NET Credit Union API integration (OpenBanking & data export)

Deliverables checklist

• OpenAPI 3.1 specification for every endpoint we ship
• Protocol analysis report (auth handshake, token lifetime, MFA path)
• Runnable reference source in Python and Node.js (login, balance, statement, transfer)
• Postman collection and curl recipes for every flow
• Compliance pack: Section 1033 mapping, GLBA control notes, NCUA / FFIEC alignment
• Pluggable aggregator adapter (Plaid, MX, Finicity, Yodlee, Akoya) behind a single schema

Engagement models

• Source-code delivery from $300 — you receive runnable code and docs, and only pay after the delivery passes your acceptance tests.
• Pay-per-call hosted API — we host the endpoints, you consume them per request with no upfront cost. Ideal for variable workloads and proof-of-concepts.
• NDAs, custom SLAs and on-prem deployment available for enterprise members.

1. SMB accounting sync

A small-business member runs a QuickBooks-style ledger and wants nightly imports of every checking and credit-card transaction. We expose a normalized GET /statement endpoint that emits OFX/JSON, deduplicates against pending entries, and applies stable transaction IDs across pulls. Maps cleanly to the Section 1033 "transactions" data class.

2. Lending pre-qualification

A consumer-lending app needs 90 days of inflow and outflow plus current balances before extending credit. We pull accounts + transactions through a member-authorized session, compute average daily balance and NSF count, and return a decisioning payload. This mirrors the cash-flow underwriting patterns that aggregators such as Plaid and Finicity already support for thousands of credit unions.

3. Treasury cash sweeping

Members who hold a NET Credit Union savings buffer alongside higher-yield accounts elsewhere want rules like "if checking < $1,000, move $500 from savings". Our service watches balance webhooks and triggers an internal POST /transfer; transfers settle through the credit union core in seconds, no external rail required.

4. Zelle disbursement at scale

A gig-economy payer needs to pay contractors on demand via Zelle. We wrap the mobile app's Zelle flow into POST /p2p/zelle, returning a confirmation ID and status webhook. The integration honors Zelle daily limits and stores consent receipts for each instructed transfer.

5. Branch & ATM embedding

A member-facing concierge app wants to surface NETFCU's surcharge-free ATM network inside its own map. We expose a thin GET /atms?lat=&lng= endpoint that proxies the in-app ATM locator and caches results at the city level for low-latency rendering.

Auth handshake (pseudocode)

POST /api/v1/netfcu/session
Content-Type: application/json

{
  "username": "member_handle",
  "password": "<encrypted>",
  "device_fingerprint": "sha256:...",
  "biometric_assertion": "<FIDO2 attestation, optional>"
}

200 OK
{
  "access_token": "eyJhbGciOi...",
  "refresh_token": "rt_...",
  "expires_in": 1800,
  "mfa": { "required": false }
}

Statement query

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

{
  "account_id": "acct_chk_001",
  "from_date": "2026-04-01",
  "to_date":   "2026-04-30",
  "channels":  ["ACH","ZELLE","RDC","CARD"],
  "cursor":    null,
  "limit":     200
}

200 OK
{
  "transactions": [
    {
      "id": "txn_20260411_8821",
      "posted_at": "2026-04-11T15:02:11Z",
      "amount":    -42.18,
      "currency":  "USD",
      "channel":   "CARD",
      "merchant":  "Stop & Shop #482",
      "status":    "POSTED",
      "category":  "groceries"
    }
  ],
  "next_cursor": "cur_8821"
}

Zelle send + webhook

POST /api/v1/netfcu/p2p/zelle
Authorization: Bearer <ACCESS_TOKEN>

{
  "from_account": "acct_chk_001",
  "to_token":     "zelle://+15085550199",
  "amount":       125.00,
  "memo":         "April reimbursement",
  "idempotency_key": "z_2026_04_11_001"
}

