Del Norte Credit Union API & Open Finance Integration

Accounting and ERP sync

Businesses and accountants need DNCU transaction and balance data in their general ledger or ERP. We deliver an API that returns transaction history with date, amount, type, and description—and optional balance snapshots—so bookkeeping tools can pull data on a schedule. This maps to Open Finance: structured account and transaction data with member-authorized access; no public DNCU API exists, so our protocol-based implementation fills the gap.

Personal finance and aggregation

Personal-finance apps (e.g. budgeting or net-worth tools) often aggregate multiple banks and credit unions. Our implementation provides balance and transaction endpoints that return normalized fields (account_id, balance, transactions[] with amount/date/merchant), suitable for the same use cases as Plaid or other aggregators—with the client controlling auth and data retention.

Compliance and audit reporting

Credit union members and their advisors may need exportable statements and transaction logs for tax or audit purposes. We deliver statement and transaction APIs that support date-range queries and document retrieval, aligned with GLBA and NCUA expectations for member data access. All access is consent-based and auditable.

Cash-flow and bill-pay visibility

Treasury or finance teams want visibility into scheduled bill payments and transfer activity. Our API can expose bill-pay payees, scheduled payments, and internal/external transfer history so dashboards show upcoming outflows and completed transfers—with member consent and minimal data retention.

Multi-account and business banking

DNCU serves both personal and business members across New Mexico (Los Alamos, Española, Santa Fe, Rio Rancho). Our implementation can support multiple accounts per member and optional business-account flows, returning balance and transaction data per account for consolidated reporting—again with explicit authorization.

Auth and session (pseudo)

// Member login (pseudo)
POST /api/v1/dncu/auth/login
Content-Type: application/json
{ "username": "<MEMBER>", "password": "<PWD>" }

Response 200: { "session_token": "...", "refresh_token": "...", "accounts": [...] }
Response 401: { "error": "invalid_credentials" }
// Session refresh per protocol analysis

Balance and transactions (pseudo)

// Balance and transaction history (pseudo)
GET /api/v1/dncu/accounts/{account_id}/balance
Authorization: Bearer <SESSION_TOKEN>

GET /api/v1/dncu/accounts/{account_id}/transactions?from=2025-01-01&to=2025-03-12
Response: { "transactions": [...], "next_cursor": "..." }

Statement and webhook (pseudo)

// Statement list and error handling (pseudo)
GET /api/v1/dncu/statements?account_id=xxx&year=2025
Authorization: Bearer <SESSION_TOKEN>

Response: { "statements": [{ "period": "2025-01", "url": "..." }] }
Error 429: rate limit; retry with backoff

Deliverables

• API specification (OpenAPI / Swagger)
• Protocol and auth flow analysis (member login, session, token)
• Runnable API source code (Python / Node.js) for balances, transactions, statements
• Test scripts and interface documentation
• Compliance notes (GLBA, NCUA, consent, retention)

Key integration areas

Balance and transaction history sync, statement query and export, internal and external transfer metadata, bill pay and Zelle integration, and mobile check deposit status. We support both Android and iOS protocol analysis and deliver source code you can host and extend.

About us

We are a technical service studio specializing in app interface integration and authorized API integration. We provide protocol analysis, interface refactoring, Open Data integration, and third-party interface integration, plus automated data scripting and interface documentation. Our team has years of experience in mobile and fintech; we serve global clients with compliant, professional solutions. Services start at $300, with an option to deliver results first and pay upon satisfaction.

• Banking and credit union apps: transaction records, statement queries, transfer and bill-pay integration
• Compliant, lawful implementations to meet GLBA, NCUA, and privacy requirements
• Android and iOS; ready-to-use API source code, docs, and test plans

Contact

For inquiries, quotes, or to submit your target app and requirements, please use the link below:

Contact us

Process

1. Confirm requirements: integration scenario and interface needs (e.g. login, transactions, statements, transfers).
2. Protocol analysis and interface design (2–5 business days, depending on complexity).
3. Development and internal validation (3–8 business days).
4. Delivery of documentation, examples, and test cases (1–2 business days).
5. Typical first delivery: 5–15 business days; complex or multi-party approval may take longer.

FAQ

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