Freedom CU Mobile API integration services (FDX / OpenBanking)

Deliverables checklist

• OpenAPI 3.1 specification for every endpoint we wire (login, balances, statements, transfers, RDC status, alerts)
• Protocol & auth-flow report covering token lifecycles, biometric rebind, and replay-protection headers
• Runnable source for login and statement export in Python and Node.js, plus a thin Go SDK on request
• Unit and contract tests with replayable HTTP fixtures so QA can re-run the flow without a live member
• Compliance guidance — CFPB Section 1033 alignment, GLBA, state privacy notices, and FDX consent receipt templates

Two engagement models

Pick the model that matches your procurement style — both come with the same documentation and test artifacts.

• Source-code delivery from $300 — runnable code and docs handed over; you pay after acceptance.
• Pay-per-call hosted API — call our managed endpoint, pay only for usage, no upfront fee, ideal for spikes and pilots.

1. Accounting sync for small-business members

An SMB member with a Freedom CU checking account wants daily transaction sync into QuickBooks Online. Our connector authenticates with the member's consent, polls the statement endpoint for the prior day's posted activity, normalizes the JSON to the FDX Transactions resource shape, and pushes entries into QBO via its banking-feed API. Memo and amount fields are preserved verbatim so reconciliation diff stays clean.

2. PFM and debt aggregation

A PFM aggregator displays the member's current balance, mortgage balance, and auto-loan balance alongside accounts at other institutions. Our integration exposes /accounts, /accounts/{id}/balance, and a derived /accounts/{id}/loan resource, mapping each to FDX Loan and Deposit entities so the aggregator does not need credit-union-specific code paths.

3. Real-time reconciliation for a payroll provider

A payroll provider initiates ACH credits to the member's checking account and needs confirmation when funds post. Our webhook layer subscribes to ACH/A2A status updates, emits a normalized transfer.completed event with the original trace ID, and writes an audit row to the consent log so the payroll provider can prove timely settlement.

4. RDC mobile-deposit lockbox replacement

A non-profit replaces a paper lockbox with member-driven mobile deposit. Our RDC-status polling exposes the deposit ID, the check image hash, the hold-release date, and the current status (pending, accepted, rejected). The non-profit posts each accepted deposit to its donor CRM with the correct gift date — no manual reconciliation.

5. Card-control and fraud-alert hub

A multi-bank card-control hub lets the member freeze a Freedom CU debit card from a single screen. Our integration mirrors the in-app freeze action through an authorized control endpoint and listens for alert events (large transaction, card-not-present, geographic anomaly), reissuing those events on the hub's Kafka topic for fraud teams to action.

Login & session bind

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

{
  "member_id": "0001234567",
  "password": "<OBFUSCATED>",
  "device": {
    "app_version": "8.4.1",
    "platform": "android",
    "biometric_bound": true
  }
}

200 OK
{
  "access_token": "eyJraWQ...",
  "refresh_token": "rt_8d3...",
  "expires_in": 1800,
  "scopes": ["balances","statements","transfers","cards"]
}

Statement export (FDX-aligned)

POST /api/v1/freedom-cu/statement
Authorization: Bearer <ACCESS_TOKEN>
Content-Type: application/json

{
  "account_id": "S0001",
  "from_date": "2026-04-01",
  "to_date":   "2026-04-30",
  "page_size": 100,
  "format":    "fdx-json"
}

200 OK
{
  "transactions": [
    {
      "transactionId": "tx_5f2a...",
      "postedTimestamp": "2026-04-12T13:04:00Z",
      "amount": -42.18,
      "currency": "USD",
      "description": "PURCHASE - GROCERY 12",
      "category": "GROCERIES",
      "memo": "POS",
      "status": "POSTED"
    }
  ],
  "page": {"next": "cursor_xyz"}
}

Webhook: transfer status

POST {your_callback_url}
X-OFL-Signature: t=1714723200, v1=2c1c...
Content-Type: application/json

{
  "event": "transfer.completed",
  "transfer_id": "tr_a91b...",
  "from_account": "S0001",
  "to_account_external": "ROUTING/ACCT",
  "amount": 250.00,
  "currency": "USD",
  "ach_trace_id": "091000019876543",
  "completed_at": "2026-05-01T17:20:11Z"
}

# Reject if HMAC-SHA256 over (timestamp + "." + body)
# does not match X-OFL-Signature.

Regulatory alignment

US member-financial data is governed by the CFPB Personal Financial Data Rights Rule (Section 1033) and the Gramm-Leach-Bliley Act. In January 2025 the CFPB recognized the Financial Data Exchange (FDX) as a standard-setting body for the US open-banking ecosystem; the Spring 2025 release introduced FDX API v6.4 with a refreshed Consent API behavioral specification. Our deliverables emit FDX-shaped responses, capture machine-readable consent receipts, and support consent revocation in line with the rule's compliance trajectory through 2026.

