Opening accounts in minutes, not branches
Digital onboarding for a regional bank — identity, compliance, and first deposit without a single visit.
Meridian Bank serves retail and small-business clients across three regions. Growth was capped by a hard constraint: every new account required a branch visit, a paper file, and an average of four days.
Move the entire account-opening journey online — identity verification, compliance checks, contract signing, first deposit — without weakening a single control the regulator or the bank's own risk team relied on.
We mapped the offline process step by step with the bank's compliance officers before designing anything, so every screen had a named regulatory purpose. What couldn't be removed was redesigned to feel effortless.
The flow runs as a conversation, not a form: one decision per screen, progress always visible, every wait state explained. Document capture, liveness checks, and contract signing were integrated behind one calm interface.
The interface holds to a strict performance budget — the full flow ships less JavaScript than the bank's old marketing page. Every state, including failures, was designed: a rejected document explains exactly what to retake and why.