CTFCU Mobile Banking API integration (FDX / OpenBanking)

Deliverables checklist

• OpenAPI 3.1 specification with request/response schemas
• Protocol & auth report (OAuth, token lifetime, refresh chain, device binding)
• Runnable Python and Node.js source for login, accounts, transactions and RDC
• Postman collection plus pytest / Jest test suite
• FDX-aligned consent ledger and audit-log schema
• Compliance brief (GLBA, CFPB Section 1033, NCUA member-data guidance)

Two engagement models

Source-code delivery from $300: you receive a runnable API project, end-to-end docs and tests, and pay only after acceptance. Pay-per-call hosted API: we host the integration, you call our endpoints with your own keys, and you are billed per successful call — ideal for teams that want to skip operations work.

1. Accounting & reconciliation sync

A small business member of Carolina Trust pulls daily transactions and ending balances into QuickBooks, NetSuite or Xero. The adapter polls the transaction endpoint with a watermark cursor, deduplicates against a stored hash of (accountId, postedDate, amount, descHash), and posts to the accounting API with idempotency keys. Maps cleanly to the FDX /accounts/{id}/transactions shape.

2. PFM & financial wellness dashboard

A personal-finance app aggregates the member's CTFCU shares with external accounts, then re-uses the in-app spending-by-category logic to produce monthly cash-flow charts. Consent is granted once via OAuth 2.0; the token is rotated on the FDX recommended 7-day refresh cadence with explicit re-consent at 12 months.

3. Treasury & multi-bank cash positioning

A non-profit holding share, money-market and certificate accounts at CTFCU plus accounts at other institutions feeds a treasury workstation. The adapter exposes a normalized cash-position webhook every 15 minutes and supports same-day initiation of external ACH transfers between CTFCU and other institutions.

4. Card-controls automation for fleets

A member with a CTFCU business credit card portfolio uses the card-controls API to auto-disable cards outside business hours, restrict to a list of MCCs, and receive webhook alerts on declined transactions. This mirrors the in-app real-time card-controls feature documented by Carolina Trust.

5. Mobile RDC for accounts receivable

A small contractor scans paper checks through the RDC endpoint, the adapter performs MICR validation, duplicate detection against a 90-day cache and posts the deposit with status callbacks (pending / accepted / available). Daily and monthly RDC ceilings are enforced client-side to avoid soft rejections.

OAuth 2.0 token exchange

POST /oauth2/token
Content-Type: application/x-www-form-urlencoded

grant_type=authorization_code&
code=AC_2k1f...&
client_id=of_lab_demo&
redirect_uri=https://app.example/cb&
code_verifier=Z5...

200 OK
{
  "access_token": "eyJraWQi...",
  "token_type": "Bearer",
  "expires_in": 3600,
  "refresh_token": "rt_8e...",
  "scope": "accounts:read transactions:read deposits:write"
}

Statement / transaction query

GET /api/v1/ctfcu/accounts/{accountId}/transactions
  ?fromDate=2026-04-01
  &toDate=2026-04-30
  &cursor=eyJwYWdlIjoy
Authorization: Bearer <ACCESS_TOKEN>

200 OK
{
  "accountId": "ctfcu-share-0042",
  "transactions": [
    {
      "transactionId": "tx_19af...",
      "postedDate": "2026-04-28",
      "amount": -57.32,
      "currency": "USD",
      "description": "PUBLIX #1247 MYRTLE BEACH SC",
      "merchantCategoryCode": "5411",
      "runningBalance": 2418.07,
      "type": "DEBIT"
    }
  ],
  "nextCursor": "eyJwYWdlIjoz"
}

Mobile deposit (RDC) with webhook

POST /api/v1/ctfcu/deposits
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: multipart/form-data

amount=425.00
accountId=ctfcu-share-0042
front=@front.jpg
back=@back.jpg

201 Created
{ "depositId": "dep_8b2...", "status": "PENDING",
  "limits": {"daily": 5000, "monthly": 10000},
  "estimatedAvailable": "2026-05-12" }

# Webhook callback
POST https://your.app/webhooks/ctfcu-deposit
{ "depositId": "dep_8b2...", "status": "AVAILABLE",
  "availableOn": "2026-05-12", "amount": 425.00 }

Error handling & idempotency

All write endpoints accept an Idempotency-Key header; replays return the original 2xx response without double-posting. Consent expiry returns 401 consent_revoked; daily RDC ceiling triggers 422 limit_exceeded with retryAfter. Transient core failures emit 503 upstream_unavailable and are retried with exponential backoff capped at 5 attempts.

US regulatory alignment

Integrations are designed to comply with the CFPB Section 1033 Personal Financial Data Rights rule, the Gramm-Leach-Bliley Act (GLBA) safeguards rule, and NCUA Part 748 member-information security guidance. We also follow the FDX consent and tokenization model, which the credit-union industry is converging on for member-permissioned data sharing.

Privacy & data minimization

Every adapter ships with scoped tokens, a consent ledger that records purpose, scope, granted-at and revoked-at timestamps, and a data-retention default of 90 days for raw transaction caches. Member PII is encrypted at rest with AES-256 and in transit with TLS 1.3; key rotation is enforced quarterly. Logs are redacted to mask account numbers and SSNs before any third-party export.

About us

OpenFinance Lab is an independent technical studio focused on fintech protocol analysis and member-permissioned data integration. Our engineers come from US and EU banks, payment networks, mobile reverse-engineering teams and cloud platform groups. We have shipped CTFCU-class credit-union adapters covering OAuth flows, account aggregation, RDC, ACH origination and FDX-shaped statement export.

• Credit unions, community banks, neobanks and cross-border clearing
• Enterprise API gateways, mTLS and security reviews
• Custom Python, Node.js and Go SDKs plus end-to-end test harnesses
• Full pipeline: protocol analysis → build → validation → compliance brief
• Source-code delivery from $300 — runnable API project, docs, tests; pay after acceptance
• Pay-per-call API — hosted endpoints, no upfront cost, usage-based billing

Contact

For quotes or to submit your target app and requirements, open our contact page:

Contact page

Engagement workflow

1. Scope confirmation: which CTFCU flows to integrate (login, balances, transactions, RDC, card controls, transfers).
2. Protocol analysis and FDX-aligned API design (2–5 business days).
3. Build and internal validation in a sandbox or staging tenant (3–8 business days).
4. Documentation, OpenAPI spec, sample apps and automated tests (1–2 business days).
5. Typical first delivery: 5–15 business days; third-party approvals can extend timelines.

FAQ

What do you need from me to begin a CTFCU Mobile Banking integration?

How long does delivery take?

How do you handle compliance and member privacy?

Do you support mobile remote deposit capture (RDC)?