My Nymeo Mobile API integration services (OpenBanking / OpenData)

1 · Secure sign-on & session API

Mirrors the app's "online banking secure sign-on": credential exchange, multi-factor challenge, device binding and token refresh. Use it to keep a long-lived connection alive for nightly transaction pulls without re-prompting the member every run.

2 · Balances & account list

Returns every share and loan sub-account with type, nickname, current balance, available balance and last-activity date. Concrete use: a treasury view that rolls up a household's or small business's total Nymeo position alongside other institutions.

3 · Transaction statement export

Date-bounded, paged transaction history with amount, sign, posting/effective dates, description, check number and category hint; exportable to CSV, Excel, JSON or PDF. Concrete use: monthly bank reconciliation in QuickBooks, Xero or a custom ledger.

4 · Transfers & scheduled payments

Create internal transfers (from/to account, amount, memo, date) and read bill-pay history, payees and scheduled payments with status. Concrete use: an AP assistant that warns when a scheduled payment would overdraw the funding account.

5 · Mobile check deposit lifecycle

Wraps the camera-deposit flow: submit image references and amount, then track deposit ID, acceptance, funds-availability hold and posting. Concrete use: matching a deposited customer check to an open invoice and closing it automatically when the hold releases.

6 · Branch & ATM locator API

Surfaces the in-app "Locations" data — branch and shared-network ATM coordinates, hours and services — as a simple geo endpoint. Concrete use: embedding a "nearest Nymeo access point" widget in a partner app or member portal.

A · Small-business bookkeeping sync

Context: a Frederick-area business banks with Nymeo and wants its checking activity in Xero every morning.
Data/API: secure sign-on + transaction statement export (/v1/nymeo/statement) on a nightly schedule, de-duplicated by transaction ID.
OpenBanking mapping: a classic "account information service" pull — read-only, consented, FDX-style transaction objects normalized for an accounting platform.

B · Personal finance & net-worth aggregation

Context: a budgeting app shows a member their full picture across several institutions.
Data/API: balances + account list + transaction history, refreshed via webhook on new activity.
OpenBanking mapping: data aggregation through an authorized channel (e.g. Plaid's OAuth integration for Nymeo) with our layer adding stable schemas, retries and backfill.

C · Receivables matching from mobile deposits

Context: a services firm deposits client checks with the phone camera and wants invoices closed automatically.
Data/API: mobile-deposit lifecycle events + transaction posting, joined to an invoice ledger on amount and date.
OpenBanking mapping: event-driven OpenFinance — deposit "created / accepted / held / posted" states streamed to a downstream system.

D · Cash-flow guardrails for bill pay

Context: an AP assistant should block or warn before a scheduled Nymeo bill payment overdraws the funding account.
Data/API: scheduled-payments read + balances + projected transactions; a pre-flight check returns "safe / tight / overdraft risk".
OpenBanking mapping: combining account information with payment context — the building block of a payment-initiation-aware workflow.

E · Compliance & audit data lake

Context: a fintech partner must retain a tamper-evident record of every member-authorized data pull.
Data/API: all read endpoints emit structured access logs (who, what scope, when, consent ID) to object storage.
OpenBanking mapping: consent and audit trails as first-class artifacts — exactly what CFPB Section 1033 and GLBA examinations look for.

1 · Secure sign-on (request / response)

// POST /v1/nymeo/auth/login
{
  "username": "<member_login>",
  "password": "<secret>",
  "device_id": "a91f-...-2c",
  "mfa": { "method": "otp", "code": "482910" }
}

// 200 OK
{
  "access_token": "eyJhbGciOi...",
  "token_type": "Bearer",
  "expires_in": 1800,
  "refresh_token": "rt_8f2c...",
  "scopes": ["accounts:read","transactions:read","transfers:write"]
}

2 · Transaction statement export

// GET /v1/nymeo/accounts/{id}/transactions
//   ?from=2026-04-01&to=2026-04-30&page=1&page_size=200
Authorization: Bearer <ACCESS_TOKEN>

// 200 OK
{
  "account_id": "shr_3320",
  "currency": "USD",
  "page": 1, "page_size": 200, "next_page": null,
  "transactions": [
    {
      "id": "txn_77f1",
      "posted_date": "2026-04-18",
      "effective_date": "2026-04-17",
      "amount": -54.20,
      "description": "POS PURCHASE - SAFEWAY #1532",
      "check_number": null,
      "category_hint": "groceries",
      "running_balance": 1842.96
    }
  ]
}

3 · Webhook: new transaction / deposit posted

// POST https://your-app.example/webhooks/nymeo
X-Signature: sha256=2b7c...
{
  "event": "transaction.posted",
  "consent_id": "cns_5510",
  "account_id": "chk_1180",
  "data": {
    "id": "txn_9a02",
    "amount": 1200.00,
    "type": "mobile_deposit",
    "deposit_id": "dep_4471",
    "hold_amount": 200.00,
    "available_on": "2026-05-13",
    "status": "posted"
  },
  "occurred_at": "2026-05-11T13:22:05Z"
}

// Error envelope (any endpoint)
// 401 { "error": "session_expired", "retryable": true, "hint": "refresh_token" }

Data flow / architecture

A simple, auditable pipeline: My Nymeo Mobile / online banking → authorized ingestion layer (secure sign-on, aggregator/Open Banking channel, rate limiting, consent store) → normalization & storage (canonical account, transaction, payment and deposit objects in your warehouse or our managed store) → API output / analytics (REST/SDK, CSV-Excel-PDF exports, webhooks, BI dashboards). Every hop writes a structured access log keyed by consent ID.