Practical safeguards

• Member-authorized access only — no scraping of accounts without explicit consent
• Scope-limited tokens (balances vs. statements vs. transfers) with TTLs measured in minutes
• Field-level redaction in logs (PAN, full account number, member SSN)
• Consent log retained per FDX guidance with revocation timestamps
• NDAs and signed scope documents available before any protocol analysis begins

Alliant Credit Union

National digital-first credit union. Holds checking, savings, and high-yield account data; teams that integrate Freedom CU Mobile often need a unified statement export across Alliant accounts on the same dashboard.

Eastman Credit Union

Tennessee-based credit union with one of the highest-rated mobile apps in the segment. Similar account / RDC / bill-pay data shape, useful as a comparable reference when scoping a multi-CU rollout.

Delta Community Credit Union

Georgia's largest credit union. Shares the same retail-banking object model — balances, transfers, mobile deposit — and shows up frequently in southern-US aggregator portfolios.

Navy Federal Credit Union

The largest US credit union by assets. When defense-community members carry both Navy Federal and Freedom CU accounts, a normalized FDX feed avoids two integration codepaths.

PenFed Mobile

Pentagon Federal Credit Union's mobile app. Includes loans, cards, and ACH transfer data — a frequent companion in PFM integrations alongside other US credit unions.

Alternatives FCU Mobile

Community development credit union focused on inclusive finance. Same Symitar-style core surface, useful when a regional aggregator wants coverage of CDFI members.

Freedom FCU Mobile Banking

Maryland-based Freedom Federal Credit Union (distinct institution, similar app category). Often confused with Freedom CU Mobile; we routinely build a single connector that disambiguates the two by routing number and BIN.

Freedom CU (PA) / Freedom CU (UT)

Pennsylvania and Utah Freedom Credit Unions ship their own mobile apps and surface comparable account, transfer, and RDC data. Multi-state Freedom-branded coverage is a common scoping question for fintech buyers.

Freedom First Mobile App

Roanoke, Virginia community development credit union. Sits in the same retail-banking integration space and is often included when buyers want broader Mid-Atlantic / Southeast coverage.

About us

OpenFinance Lab is an independent studio focused on protocol analysis and authorized API integration for retail banking, fintech, and credit-union ecosystems. Our engineers have shipped data integrations across Symitar SymXchange, Jack Henry, Fiserv DNA, and Plaid Core Exchange, and we keep up with FDX releases (v4.5 → v6.4) so our exports do not drift from the standard.

• US credit-union cores: Symitar Episys, Corelation KeyStone, Fiserv
• FDX-aligned and Plaid-routed integrations, plus member-credentialed flows when authorized
• Custom Python / Node.js / Go SDKs and contract-tested fixtures
• Full pipeline: protocol analysis → build → validation → compliance review
• Source-code delivery from $300 — runnable code and full documentation; pay after delivery upon satisfaction
• Pay-per-call API billing — hosted endpoint, usage-based pricing, no upfront cost

Contact

Send us the target app and the data points you need (balances, statements, transfers, RDC). We respond with scope, timeline, and a fixed quote within one business day.

Contact page

Engagement workflow

1. Scope confirmation — pick the data points (balances, transactions, transfers, RDC) and the engagement model.
2. Protocol analysis & API design — typically 2–5 business days, depending on auth complexity.
3. Build and internal validation — 3–8 business days with replayable fixtures.
4. Documentation, samples and test cases — 1–2 business days.
5. First delivery in 5–15 business days; CFPB / FDX paperwork or third-party approvals can extend timelines.

FAQ

Is integration with Freedom CU Mobile compliant with US open banking rules?

What data can be exported from a Freedom CU Mobile account?

How long does a typical delivery take?

Do I need member credentials, or can you use FDX/Plaid?