Western Nebraska Bank Mobile — API & OpenBanking integration

Account authorization & session

Wrap the Internet Banking login plus the 4-digit passcode flow into a token-based authorization service. Endpoints: POST /auth/login, POST /auth/refresh, POST /auth/revoke. Use case: daily treasury sync that survives session timeouts without prompting the end user.

Transaction & statement export

Date-ranged statement pulls keyed by accountId, with pending and posted splits. Fields: amount, merchantName, category, geo, tags[], attachments[]. Use case: monthly bookkeeping import into QuickBooks Online or a custom ERP ledger.

Multi-institution aggregation

Replicate the app's "link another institution" capability so a single consented user presents a consolidated balance sheet across Western Nebraska Bank and external banks. Use case: agricultural lenders verifying cash flow across the farm's operating account and external commodity-buyer payouts.

Alerts & bill forecast webhooks

Convert in-app low-funds and upcoming-bill notifications into server-side webhooks. Payload contains event, accountId, threshold, dueDate. Use case: feed a small-business cash-flow dashboard that triggers a Slack alert 72 hours before a scheduled payment.

Custom-tag & note enrichment

The app lets users attach tags, notes, receipt photos, and geo-location to each transaction. We preserve this enrichment in the API layer, so downstream analytics inherits hand-curated categorization instead of re-deriving it from raw merchant strings.

ATM & branch locator feed

Expose branch and ATM locations as a GeoJSON feed so white-label financial tools can embed the community bank's physical footprint without scraping map tiles. Use case: a rural fintech dashboard showing nearest cash-access points for a client traveling across the Nebraska panhandle.

1. Farm and ranch bookkeeping sync

Western Nebraska Bank serves many agricultural customers. The scenario: a ranch's operating account produces weekly feed, fuel, and equipment charges that need to flow into an accounting package such as QuickBooks or Xero. We expose a GET /statements?from=YYYY-MM-DD&to=YYYY-MM-DD endpoint, map each transaction to FDX TransactionType, and preserve the user's tags (e.g. fuel, vet, hay) so the bookkeeper imports a categorized ledger rather than raw strings.

2. Small-business lending underwriting

A regional lender needs 12 months of bank statements to underwrite a working-capital loan. Instead of the applicant emailing PDF statements, they authorize our integration, which returns a signed JSON artifact plus a reproducible CSV. The data is pulled through the same session model the app uses and is enriched with merchant normalization that maps to FDX category codes, feeding the lender's decisioning engine directly.

3. Multi-bank cash-flow dashboard

Because the app already aggregates external institutions, a single consent grants visibility across Western Nebraska Bank plus any linked accounts. We turn that aggregate into a /v1/aggregated-positions endpoint, suitable for a CFO tool that needs a net cash position across checking, savings, and a secondary institution — a very common setup for rural businesses that hold a primary relationship locally and a secondary account with a larger regional bank.

4. Compliance-ready consent & revocation

Under CFPB §1033 and contract law, consumers must be able to revoke data access at any time. We stand up a /consents service that records the grant, scope, and expiration; a DELETE /consents/{id} endpoint purges tokens; and every data pull writes an immutable audit record to object storage for later inspection by the bank or regulator.

5. Receipt-capture-to-ERP pipeline

The app lets users attach photos of receipts and checks to transactions. We surface these attachments through a signed-URL endpoint, then route them into an ERP document store alongside the matching journal entry, closing a gap that most commercial aggregators ignore.

Authorization handshake

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

{
  "username": "<internet-banking-user>",
  "password": "<internet-banking-pass>",
  "device_passcode": "<4-digit-passcode>"
}

200 OK
{
  "access_token": "eyJhbGciOi...",
  "refresh_token": "rt_8f3a...",
  "expires_in": 900,
  "session_id": "sess_01HXYZ..."
}

We wrap the app's native session handshake, including the 4-digit device passcode, in a signed JWT so downstream services never see raw credentials. Tokens rotate on a short TTL; refresh calls re-use the stored session fingerprint.

Statement query

GET /api/v1/wnb/accounts/{accountId}/transactions
  ?from=2026-01-01&to=2026-03-31&page=1&size=100
Authorization: Bearer <ACCESS_TOKEN>

200 OK
{
  "accountId": "acct_773821",
  "page": 1,
  "total": 284,
  "items": [
    {
      "txId": "tx_0001",
      "postedAt": "2026-03-28T14:02:11Z",
      "amount": -184.22,
      "currency": "USD",
      "merchant": "Tractor Supply #418",
      "category": "Farm Supplies",
      "status": "posted",
      "tags": ["feed","quarter-1"],
      "note": "winter cattle feed",
      "geo": { "lat": 41.867, "lng": -103.661 }
    }
  ]
}

Responses follow FDX-compatible field naming so downstream consumers can adopt our feed with minimal schema translation.

Alert webhook

POST https://your-app.example.com/webhooks/wnb
X-Signature: t=1711664321,v1=7c8f...
Content-Type: application/json

{
  "event": "low_balance",
  "accountId": "acct_773821",
  "balance": 245.18,
  "threshold": 500.00,
  "firedAt": "2026-03-28T14:02:11Z"
}

-> 200 OK (ack)
// Retries with exponential backoff on non-2xx

HMAC signatures, deterministic retries, and idempotency keys match the patterns your security team already expects from Stripe or Plaid.

Deliverables checklist

• OpenAPI 3.1 specification covering login, accounts, transactions, alerts, locations
• Protocol and auth-flow report (session chain, token handling, device-passcode binding)
• Runnable source for the full API in Python (FastAPI) or Node.js (NestJS)
• Merchant normalization worker with FDX category mapping
• Postman / Insomnia collection plus pytest / Jest integration tests
• Compliance notes covering CFPB §1033, GLBA, and consent record format
• Runbook for credential rotation, incident response, and revocation

Engagement models

• Source code delivery from $300 — you receive runnable API source code and full documentation; pay after delivery upon satisfaction.
• Pay-per-call hosted API — access our hosted endpoints and pay only for the calls you make, with no upfront fee, ideal for teams that prefer usage-based billing or want to pilot before committing code to their stack.

We sign NDAs and can work under your existing data-processing agreement where required.

About the studio

We are an independent technical studio focused on App interface integration and authorized API integration, with direct experience in financial and banking apps, e-commerce and retail flows, hotel and travel booking, and social / OTT messaging surfaces. Team members have spent years on mobile payments, protocol analysis, and cloud backends across multiple regions.

For US community-bank work specifically, we combine FDX-aligned API design with the pragmatic reverse engineering required when an institution has not yet published a developer portal — always under explicit consumer authorization or documented public endpoints.

Contact

To request a quote, share a scope, or start a pilot against Western Nebraska Bank Mobile, reach us through our contact page:

Open the contact page

Please include the target app name, the data classes you need, and any existing credentials or sandbox access you already hold.

Engagement workflow

1. Scope confirmation — which data classes, which authorization model, which downstream systems.
2. Protocol analysis & API design (2–5 business days, complexity-dependent).
3. Build and internal validation against a real consented test account (3–8 business days).
4. Documentation, Postman samples, and test cases (1–2 business days).
5. Handover and post-delivery support window; pay-per-call customers move straight to production access.

FAQ

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Do you support both Android and iOS sources?