Your Purpose-built Digital Business Banking Solution

Give your business account holders the advanced features, intuitive design, and on-the-go capabilities they need to make their digital banking experiences seamless and efficient.

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Deliver Comprehensive Capabilities

Apiture’s Business Banking solution contains the advanced security, payment, forecasting, and digital account opening features that your business users need to spend less time banking and more time on what matters most — building their businesses.

Offer a Modern, Intuitive Experience

Minimize training time with a platform that makes ease-of-use a top priority. Our Business Banking solution puts the user first, providing an intuitive experience that’s closely aligned with business account holders’ needs.

Enable Mobile Banking

In today’s work-from-anywhere business world, speed and reliability are non-negotiable, especially when it comes to banking. Deliver a secure mobile experience that’s also fast and dependable, so business processes like wires, payroll, vendor payments, and check deposits can be processed on a business owner’s mobile device.

Solutions Used by Millions

Our Business Banking Features

Business Insights and Reporting

Small businesses need predictive data and reporting tools to run their operations effectively. At the same time, your institution can benefit from these tools to guide account holders and gain insights that will help you compete against larger institutions.

Through the Business Insights cash flow management tool, your financial institution can help small businesses interpret their own financial data, behavior, and trends while arming your relationship managers with valuable insights for advisory discussions. Businesses can also take advantage of Premium Payment and Balance Reporting, features that provide insights into account data and detailed tracking of payments to create highly customized reports.

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Payments and Transfers

Your commercial clients are busy running their own businesses, and they require simple, intuitive solutions to streamline banking operations.

That’s why we provide a full suite of cash management capabilities and payment options in your Business Banking platform. Simple solutions for ACH, wires, transfers, P2P payments, business bill payments, and real-time payments enable your clients to move money efficiently.

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Fraud Prevention and Security

Small business clients rely on your bank or credit union to protect digital banking channels and the payments that flow through them. By choosing a business banking platform with robust fraud prevention solutions, continuous monitoring, and real-time alerts, you can detect and respond to suspicious activity before funds ever leave your clients’ accounts.

With Apiture, you can also support businesses’ needs with secure check services, such as positive pay and remote deposit capture. And, our robust user administration tool empowers your business clients to manage employees’ access and entitlements while you securely manage their accounts and transactions.

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Data Intelligence

Use the power of data to better understand and market to small businesses.

With Apiture’s Data Intelligence solution, you’ll benefit from a suite of analytics and marketing tools to help you glean essential insights from user activity, cross-sell products and services, and build brand loyalty through targeted campaigns. Whether you have in-house data analysts or want to rely on partners for support, our multi-tiered toolset allows you to choose how engaged you want to be with your data.

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Digital Customer Support

As the use of digital banking channels grows, providing in-application support is more important than ever.

Our robust digital support tools — including screen sharing, video, chat, voice, and text capabilities — are integrated with our platform to provide businesses with the real-time support they need. By meeting business clients where they are — on their screens — you provide the innovative, flexible support tools they need, the instant they need them.

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Digital Account Opening

Grow your account base by meeting businesses where they are — online. Our comprehensive solution facilitates the account opening process from end-to-end for the most popular account types, including new checking, savings, money market, or certificate of deposit (CD) accounts.

Coupling digital account opening with our Business Banking solution helps you put your best face forward, giving small businesses a fast, seamless way to initiate a relationship with your institution.

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Apiture Is Redefining Digital Banking, One Award-Winning Solution at a Time

99.996%

Uptime in 2023

$100M+

Platform investment since 2017

$4B

In collective new deposits 
from three clients in 2023

Who We Serve

We empower banks and credit unions to know and serve their customers and members with the care of a traditional community institution at the scale, speed, and efficiency required in today’s digital world.

Hear from Our Clients

Apiture has a genuine interest in being a 50/50 partner.

Craig Rodenberger SVP, Chief Marketing Officer, Ephrata National Bank

We have been very pleased with Apiture’s platform, customer service, and delivery. Through their banking solution, First Reliance has been able to attract larger business customers, thus driving notable revenue growth.

Rick Saunders Chief Executive Officer and Founder, First Reliance Bank

By partnering with Apiture, we will be able to deliver the comprehensive digital banking capabilities our customers will require along with the outstanding customer experience they expect online today.

Barry Sloane Chairman, President and Chief Executive Officer, NewtekOne

My [Apiture] customer success manager has taken the time to get to know me and my expectations. When I have a question or issue, I can always get my CSM, or even an upper manager at Apiture team, on the phone. The team listens, takes feedback and really works to improve.

Sherry Darnell AVP of eBanking, Cross Keys Bank

Apiture and our ecosystem partners are crucial in delivering an open banking platform that allows us to treat each of our customers like the only customer in the bank. You simply cannot do that on legacy technology, and we are thrilled to be live with Apiture next-generation platform to deliver on our mission to be America’s small business bank.

James S. (Chip) Mahan III CEO and chairman at Live Oak Bank

Our partnership with Apiture further positions First Reliance as a leader in the banking industry. The product delivers like-features as those provided by larger institutions, but without losing the personalized relationships we have established within the communities we serve.

Ben Brazell Executive Vice President Retail Banking, First Reliance Bank

Besides opening an account or taking a loan, our online and mobile channels are the most important services we provide. It’s something that people depend upon, and they want to know that it’s safe and secure. It’s critical that they can trust us to provide that experience and we trust Apiture to continue to deliver it.

Sharla Reed VP of electronic banking, Savings Bank of Mendocino County
Virtual Bank Logo

We’re excited to partner with Apiture to launch our VirtualBank brand. Apiture’s API-first platform will enable VirtualBank to work with the leading technology companies we need to be able to compete in a digital-first market.

Anthony Restel CEO, First Horizon / Virtual Bank

We’ve had a lot of positive feedback on [Apiture’s] new mobile experience. I’ve even been contacted at home in the evening from members and employees telling me how much they enjoy the new application.

Jenny Casteel Director of ecommerce, Listerhill Credit Union

The custom development with Apiture was one of the most effortless projects we’ve worked on. It was very low maintenance from the FI side, which was amazing.

Dustin Kizer Digital services director, Alabama Credit Union
Featured Tech Partners

Featured Technology Partners

At Apiture, we’ve integrated our digital banking platform with more than 200 leading fintech providers to deliver best-in-class solutions, and we continue to seek suppliers with innovative products or services that will drive value for community banks and credit unions.

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Business Banking Resources

Ready to See How Apiture Can Deliver for You and Your Business Clients?

Get in touch to see how the Apiture Digital Banking Platform can fuel your institution’s growth.

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