# Turn Account Opening Into Deposit Growth Deposit account opening for banks and credit unions. Open a consumer account in minutes or a multi-owner commercial entity, all on one platform built to turn the applications you start into funded accounts.  Simplifying opening is key to growth. nCino offers tailored, efficient, and client-focused solutions to meet the challenges financial institutions face in managing complex processes. --- ## The Deposit Growth Already Sitting in Unfinished Applications The same friction stalls applications whether someone's opening a checking account or a corporate operating account. Clients re-enter the same details on every new application. They can't open multiple accounts in one session or start online and finish in the branch. On the business side, signatures and beneficial-owner documents move by email, and no one, client or banker, can see where things stand. ### Over 60% Abandonment Account opening that takes longer than five minutes drives abandonment above 60%, dropping to 25% or less under five minutes [The Financial Brand](https://thefinancialbrand.com/news/loan-growth/digital-banking-account-opening-sales-growth-112423) ### 3.36 Applications Abandoned For every single checking account successfully opened online, 3.36 applications are abandoned mid-process. [eMarketer](https://www.emarketer.com/content/banks-have-major-digital-account-opening-problem) ### $3T+ in deposits have already migrated to fintechs. [The Financial Brand](https://thefinancialbrand.com/news/banking-products/reclaiming-deposits-lost-to-fintechs-demands-new-thinking-on-bank-products-190955) --- ## Built for Every Client. Unified on One Platform. A single platform handles any client — consumer, small business, or commercial — so your bankers never pick a path before they know who's in front of them. ### Consumer Account Opening Open consumer accounts across digital, mobile, and branch with identity verification, funding, and disclosures built into the workflow. nCino clients have opened consumer deposit accounts in under five minutes — in-branch and online*. ### Small Business Account Opening Open small business accounts digitally or in branch, with KYB and identity verification built in. Owners and signers complete their own steps in guided flows, online or with a banker. ### Commercial Account Opening Handle complex multi-owner entities with related-party trees, ownership calculations, and built-in KYB, KYC, and AML on the same platform as your consumer and small business accounts. One nCino client saw a 200% increase in commercial conversion rates*. --- ## Everything It Takes to Turn Applications Into Deposits nCino brings consumer and commercial deposit account opening onto a single platform, so retail accounts and complex multi-owner entities all run through one workflow. Identity verification, funding, KYC/KYB, and disclosures are built in natively, turning started applications into funded accounts and eliminating manual handoffs. Bankers spend their time on relationships, not rekeying data. All without stitching together new systems or building it yourself. [Learn How WaFd Did It](https://ncino.pathfactory.com/01_07) --- #### Featured Integrations [See All Tech Partners](/our-partners) --- ## Find the Right Account Opening Path ### I need to open consumer deposit accounts. Get applicants from start to funded in under five minutes, across digital, mobile, and branch without the abandonment that costs you the relationship. [See Consumer Deposit Account Opening](/solutions/consumer-deposit-account-opening) ### I need to open small business deposit accounts. Move owners and signers from application to funded across digital, mobile, and branch without the email chains and manual KYB steps that drag deals past the point of closing. [See Small Business Account Opening](/small-business-banking) ### I need to open commercial deposit accounts. Open sole proprietors through complex multi-owner entities on the same platform, with KYB and beneficial ownership handled in the workflow instead of over email. [See Commercial Account Opening](/commercial-onboarding) --- ## Customer Results: Faster Account Opening, Consumer to Commercial ### BankNewport Expanded from lending into deposit account opening on nCino across consumer and business. Consumer account opening up to 90% faster within three weeks. A business account opened and funded in about 15 minutes with no customer assistance. [Read BankNewport’s Story](https://www.ncino.com/news/banknewport-consumer-deposit-account-opening-accelerated-ninety-percent) ### South Bay Credit Union Reduced time-to-open accounts by an average of 55% and saw a 50% increase in accounts opened per month. "I couldn't imagine performing the business account opening process without \[nCino\]...” — Frank Espinoza, Chief Risk Officer, South Bay Credit Union [Read South Bay’s Story](https://www.ncino.com/blog/south-bay-credit-union-automates-high-risk-business-account-opening-with-ncino) ### Tradition Capital Bank Chose nCino and cut commercial account opening from a week or more to days. "...we have decided to set our own destiny and be more independent from our core.” — Lizzie England, VP Business Analyst, Tradition Capital Bank [Read Tradition Capital's story](/blog/tradition-capital-bank-chooses-ncino) --- ## Implementation, Integration, and Compliance, Handled ### Implementation More than 2,700 global customers use the nCino Platform, and many start with one solution and expand from there. Phased rollouts let you add account opening to existing lending, or vice versa, without re-platforming. Grow one solution at a time. ### Integration Direct core integrations with Jack Henry Silverlake/jXchange and Symitar/SynXchange. Productized partners include Alloy, DocuSign, Plaid, ChexSystems, TruStage, Swivel, Topaz, and OneSpan, with nCino Integration Gateway for extended connectivity. [Explore More](/solutions/integrations) ### Regulatory KYC, KYB, AML screening, BSA documentation, CIP, beneficial-ownership rules, and GDPR/CCPA are embedded in the workflow through Alloy. Every application carries a full audit trail, regulatory reporting, and electronic disclosures with consent capture. --- *Source: All metrics are reported from customer data and reflect real customer experience on the nCino Platform. --- [View sitemap](https://www.ncino.com/api/markdown/sitemap)