FedTrust Federal Credit Union API integration & OpenBanking services

Deliverables checklist

• OpenAPI 3.1 specification for every endpoint we ship
• Protocol report covering login flow, token rotation, MFA challenge, cookie chain and request signing
• Runnable Python (FastAPI) and Node.js (Express) reference implementations
• Postman collection plus pytest / vitest contract tests
• Compliance notes covering CFPB 1033, FFIEC authentication, GLBA privacy and Regulation E
• A Docker Compose stack that runs the connector, a mock It'sMe247 sandbox and a webhook receiver

Why FedTrust FCU data is worth integrating

FedTrust Federal Credit Union has served members since 1959 from Memphis, Tennessee, holds roughly $36.93M in assets and supports more than 3,000 members. Its mobile footprint is small enough that no public REST API exists today, yet the data it stores — debit transactions, share balances, loan amortization, mobile-deposit history and card events — is the same shape personal-finance and SMB-treasury products need. An authorized connector unlocks that data for accounting sync, member-facing budgeting, fraud monitoring and audit reporting.

1. Accounting sync for small-business members

A Memphis-area contractor using a FedTrust share-draft account wants daily transaction feeds in QuickBooks Online or Xero. We expose /accounts and /transactions, map ACH and debit descriptors to chart-of-accounts hints, and stream new entries via webhook. The same OpenBanking pattern is what FDX recognised aggregators implement under the CFPB's Section 1033 framework.

2. Member-facing PFM and budgeting

A personal-finance app aggregates the member's FedTrust accounts alongside a brokerage and a credit card. Our connector returns a normalized Account + Transaction schema so the consuming app can categorize spend, project cash flow and surface low-balance warnings without screen scraping.

3. Remote Deposit Capture reconciliation

An e-commerce seller deposits checks via the FedTrust mobile deposit flow. We expose POST /deposits for image submission and GET /deposits/{id} for status (received → accepted → cleared), so the seller's order system can release goods only after funds clear and a hold has expired.

4. Card-control and fraud automation

A fraud-ops team subscribes to card authorization webhooks and the lock/unlock endpoint. When an unusual MCC or geo signal fires, the team's runbook calls POST /cards/{id}/lock within seconds, mirroring the in-app Manage My Cards behaviour but driving it from a central console.

5. CFPB Section 1033 data portability

A consenting member exercises their right under the Personal Financial Data Rights rule to share data with a third-party fintech. Our connector emits an FDX-shaped JSON bundle (account, transaction, statement) and records a consent receipt with scope, expiry and revocation endpoints, ready for compliance audit.

Member login (OAuth-style bridge)

POST /api/v1/fedtrust/auth/login
Content-Type: application/json

{
  "member_id": "0000123456",
  "credential": "<encrypted-password>",
  "device_fingerprint": "mob-9f2c…",
  "mfa_channel": "sms"
}

200 OK
{
  "access_token": "eyJhbGciOi…",
  "refresh_token": "rt_8a7b…",
  "expires_in": 900,
  "mfa_required": false,
  "consent_id": "csnt_2026_05_08_aab3"
}

Statement export with paging

GET /api/v1/fedtrust/accounts/SH-001/transactions
  ?from=2026-01-01&to=2026-04-30&cursor=eyJwYWdlIjoyfQ
Authorization: Bearer <ACCESS_TOKEN>
X-Consent-Id: csnt_2026_05_08_aab3

200 OK
{
  "account_id": "SH-001",
  "currency": "USD",
  "items": [
    {
      "id": "tx_88123",
      "posted_at": "2026-04-29T14:02:11Z",
      "amount": -42.17,
      "type": "debit_card",
      "merchant": "KROGER #1234",
      "mcc": "5411",
      "status": "posted"
    }
  ],
  "next_cursor": "eyJwYWdlIjozfQ"
}

Card-event webhook (HMAC signed)

POST https://your-app.example.com/hooks/fedtrust
X-Signature: t=1715170800,v1=8b7d…  // HMAC-SHA256 of body
Content-Type: application/json

{
  "event": "card.authorization",
  "card_id": "card_4f81",
  "amount": 19.95,
  "merchant": "NETFLIX",
  "mcc": "4899",
  "decision": "approved",
  "occurred_at": "2026-05-07T22:14:00Z"
}

# Verify with: hmac.new(secret, raw_body, sha256).hexdigest()
# Reject events older than 5 minutes to block replay attacks.

US regulatory alignment

Every FedTrust FCU connector we ship is designed against the CFPB Section 1033 Personal Financial Data Rights rule, which became effective on 17 January 2025 and phases in compliance for covered data providers between April 2026 and April 2030 by asset size. We also follow FFIEC authentication guidance, NCUA member-data expectations, the Gramm-Leach-Bliley Act privacy and safeguards rules, and Regulation E for electronic fund transfer disclosures.

Privacy and data minimization

Connectors record an explicit consent receipt for each member, scope tokens to only the data the third party actually requested, support member-initiated revocation, and never persist raw credentials. Logging redacts PAN, full SSN and OTP values at the edge so debug bundles can be shared with engineering without exporting regulated data.

About OpenFinance Lab

We are an independent technical studio focused on mobile-app protocol analysis and API integration for fintech, banking and credit-union clients. Our engineers come from card networks, core-banking vendors, payment gateways and security research, and we ship end-to-end connectors that pass internal risk review at regulated institutions.

• Card networks, digital banking, lending and remote deposit capture
• Enterprise API gateways, OAuth servers and security reviews
• Custom Python, Node.js and Go SDKs plus contract test harnesses
• End-to-end flow: protocol analysis → build → validation → compliance hand-off
• Source code delivery from $300 — runnable API source plus full documentation; pay after delivery upon satisfaction
• Pay-per-call API billing — access our hosted endpoints and pay only per successful call

Contact

For a quote on FedTrust Federal Credit Union or any of the similar apps listed above, send us your target app and a short data-scope description through our contact page. We respond with feasibility, an indicative timeline and a fixed-fee proposal.

Contact page

Engagement workflow

1. Scope confirmation — which screens, which data, which downstream system.
2. Protocol analysis and API design (2–5 business days, depending on MFA complexity).
3. Build and internal validation against a sandbox member (3–8 business days).
4. Documentation, samples, contract tests and threat-model write-up (1–2 business days).
5. Hand-off and 30-day support window covering bugfixes and protocol drift.

FAQ

What information do I need to provide to start a FedTrust FCU integration?

How long does a typical FedTrust FCU API delivery take?

Is the integration compliant with US financial data regulations?

Do you support tokenized access without credential sharing?