Case study · 2026

Riverstone Credit Union Core Teller System

A nine-branch Midwest credit union moved off legacy green-screen tellering onto a modern web platform.

Financial ServicesCustom SoftwareDigital Strategy

Impact

What changed.

01

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.

02

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.

03

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.

Bank teller assisting customer at modern branch counter

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.

Riverstone Credit Union Core Teller System solution

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.

Step 01

Member Lookup → Compliance Check → Identity Verification → Service Selection

Step 02

Deposit → Validation → Compliance Hold (if flagged) → Core Posting → Receipt

Step 03

Withdrawal → Funds Availability → Photo ID Capture → Supervisor Override (if needed)

Step 04

Cash Order → Vault Reconciliation → Branch Cash Position Report

Step 05

Member Profile Update → Document Upload → Compliance Re-screen

Step 06

Loan Payment → Allocation Engine → Late Fee Logic → Core Posting

Step 07

Exception Routing → Supervisor Queue → In-App Approval → Audit Log Entry

Step 08

End-of-day balancing assistant comparing teller drawer to system position

Step 09

Cross-branch service identical workflow regardless of home branch

Step 10

Audit log streamed to read replica for compliance team self-service

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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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