201 Created
{ "confirmation_id": "ZEL-7H9KX", "status": "PROCESSING" }

# Asynchronous status callback
POST {your_webhook}/netfcu/zelle
X-Signature: t=...,v1=...

{
  "confirmation_id": "ZEL-7H9KX",
  "status": "COMPLETED",
  "settled_at": "2026-04-11T15:03:44Z"
}

Mobile deposit (RDC)

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

front_image=@check_front.jpg
back_image=@check_back.jpg
amount=560.00
account_id=acct_chk_001

202 Accepted
{
  "deposit_id":  "rdc_2026_04_11_4421",
  "status":      "UNDER_REVIEW",
  "hold_release": "2026-04-13"
}

Navy Federal Credit Union

The largest US credit union with more than 15 million members and over $165 billion in deposits. Members holding both a Navy Federal account and a NET Credit Union account often want a single unified transaction feed and inter-institution transfer rules.

PenFed (Pentagon Federal Credit Union)

PenFed serves 2.7M+ members nationwide; its app exposes balances, transfers, cards and rewards. Integration buyers commonly pair PenFed data with smaller institutions like NET Credit Union for cross-CU underwriting.

Alliant Credit Union

Online-first credit union with a strong cash-back card program and an aggregator-friendly app. Used as a reference target for high-yield savings sweeping rules sitting alongside NETFCU checking.

SchoolsFirst FCU

California-based credit union with 1.5M+ members and a redesigned mobile app covering biometric login, mobile deposit and bill pay. Common in education-sector payroll integrations.

Bethpage Federal Credit Union

Large Northeast credit union with a well-rated mobile app. Frequently appears alongside NET Credit Union in member portfolios across New England and the New York metro.

Wright-Patt Credit Union

Ohio-based community CU with Popmoney person-to-person payments and a purchase rewards program. Useful reference for Zelle-equivalent P2P integration patterns.

Eastman Credit Union

Highly rated regional credit union app, often cited as a benchmark for mobile UX. Provides a quick-balance feature and biometric login similar to NETFCU.

Delta Community Credit Union

Georgia's largest credit union with a top-rated iOS and Android app for transfers, deposits and payments. Common counterpart in airline-employee household integrations.

NETFCU (New England Teamsters FCU)

A separately operated namesake credit union (com.neteamstersfcu.mobile) often confused with NET Credit Union. Integration teams must disambiguate by package ID and member institution number when wiring up flows.

FAIRWINDS Credit Union

Florida-based credit union already exposed through aggregator API and transaction data partners. A useful reference when planning Plaid- or Finicity-backed coverage for smaller institutions in parallel with NETFCU.

About OpenFinance Lab

We are an independent studio focused on mobile app protocol analysis, OpenBanking and OpenData integration. Our engineers come from US digital banking, payments, mobile security and cloud backgrounds, and we ship credit-union-grade integrations under signed authorization with member consent.

• Credit unions, community banks, neobanks and crossover fintech
• Aggregator adapters (Plaid, MX, Finicity, Yodlee, Akoya) wrapped behind one schema
• Custom Python / Node.js / Go SDKs, plus Postman collections
• Compliance pack: Section 1033 mapping, GLBA, NCUA, FFIEC, state privacy laws
• Source-code delivery from $300 — runnable API source and full documentation, paid only after acceptance
• Pay-per-call hosted API — consumption pricing, no upfront cost, ideal for variable workloads

Contact

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

Contact page

Engagement workflow

1. Scope confirmation: integration scenarios, data classes and target volume.
2. Protocol analysis and OpenAPI design (2–5 business days).
3. Build and internal validation against sandbox + sample member (3–8 business days).
4. Docs, samples and acceptance tests (1–2 business days).
5. Typical first delivery: 5–15 business days; aggregator certification queues can extend the timeline.

FAQ

What inputs do you need to start a NET Credit Union integration?

How long does a first NET Credit Union API drop take?

How do you handle US credit union compliance and Section 1033?

Do I have to use Plaid or can I bypass aggregators?