Riverstone Credit Union Core Teller System
A nine-branch Midwest credit union moved off legacy green-screen tellering onto a modern web platform.
Impact
What changed.
Counter speed
Average teller transaction time dropped from eleven minutes to under three. Member-facing wait queues at peak hours shrank by 64% within the first quarter.
Onboarding compression
New tellers go solo in eight working days instead of six weeks. The training manual went from 142 pages of keystroke sequences to a 38-page workflow guide.
Compliance posture
BSA and OFAC flags now surface at the counter, before the transaction posts. Internal audit reduced sample exception count by 71% in the first full audit cycle.
The challenge
Before
Riverstone Credit Union serves 28,000 members across nine branches in Iowa and Nebraska. Their front-line teller experience still ran on a 1990s AS/400 core through a green-screen terminal emulator, and onboarding new tellers took six weeks because the keystroke patterns were undocumented institutional folklore. Member-facing wait times averaged eleven minutes for a simple deposit, and back-office exception handling required printing screens, marking them up, and walking them to a supervisor.
- Green-screen teller terminals requiring memorized function-key sequences
- New teller onboarding taking six weeks before they could work unsupervised
- Eleven-minute average wait time at branch counters for simple deposits
- Exception handling done by printing screens and walking them to supervisors
- No member-facing photo, signature card, or ID image in the teller view
- Cross-branch coverage blocked because each branch trained on its own quirks
- Compliance flags surfaced only at end-of-day batch — never at the counter
- Audit log scattered across AS/400 spool files no analyst could query
The solution
What we built
We built a modern teller and back-office web application that sits on top of the existing AS/400 core through a thin middleware translation layer — so the cooperative did not have to rip out their general ledger. Every teller action is composed in the new UI, validated against business rules in real time, and submitted to the core as a single posted transaction. The teller now sees the member photo, signature card, last-five-transactions, and any compliance flags in one screen before they even greet the member. Supervisor overrides are routed in-app instead of by paper. Cross-branch coverage works because the workflow is identical at every counter. Reporting and audit run off a separate read replica of the middleware database, giving the compliance team direct query access without ever touching the core. We staged the rollout one branch at a time over fourteen weeks, with a rollback path to green-screen still active at each branch for the first seven days.
Core workflow connections
How the system flows.
- Member LookupCompliance CheckIdentity VerificationService Selection
- DepositValidationCompliance Hold (if flagged)Core PostingReceipt
- WithdrawalFunds AvailabilityPhoto ID CaptureSupervisor Override (if needed)
- Cash OrderVault ReconciliationBranch Cash Position Report
- Member Profile UpdateDocument UploadCompliance Re-screen
- Loan PaymentAllocation EngineLate Fee LogicCore Posting
- Exception RoutingSupervisor QueueIn-App ApprovalAudit Log Entry
- End-of-day balancing assistant comparing teller drawer to system position
- Cross-branch service identical workflow regardless of home branch
- Audit log streamed to read replica for compliance team self-service
Process
How we built it.
Member Lookup → Compliance Check → Identity Verification → Service Selection
Deposit → Validation → Compliance Hold (if flagged) → Core Posting → Receipt
Withdrawal → Funds Availability → Photo ID Capture → Supervisor Override (if needed)
Cash Order → Vault Reconciliation → Branch Cash Position Report
Member Profile Update → Document Upload → Compliance Re-screen
Loan Payment → Allocation Engine → Late Fee Logic → Core Posting
Exception Routing → Supervisor Queue → In-App Approval → Audit Log Entry
End-of-day balancing assistant comparing teller drawer to system position
Cross-branch service identical workflow regardless of home branch
Audit log streamed to read replica for compliance team self-service
Start a project
Running a community bank on a green-screen core?
We modernize the experience layer without forcing you to migrate the underlying core — preserving your GL while transforming the front line.
No retainer lock-in · Month-to-month · Full transparency
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