Simplify Commercial Onboarding & Account Opening
Simplify one of the most complex processes in commercial banking with nCino's customer onboarding software, designed to deliver exceptional experiences.
Webinar: Commercial Deposits Strategy
Commercial banks thrive on building strong relationships with their clients. Learn how to build a technology strategy that streamlines processes without compromising the client experience.
Commercial Clients Deserve Better Experiences
Automated, simplified processes that work for smaller businesses fail to support large, commercial clients with complex ownership structures and banking needs.
Long onboarding times: Due to the amount of information needed and people involved, it can take weeks to onboard.
High drop-off rates: Because of the complexity of the application, clients struggle to complete requirements without banker assistance.
Missed opportunities: If a client applies for multiple accounts, they may need to complete the same application multiple times, leading to less upsell opportunities.
Repetitive asks & inefficiency: Bankers often re-key information for their clients, leading to more errors and manual work.
Customer Onboarding and Account Opening Simplified
nCino’s software provides the option for a fully digital experience that enables cost-effective, remote interactions—from product selection to information submission and agreement on terms.
Collect Documents & Initial Signatures
Intelligently request the right documents based on the client’s unique needs and upload them from any device.
Related party builder: Set up complex ownership structures where all owners and signers are invited to complete information in their own flow.
Forms: Set up forms that support your bank’s unique workflows and needs based on the client account.
Documents: Collect all the needed documents without any guesswork – from a corporate resolution to a hand-written lease agreement.
Validate, Verify, & Approve
Leverage best-of-breed data and analysis tools to compare, verify, and finalize documents — saving your client time.
Document analysis: We are the only platform that offers human-led document analysis based on rules set by your compliance team, so applications can progress even when your bankers are offline.
Verification: Verify document data easily using our plugins for ID&V and business data engines.
Screening: View watchlist hits as well as recent relevant internet search results.
Risk rating: Evaluate clients through calculating a client risk score.
Open the Account
Streamline the final steps to get the account opened for your client – including gathering final signatures and transferring information to your core.
Digital disclosures & agreements: Gather agreements digitally or upload wet signatures digitally.
Tasks: Manage and follow up on outstanding signatures.
Core integration: Avoid searching for and updating information repeatedly by integrating with your core — including Fiserv, Jack Henry, and FIS.
Additional integrations: Connect with your CRM, document storage system, and more.
Support Ongoing Due Diligence
Pass audits and avoid getting fined with access to extensive history of the account opening process.
Audit trail: Get an overview of the account’s full history, including actions throughout the application process, corresponding parties, and timestamps.
PDF summary: Export the audit trail to PDF to share with other teams within your institution.
Net new deposits
“We have been able to streamline our onboarding process, provide a great client-facing experience, and help our back office manage all we need to open new commercial accounts.”
STEVE MILLER
President & CEO FFB Bank
Increase in assets year over year
Creating a Better Client Experience
FFB Bank accelerates new business accounts by improving the account opening experience with nCino.
Embracing a single, integrated platform, particularly in commercial or business banking, is more than a technological upgrade - it's a strategic imperative. We are excited to implement and integrate.
James Beckwith
FiveStar Bank
Replace legacy processes with workflows that help your teams onboard clients and open accounts more efficiently.
Offer a modern experience no matter where, when, or how your clients want to work with you.
Eliminate tedious data entry, manual paperwork, and guesswork — to support bankers.
Ready to Transform Your Institution?
Trusted by over 1,800 financial institutions, our platform will enhance strategic decision-making, risk management, and customer satisfaction at your institution. See our best-in-class intelligent solutions in action—request your free demo today.
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