People's CU Mobile Banking API & Open Finance Integration

Personal finance and accounting sync

Individuals and small businesses use tools like QuickBooks or YNAB and need transaction and balance data from their credit union. We deliver an API that returns account list, balances, and up to 16 months of transactions with date, amount, type, and description—aligned with Open Finance: user-authorized, structured data. Auth uses online banking credentials with secure session handling; output can feed CSV/JSON export or direct sync to accounting software.

Cash-flow and bill pay visibility

CFOs and treasurers need a single view of cash flow across banks and credit unions. Our implementation exposes balance and transaction endpoints plus bill pay schedule and transfer metadata. This fits the same ecosystem as Plaid and MX: multiple institutions in one dashboard. Fields: accounts[], balances, transactions[] with amount/date/type, bill_payments[], transfers[]. CFPB's Section 1033 and FDX standards are moving toward standardized access; our protocol analysis supports authorized access where no public API exists.

Compliance and audit reporting

Credit unions and their partners require exportable transaction and activity data for NCUA and internal audit. We deliver an API that returns transaction history and optional alert/activity logs (with member consent), suitable for audit trails and evidence of data handling. All implementations respect GLBA and Regulation P: notice, opt-out, and minimal disclosure of nonpublic personal information.

Financial wellness and credit health

The app's Credit Health feature shows score and improvement tips; balance and transaction alerts help members stay on top of activity. Our API can expose aggregated credit score and alert configuration (with consent) for wellness platforms or employer benefit dashboards—structured as Open Data: score, factors, and alert rules for integration into holistic financial views.

Multi-institution aggregation

Members who use both People's Credit Union and other banks (e.g. UW Credit Union with MX, or Plaid-connected institutions) need a unified view. We provide People's CU–side protocol analysis and runnable API so aggregators or in-house systems can pull balances and transactions from People's CU in a format consistent with FDX or Plaid-style feeds—enabling a single pipeline: People's CU API → your ingestion layer → storage → analytics or aggregation UI.

Auth and session (pseudo)

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

Response 200: { "session_token": "...", "refresh_token": "...", "accounts": [...] }
Response 401: { "error": "invalid_credentials" }
// Biometric is app-level; API uses token refresh per protocol

Balances and transactions (pseudo)

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

Response: { "accounts": [{ "id": "...", "name": "...", "balance": "...", "type": "checking|savings|..." }] }

POST /api/v1/peoplescu/transactions
{ "account_id": "xxx", "from_date": "2025-01-01", "to_date": "2025-03-12", "limit": 500 }
Response: { "transactions": [...], "next_cursor": "..." }

Bill pay and webhook (pseudo)

// List scheduled bill payments (pseudo)
GET /api/v1/peoplescu/billpay/scheduled
Authorization: Bearer <SESSION_TOKEN>

Response: { "payments": [{ "payee": "...", "amount": "...", "date": "...", "status": "scheduled" }] }

// Optional webhook for payment status (pseudo)
POST <YOUR_WEBHOOK_URL>
{ "event": "payment_completed", "payment_id": "...", "amount": "...", "timestamp": "..." }

Deliverables

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

Key integration areas

Balance and transaction sync (up to 16 months), statement export, bill pay and transfer visibility, mobile deposit and P2P metadata, credit health and alerts. 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, transaction integration
• Compliant, lawful implementations to meet local and privacy requirements (GLBA, Regulation P)
• 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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