Mid Oregon Credit Union API & Open Finance Integration

Quicken and accounting sync

Mid Oregon supports export in QFX, QBO, and OFX from digital banking. We deliver an API that mirrors this flow—transaction list with date range and format options—so personal-finance apps (Quicken, QuickBooks) or internal accounting systems can consume Mid Oregon data programmatically. Data maps to Open Finance: structured transactions with date, amount, type, and account; auth uses Digital Banking credentials with secure session handling.

Multi-institution aggregation

Aggregators and dashboards need a unified view across banks and credit unions. Our implementation can provide balance and transaction endpoints (with member consent), returning account list, balances, and recent activity. This fits the same ecosystem as Plaid and similar services: credit unions like Evergreen CU in Oregon and First Tech Federal CU have adopted Plaid; our protocol analysis offers an alternative path where no official API exists.

Compliance and audit reporting

Businesses and members need exportable transaction and bill-pay data with timestamps for internal audit and regulatory record-keeping. We deliver an API that returns transaction history and payment metadata (with consent), suitable for audit trails. No public Mid Oregon API exists; our protocol analysis fills the gap for authorized, compliant data extraction aligned with CFPB and NCUA expectations.

Cash-flow and forecasting tools

Bill-pay schedules and transfer history drive cash-flow visibility. Our API can expose payment and transfer metadata from the app's bill pay and transfer flows, aligned with Open Data: structured payments with payee, amount, date, and status for dashboards and forecasting engines.

eStatement and document workflow

Mid Oregon offers up to 24 months of eStatement archive. Our implementation can expose statement metadata and document access (with consent) for workflow tools that need periodic statement retrieval—always with minimal data retention and explicit consent.

Auth and session (pseudo)

// Login with Digital Banking credentials (pseudo)
POST /api/v1/midoregon/auth/login
Content-Type: application/json
{ "username": "<USER>", "password": "<PWD>" }

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

Account balances (pseudo)

// Fetch account list and balances (pseudo)
GET /api/v1/midoregon/accounts
Authorization: Bearer <SESSION_TOKEN>

Response: {
  "accounts": [{ "id": "xxx", "name": "Checking", "balance": 1234.56, "type": "checking" }],
  "as_of": "2025-03-13T00:00:00Z"
}

Transaction export / statement (pseudo)

// Transaction list, CSV/QFX/OFX-style (pseudo)
POST /api/v1/midoregon/transactions
Content-Type: application/json
Authorization: Bearer <SESSION_TOKEN>

{ "account_id": "xxx", "from_date": "2025-01-01",
  "to_date": "2025-03-13", "format": "json", "limit": 500 }

Response: { "transactions": [...], "next_cursor": "..." }
Error 429: rate limit; retry with backoff

Deliverables

• API specification (OpenAPI / Swagger)
• Protocol and auth flow analysis (Digital Banking login, session, token)
• Runnable API source code (Python / Node.js) for balances, transactions, bill pay
• Test scripts and interface documentation
• Compliance notes (CFPB 1033, NCUA, consent, retention)

Key integration areas

Balance and activity sync, transaction export (CSV/QFX/QBO/OFX–compatible logic), bill pay and transfer visibility, eStatement access, mobile deposit and card control metadata. 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, bill pay integration
• Compliant, lawful implementations to meet local 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, balances, transactions, bill pay).
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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