BMI Federal Credit Union API & Open Banking Integration

Personal finance and accounting sync

A user or accountant wants to sync BMI FCU transactions with QuickBooks, Quicken, or Mint. BMI FCU already supports QFX/QBO download and reconnection after their October 2023 platform migration. We deliver an API that returns transaction lists (amount, date, description, category) so third-party PFM or ERP tools can aggregate without manual download. Flow: Client app → auth (member credentials or token) → API → transaction endpoint → JSON/QFX to PFM. Aligns with CFPB data rights: consumer-authorized access to account and transaction data.

Multi-account balance and statement aggregation

A fintech or advisor needs to show BMI FCU balances and statements alongside other institutions in one dashboard. Our implementation exposes balance and statement (or transaction) endpoints with account_id, from_date, to_date. Data maps to Open Banking: standardized account and transaction payloads. Typical fields: account_id, balance, currency, transactions[]. Use: net-worth views, lending decisions, compliance documentation.

Bill pay and transfer reconciliation

Treasury or back-office teams need to reconcile bill payments and transfers. We deliver endpoints for payees, scheduled payments, and transfer history (create, approve, cancel, view). Response includes payment_id, payee_name, amount, due_date, status; transfer_id, amount, from/to account, status. Enables automated reconciliation and audit trails.

Card controls and pending-transaction monitoring

Risk or product teams want to integrate card on/off controls and pending transactions into a fraud or spending dashboard. Our API can expose card control state and pending transaction list (amount, merchant, date). Data flow: app → auth → API → card_controls, pending_transactions. Supports real-time alerts and reporting.

Secure message and branch-info integration

Support or CRM systems need to pull secure messages and branch hours. We deliver read-only endpoints for message threads and branch locations (address, hours). Use: ticket creation, knowledge-base updates, and branch locator widgets—with member consent and minimal data retention.

Deliverables

• API specification (OpenAPI / Swagger)
• Protocol and auth flow analysis (Q2 / member login, token, session)
• Runnable API source code (Python / Node.js) for balances, transactions, statements, bill pay, transfers
• Test scripts and interface documentation
• Compliance notes (NCUA, CFPB Personal Financial Data Rights, consent, retention)

Example: transaction / statement query (pseudo)

// Example: fetch transaction history (pseudo)
GET /api/v1/bmifcu/transactions
Authorization: Bearer <ACCESS_TOKEN>

Query: account_id, from_date, to_date, type (optional), limit, offset

Response: {
  "transactions": [
    { "id": "...", "date": "2025-03-10", "amount": -50.00, "description": "POS DEBIT", "balance_after": 1200.00 }
  ],
  "total_count": 42
}

Example: balance and auth (pseudo)

// Example: account balances and login (pseudo)
POST /api/v1/auth/login
Content-Type: application/json
{ "username": "***", "password": "***" }

Response 200: { "access_token": "...", "refresh_token": "...", "expires_in": 3600 }

GET /api/v1/bmifcu/balances
Authorization: Bearer <ACCESS_TOKEN>

Response: { "accounts": [ { "account_id": "...", "type": "checking", "balance": 1200.00, "currency": "USD" } ] }

Example: error handling (pseudo)

// Error responses (pseudo)
401: { "error": "unauthorized", "message": "Token expired or invalid" }
403: { "error": "forbidden", "message": "Insufficient scope for this account" }
429: { "error": "rate_limit", "retry_after": 60 }

Compliance & privacy

We work from client authorization or public/authorized APIs and follow privacy and local regulations. BMI Federal Credit Union is NCUA-insured (National Credit Union Administration), and US open banking is evolving under the CFPB Personal Financial Data Rights rule (October 2024), which requires covered institutions to provide consumers and authorized third parties secure access to financial data via APIs. We align implementations with consent, purpose limitation, minimal retention, and no resale of data for advertising. All deliverables support audit and consent records.

Data flow / architecture

A typical pipeline we design: (1) Client app (BMI FCU mobile or your front-end) — member consents and triggers requests. (2) Ingestion / API layer — our delivered service authenticates (e.g. Q2/member login or token), validates scope, and queries the data source. (3) Storage or cache (optional) — for aggregation or reporting. (4) Output — JSON/API or QFX to your PFM, ERP, or dashboard. Logs and consent are retained for audit.

Market positioning & user profile

BMI Federal Credit Union serves B2C members in Central Ohio (Franklin, Licking, Fairfield, Pickaway, Madison, Union, Delaware, Morrow counties and families). It has been named Central Ohio's Best Credit Union eight times and Best Place to Work in Ohio for 16 consecutive years (2010–2025). The mobile app is built on Q2 (Q2 Software), which powers a large share of US credit unions; ecosystem tools include QuickBooks, Quicken, and Mint for transaction export. The app is on Android and iOS (package com.q2e.bmifederalcreditunion5066.mobile.preproduction); as of February 2025, version 4016.0.1 improved accounts experience, mobile deposit, and navigation.

About us

We are a technical studio focused on app interface and authorized API integration. We deliver protocol analysis, Open Data integration, third-party integration, and automated scripting plus API documentation. Services start at $300; we can deliver first and you pay when satisfied.

• Experience in fintech and mobile apps (US credit unions and overseas)
• Android and iOS; ready-to-use API source and docs
• Transparent pricing; result-first option

Contact

For inquiries, quotes, or to send your target app and requirements:

Contact us

Process

1. Confirm needs: app name (BMI Federal Credit Union) and integration scope (balances, transactions, statements, bill pay, transfers).
2. Protocol analysis and API design (2–5 days, depending on scope).
3. Development and validation (3–8 days).
4. Delivery of docs, samples, and tests (1–2 days).
5. Typical first delivery: 5–15 business days.

FAQ

What do I need to provide?

How long until delivery?

Compliance and privacy?