SCFCU Mobile API integration services (Credit Union OpenBanking)

1. Accounting reconciliation for member-owned small businesses

Many Central Minnesota small businesses bank with SCFCU. We expose the transaction history endpoint as an FDX-aligned feed (/accounts/{id}/transactions) and push it nightly to QuickBooks Online or Xero. Pending and posted states are reported separately so bookkeepers can match deposits against open invoices without double-counting. Status webhooks tell the accounting system when a previously pending transaction settles or returns NSF.

2. Personal Financial Management aggregation

PFM apps that today rely on legacy screen-scraping can switch to consent-permissioned FDX endpoints. We implement the FDX /customers/current/accounts and /accounts/{id}/transactions endpoints backed by the SCFCU member session, and surface them through a standard OAuth 2.0 authorization-code flow. The result: faster account verification and fewer broken-link support calls — exactly the shift CUInsight and Apiture have documented across credit unions in 2025.

3. Mobile Remote Deposit Capture for B2B back-office

Property managers, churches and nonprofits often receive paper checks. We embed the SCFCU RDC submission flow into a back-office web app: the user drops scanned front/back images, our wrapper posts them through the authorized deposit endpoint, and a webhook returns hold and available-funds dates. The pipeline includes image-quality validation, duplicate-deposit detection, and a signed audit log per deposit.

4. Combined fiat + digital asset reporting

Because SCFCU runs the DaLand-built CU-Digital Asset Vault, a single member can hold a checking account, a CD, and BTC/ETH/USDC custody balances under one core. We expose those vault holdings through a parallel read-only endpoint and merge them into a unified net-worth view. The downstream system gets one canonical balance feed instead of stitching a credit-union API to a separate exchange API.

5. Section 1033 consent & data-minimization layer

For fintechs that want to be ready for whatever shape the final Section 1033 rule takes after the CFPB's 2025 reconsideration, we add a consent layer that records purpose, scope, retention and revocation per member. Each downstream API call carries the member's active scopes, and revoked scopes deactivate aggregator pulls within minutes rather than during the next nightly batch.

Member login & OAuth-style session bootstrap

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

{
  "member_number": "<masked>",
  "password": "<secret>",
  "device_fingerprint": "ios-faceid-v2",
  "challenge_response": "Q3:Riverside"
}

200 OK
{
  "access_token": "eyJhbGciOi...",
  "refresh_token": "rt_...",
  "expires_in": 1800,
  "scope": "accounts.read transactions.read transfers.write rdc.write vault.read"
}

FDX-aligned transaction history

GET /api/v1/scfcu/accounts/{accountId}/transactions
  ?fromDate=2026-04-01&toDate=2026-04-30&pageKey=cur_2
Authorization: Bearer <ACCESS_TOKEN>

200 OK
{
  "transactions": [
    {
      "transactionId": "tx_8f12...",
      "postedTimestamp": "2026-04-18T13:42:11Z",
      "amount": -52.30,
      "description": "ACH DEBIT XCEL ENERGY",
      "status": "POSTED",
      "category": "Utilities",
      "mcc": "4900",
      "memo": null
    }
  ],
  "page": { "nextPageKey": "cur_3" }
}

Mobile Remote Deposit Capture webhook

POST https://your-app.example/webhooks/scfcu/rdc
X-OFL-Signature: sha256=...

{
  "depositId": "rdc_b7a4...",
  "accountId": "acc_9201...",
  "amount": 1248.75,
  "status": "HOLD_AVAILABLE",
  "holdReleaseDate": "2026-05-13",
  "imageRefs": ["front_b7a4.jpg", "back_b7a4.jpg"],
  "errors": []
}

Digital asset vault read

GET /api/v1/scfcu/vault/holdings
Authorization: Bearer <ACCESS_TOKEN>

200 OK
{
  "holdings": [
    {"asset":"BTC","amount":"0.4218","costBasisUSD":"22418.10"},
    {"asset":"ETH","amount":"2.110","costBasisUSD":"6122.50"},
    {"asset":"USDC","amount":"5400.00","costBasisUSD":"5400.00"}
  ],
  "asOf": "2026-05-11T08:00:00Z",
  "custodyModel": "hybrid-self-custody"
}

US regulatory alignment

All integrations are built to the CFPB Personal Financial Data Rights (Section 1033) framework, GLBA Safeguards, NCUA member-privacy expectations, and BSA/AML logging requirements. Field semantics follow the Financial Data Exchange (FDX) API v6.5 standard so a downstream consumer can swap SCFCU for another FDX-compliant data provider without rewriting payload parsers.

