th

Join us for a 45-minute walk through of a typical application on our oFlows online account opening and loan application platform. You'll have a chance to ask questions.

Feb 12, 2014
oFlows Demo January 22nd

Join us for a 45-minute walk through of a typical application on our oFlows online account opening and loan application platform. You'll have a chance to ask questions.

Jan 22, 2014
The Future of Account Opening

On January 8th, 2014, please join us for a very special live webcast where we'll give you a sneak peak of our decennial report, "The Future of Account Opening: 10 Years of Online and Mobile Origination." The session will feature:

Jan 8, 2014
oFlows Demo December 11th

Join us for a 45-minute walk through of a typical application on our oFlows online account opening and loan application platform. You'll have a chance to ask questions.

Dec 11, 2013
Mobile Opportunities Most Executives Miss

Most people think mobile is important because it's where consumers are, and it is; but mobile is more than just another screen. With Charlie Kroll.

Nov 20, 2013
oFlows Demo November 13th

Join us for a 45-minute walk through of a typical application on our oFlows online account opening and loan application platform. You'll have a chance to ask questions.

Nov 13, 2013
oFlows Demo October 9th

Learn how you can open more accounts and originate loans using the most innovative multichannel account opening platform on the market today. Check out a live demo of oFlows featuring Ted Brown by clicking Register below.

Oct 9, 2013
9 Ways to Turn Online Shoppers into Account Holders

Register to get 9 tips to optimize your product and messaging for visibility and conversion make marginal changes to achieve material sales impact leverage digital channels to maximize cross-sell.

Sep 25, 2013
How First Trade Union Bank Is Building the Bank of Tomorrow

A forward-thinking institution, First Trade Union Bank is a community bank with $600+ million in assets that succeeded by innovating online and by adopting mobile technology early. Learn how FTUB plans to build the “bank of tomorrow” by improving the customer experience and simplifying banking.

Aug 28, 2013
Using Artificial Intelligence to Make Your Staff Superhuman

Banking used to be personal, but today it feels automated and cold. Online interactions are efficient but can't help a confused consumer, and branch and call center staff must master more financial products than humanly possible. Yseop has created a technology that could solve this problem.

Aug 13, 2013
Complaints Welcome: Leveraging Social Media Complaints to Improve Customer Experience

Based on the in-depth analysis of more than 100,000 individual complaints from the CFPB consumer complaint database, Steven Ramirez, CEO of Beyond the Arc, will explain how financial institutions can uncover key customer pain points before they become a serious issue.

Jul 18, 2013
Responsive Web Design in Account Opening and Lending

According to Pete Cashmore, founder/CEO, Mashable, "2013 is the year of responsive web design." The concept is simple: a website adapts to the size / shape of it's environment, be it a tablet app, browser window or mobile phone app. Join Ying and Jeff for a sneak peek at our responsive app.

Jul 10, 2013
Building Websites That Sell: People's CU Case Study

In 2012, we saw Chase, BofA, and Citi makeunder their websites. Each focused on reducing clutter, emphasizing benefits, and driving consumers to complete online applications. Join People's CU as they share their redesign and explain how smaller CU's can optimize their websites for performance.

Jun 27, 2013
What About the Overbanked? Attracting Affluent Customers in a Digital Age

Changing technology, regulations, and consumer preferences have shaken retail banking in the last decade. In response, new strategies have focused on attracting the so called "underbanked". But, what about the bread makers, the "overbanked?" Affluent consumers shouldn't be forgotten.

Jun 18, 2013
5 Essential Keys to Successful Customer Acquisition

Sean and Steve from ACTON Marketing will reveal 5 secrets to acquiring new accounts and the 7 best practices to maximize cost efficiencies. Learn how to use these tips to get ahead of the competition and ensure a successful customer acquisition strategy.

May 23, 2013
Build a Killer Referral Program to Drive Business

Join Amplifinity referral program experts to discuss best practices for banking & financial referral programs. With several successful banking referral clients recently implemented on the Andera platform, word of mouth and brand advocacy are hotter than ever. Learn more by registering below.

Apr 25, 2013
Case Study: Randolph Brooks FCU Growth Story

Learn how Randolph Brooks FCU has increased in size and strengthened it's business development using the online and mobile channels. RBFCU maintains a strong online lending presence while growing online deposit accounts every year since it began using Andera in 2008.

Apr 4, 2013
Better Together: Uniting Marketing and IT for Success

Why can't the super nerds in I.T. work with the romantic artsy-fartsy scatterbrains in Marketing and vice versa? Learn how you credit union can break down barriers and work together more effectively with Tim McAlpine, CEO of Currency Marketing.

Mar 21, 2013
Upsell, Cross-Sell: How to Grow Customer Relationships

Successful cross-sell requires making the right offer, at the right time, in the right place. Join industry experts from Andera and Geezeo to learn how your institution can engage customers with PFM, optimize your website to drive online applications, and leverage data to make targeted offers.

Mar 14, 2013
Break the Cycle of Commoditization and Build Genuine Brand Engagement

How can banks and credit union differentiate themselves? The answer is to break free from being a commodity—giving customers a reason beyond products, services and rates to choose their institution. Join Jeff Stephens, founder and CEO of Creative Brand Consulting to learn how.

Feb 28, 2013
A Conversation on Marketing Best Practices

Join Laurie McLachlan, Andera VP of Marketing, and our panel of clients to discuss marketing best practices for the online application. Laurie has over 20 years of experience in bank marketing and has done marketing strategy for financial services companies at First Marblehead and PerkStreet.