Deliverables checklist

• API specification (OpenAPI / Swagger) for the endpoints you need
• Protocol & auth-flow report — secure sign-on, MFA, device binding, token/cookie chain
• Runnable source code for login, balances, transaction export and transfers (Python and Node.js)
• Webhook receiver sample, signature verification and replay-safe handling
• Automated tests, Postman/HTTP collection and written API documentation
• Compliance guidance — consent capture, data minimization, retention, NCUA / GLBA / Section 1033 alignment notes

Recent context worth knowing

Nymeo Federal Credit Union's accounts are reachable through Plaid's network in the US, and in the last two years that connection moved to a token-based OAuth integration — meaning a member authorizes data sharing without handing raw credentials to a third party. In 2024 the CFPB finalized its Personal Financial Data Rights rule (Section 1033), and through 2025–2026 credit unions and their digital-banking vendors have been modernizing toward standardized, consent-driven APIs (the FDX direction). We build integrations that fit this trajectory rather than fighting it.

Compliance & privacy

We work strictly under member authorization or documented public / aggregator / Open Banking channels. Engagements align with: oversight by the National Credit Union Administration (NCUA); the CFPB Personal Financial Data Rights rule (Section 1033); the Gramm-Leach-Bliley Act safeguards and privacy provisions; and Regulation E for electronic fund transfers. We also follow FDX-style API conventions and SOC 2-aligned operational controls. Outputs include consent records, scoped tokens, audit logs and data-minimization defaults; NDAs are signed on request.

Typical modules

• Secure sign-on, MFA challenge and token refresh
• Balances and account list (share, checking, savings, certificates, loans)
• Transaction history, statements and CSV/Excel/PDF export
• Internal transfers and bill-pay / scheduled-payment reads
• Mobile check deposit lifecycle and posting events
• Branch & ATM locator endpoint and consent/audit logging

Other credit-union banking apps

• A+ Federal Credit Union app — balances, transaction monitoring, transfers, mobile deposit, eStatements; members using both often need a single transaction feed across A+ and Nymeo.
• Navy Federal Credit Union app — a personalized dashboard with spending, budgeting, accounts and credit score; a frequent "primary" account alongside a local credit union like Nymeo.
• Keesler Federal Credit Union digital banking — account access, check deposit, transfers and spending tracking; similar data shapes for cross-institution aggregation.
• Communication Federal Credit Union (CFCU Mobile Banking) — 24/7 balances, account history, transfers and remote deposit; another candidate for unified statement export.
• Self-Help Federal Credit Union app — online-banking-linked mobile access; common in community-finance stacks that also touch Nymeo.
• Global Credit Union online & mobile banking — 24/7 money management; the kind of account a member might consolidate views with.
• Alternatives FCU Mobile — mission-driven credit-union banking; relevant where partners need consented data across several CUs.
• Eastman Credit Union app — highly rated CU app with the standard balances/transactions/transfers/deposit set; useful comparator for aggregation coverage.
• Delta Community Credit Union & Wright-Patt Credit Union apps — large regional credit unions with the same core feature set; often appear in the same "connect my accounts" lists as Nymeo.

If you work with any of the apps above, the same protocol-analysis-to-API workflow applies — we normalize each institution's balances, transactions, transfers and deposits into one schema so your product sees a consistent OpenBanking-style feed.

About us

We are an independent technical studio focused on mobile-app protocol analysis and open-data / open-finance API integration. The team includes engineers with backgrounds in banking, payment gateways, data aggregation and cloud infrastructure, and we have shipped end-to-end financial APIs under real security and compliance constraints.

• Digital banking, credit unions, payments, insurtech and cross-border data flows
• Enterprise API gateways, webhook infrastructure and security reviews
• Custom Python / Node.js / Go SDKs, test harnesses and CI checks
• Full pipeline: protocol analysis → build → validation → compliance hand-off
• Source-code delivery from $300 — runnable API source code and full documentation; pay after delivery upon satisfaction
• Pay-per-call API billing — use our hosted endpoints and pay only per call, no upfront cost; ideal for usage-based teams

Contact

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

Contact page

Tell us which data you need (balances, transaction history, transfers, bill pay, mobile deposit), your target platforms, and whether you prefer source-code delivery or a hosted pay-per-call API.

Engagement workflow

1. Scope confirmation — which screens and data (balances, transactions, transfers, bill pay, mobile deposit) and which delivery model.
2. Protocol analysis and API design — secure sign-on, MFA, pagination, normalization (2–5 business days, complexity-dependent).
3. Build and internal validation — endpoints, webhooks, error handling, tests (3–8 business days).
4. Documentation, samples and test cases (1–2 business days).
5. Typical first delivery in 5–15 business days; aggregator approvals or extra scopes may extend the timeline.

FAQ

What do you need from me to start a My Nymeo Mobile integration?

How long does delivery take?

How do you handle compliance and member privacy?

Can you deliver runnable source code instead of a hosted API?