Consent, scope & revocation

• Per-member consent records: purpose, scope, retention, expiry
• Granular OAuth scopes per endpoint (read vs. write)
• Short-lived access tokens with rotating refresh tokens
• Audit log of every data export with replay protection
• Revocation propagation within minutes, not next batch window

Alliant Credit Union

Digital-first national credit union with checking, high-yield savings and a popular cash-back card. Members often want a unified balance and transaction feed alongside SCFCU.

Eastman Credit Union

Consistently rated among the highest-scoring US credit union apps on iOS and Android; another natural counterpart when consolidating regional credit union data.

Delta Community Credit Union

Georgia-based credit union with broad checking, savings and lending products; cross-institution PFM users typically link Delta Community alongside other credit unions.

Redstone Federal Credit Union

Large federal credit union centred in Alabama; common appearance in multi-credit-union accounting and reporting integrations.

ESL Federal Credit Union

New York based, member-owned, with strong checking and business banking; integrators routinely pair ESL with SCFCU-style accounts for unified transaction exports.

Wright-Patt Credit Union

One of the larger Ohio-based credit unions; another data source whose transaction shape maps cleanly to FDX-aligned consumers.

Navy Federal Credit Union

The largest US credit union, with more than 15 million members. PFM and accounting tools that already support Navy Federal usually want SCFCU added with the same field shape.

Pentagon Federal (PenFed)

Open-membership federal credit union with extensive ATM network; often combined with smaller regional CUs in a single integration view.

BECU (Boeing Employees' CU)

Largest credit union in Washington state with over 1.5 million members; another familiar member-banking endpoint in unified credit union dashboards.

Alternatives FCU

Community-development federal credit union with its own mobile app; a typical companion when small/community CUs are integrated into the same FDX-aligned pipeline.

Deliverables checklist

• OpenAPI / Swagger specification, FDX v6.5 aligned
• Protocol and auth flow report (login, token refresh, scope mapping)
• Runnable Python and Node.js source for balances, transactions, transfers, RDC and vault read
• Postman collection and automated test cases
• Compliance guidance: Section 1033 readiness, GLBA, NCUA notes
• Member consent ledger schema (purpose, scope, retention, revocation)

Engagement workflow

1. Scope confirmation: which SCFCU Mobile data points and write actions are required
2. Protocol analysis and FDX mapping (2–5 business days)
3. Build, internal validation and signed test runs (3–8 business days)
4. Docs, sample apps and Postman collection (1–2 business days)
5. Typical first delivery: 5–15 business days; vault and RDC work may add up to a week

About us

OpenFinance Lab is an independent technical studio focused on fintech and open-data API integration. Our team includes engineers from banks, credit unions, payment networks and protocol-analysis backgrounds. We are familiar with FDX, CFPB Section 1033, NCUA member-privacy expectations and the broader US OpenBanking shift away from screen-scraping toward consent-permissioned APIs.

• Retail banking, credit union and PFM data integrations
• Mobile RDC, ACH and digital asset custody read pipelines
• Custom Python, Node.js and Go SDKs with automated test harnesses
• End-to-end pipeline: protocol analysis → build → validation → compliance
• Source code delivery from $300 — runnable API source and full documentation; pay after delivery upon satisfaction
• Pay-per-call API billing — access our hosted endpoints and pay only per call, no upfront cost

Contact

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

Contact page

FAQ

What do you need from me to start an SCFCU Mobile integration?

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More questions

Do you support both Android and iOS SCFCU Mobile builds?

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