Feb 21, 2013
Putting Tablets to Work in Credit Union Operations

One in four US adults now owns a tablet, and Business Insider predicts that will grow by as much as 64% in 2013. Personal tablets are changing the way we consume entertainment, read the news, and teach our children. They also have enormous potential to change the way credit unions do business.

Feb 14, 2013
Serving the Underbanked: Prepaid Cards and Alternative Data

Patrice Peyret, CEO of Plastyc, joins us to discuss programs to engage the underbanked. Patrice will answer questions about the underbanked: Who are they? Why are they underbanked? Should my institution serve them? In addition, she'll speak to the practical steps needed to offer prepaid cards.

Jan 31, 2013
Technology for Compliance: Paperless Document Management

Regulatory uncertainty will persist throughout 2013. Banks and credit unions must learn to adjust to new regulations and comply more diligently with old ones. Therefore, it's more important than ever to make sure your institution's document management process is rational, scalable, and paperless.

Jan 10, 2013
How Credit Unions Can Engage The Youth Market

Tim McAlpine from Currency Marketing joins us to share his expertise on how credit unions can attract new, young members. He'll explain how credit unions can design their products, customize services, and prepare their staff with the right message to attract Generation Y.

Nov 28, 2012
Understanding Abandonment: Workflow Design to Increase Conversion

On average, less that 50% of financial account applications started online are successful. We believe that by applying the best practices in workflow design and focusing on the user experience, we can limit abandonment while providing a truly enjoyable online account opening experience. Learn more!

Nov 6, 2012
Why Online Applicants Can Be Your Most Profitable Customers

Online applicants are on average wealthier, more educated, and more likely to have children. Meanwhile, cross-sell potential is also greater online because data can be pulled on applicants in real-time. Register and learn how you can leverage the online channel to attract high-value applicants.

Oct 10, 2012
How to Sign Up College Students with Limited Credit History

Online identity verification is a prickly issue; you don’t want to invite fraudsters, but you also don’t want to deny potentially valuable customers. Are you rejecting too many customers due to thin credit files unnecessarily? Register to learn how you can help save strong applicants.

Sep 19, 2012
10 Website Mistakes to Avoid to Drive More Online Applicants

We came up with a list of 10 common pitfalls that customers encounter when applying for financial products online, and scored bank and credit union websites on this new 10 point scale. Register below to learn more about what we learned and how you can take advantage of these best practices.

Sep 6, 2012
How Mobile Technology Is Transforming Account Origination

Learn how mobile technology is transforming the way banks and credit unions open accounts and originate loans in today's multichannel world. Scott Pitts will share how the most innovative institutions are using iPads in their branches and engaging with their communities in the field.

Aug 21, 2012
Paperless Banking and the New Branch

Eliminating the paper process isn't just about implementing online account opening. It's about reducing paperwork by getting rid of the forms branches use to create it in the first place. Learn more about how you can cut paper out of your processes by clicking Register below:

Apr 24, 2012
From Visitor to Victory - Tracking Conversion

Many financial institutions spend a lot of money on advertising, but have no idea how many customers they generate using the online channel and have even less insight by campaign. We can help. Andera's Campaign Module allows you to track your ROI by campaign. Learn more at our next webinar.

Apr 10, 2012
Convert abandoners and increase account volume

Join Andera's Laurie McLachlan and our guests from Consumers Credit Union, Hal Coxon and Katy McCabe, as they discuss ways you can minimize abandonment and increase account volume at your institution. Please register by clicking the link below.

Mar 13, 2012
8 IT Habits of High Performing Financial Institutions

Join us to learn more about 8 key IT strategies your institution should be employing if it's not already. This webinar, featuring Senior Analyst Ron Shevlin, is based on the recent Aite Group report, published November 8th, 2011.

Jan 24, 2012
The Frontlines of Online Account Fraud

Dec 13, 2011
The Future of Account Origination

Nov 1, 2011
Next Generation Referral Programs

Oct 25, 2011
The Real Cost of Retail Deposit Account Acquisiton

Sep 27, 2011
IdeaFest 2 – Featuring: Ideon FS

Sep 13, 2011

Trusted by 500+ Banks & Credit Unions

"Online account openers are particularly desirable members because they tend to carry higher deposit balances and to borrow more readily than branch-oriented members."

Katy McCabe
Contact Center Manager, Consumers Credit Union

"Members who join online are 49 percent more profitable than those who enroll through traditional means. They maintain a higher loan-to-share ratio of 467 percent versus the 120 percent of traditional enrollees."

Mary O'Rourke
Chief Information Officer, Randolph Brooks Federal Credit Union

"The best way to differentiate ourselves is through superior customer service. Our choice of Andera enables us to do that, and by eliminating paper from the account opening process, it saves both time for our staff and customers and money for the bank."

Preston L. Kennedy
President and CEO, Bank of Zachary

"We chose Andera because of its adaptability and underlying authentication capabilities. It is just what we were looking for to enable online account opening. The capabilities of oFlows transform a website into a branch location."

Phil Travaglini
CEO, Boeing Helicopters Credit Union

and awarded by

      

Contact Us

Let's Talk

Call us or use the form on the right to send us a note.  We'll tell you more about our oFlows platform and how banks and credit unions across the country are using it to simplify the account opening and loan application process.

Here's our number:

800-472-1321

Our Platform