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Done right.

This is the onboarding solution the financial services industry has been waiting for.
In-branch, online, compliant, sustainable, accurate and incredibly easy to use.

The little engine that does it all.

Being really (really) good at onboarding is essential for financial institutions that want to drive profitable growth and foster lifetime customer relationships. Easier said than done, however. This is largely because onboarding platforms fail to address core regulatory and banking challenges, not to mention the ‘do it now’ expectation from consumers.

Until now, that is. cumulus - our comprehensive onboarding platform - does it all. It’s a powerful little engine that makes the hard stuff easy. Whether someone is with you in-branch or onboarding from a remote locale, they just answer a few simple questions and cumulus does the rest. In no time*, required data is captured, identity is authenticated, the account is funded and opened. Their answers open the door to natural cross-sell and the potential for a lifetime relationship. Untapped opportunity is transformed into possibility. Just like that.

*In-branch account opening with cumulus takes only 20 minutes. Online account opening with cumulus takes less than 5 minutes.

  • fun, user-friendly and differentiating customer experience
  • exceeds FINTRAC, AML and fraud prevention guidelines
  • reduces errors, omissions and regulatory risk
  • offers core banking integration and real-time funding
  • captures valuable data for natural cross-sell
  • mobile-first navigation that uses touch technology
  • interactive dashboard to track results in real-time

Onboard from anywhere. That's right. Anywhere.

Variety is the spice of life when it comes to customer onboarding. Some people want to start (or expand) their relationship with you in person. Others want to do it from home. Or during their lunch break. They may want to open a new account while sipping a cup of Joe or take advantage of your great rate while soaking up the rays on the beach. We’ve designed cumulus to meet the onboarding style of every customer type. Its mobile-first technology is also adaptable to every screen size, which means people can onboard from any device, whether it's a mobile phone, tablet or desktop.

cumulus is getting amazing results.

From large credit unions to niche virtual FIs and expansive national online banks, cumulus is getting huge results, helping to drive growth and profitability across the nation. It does this by making it incredibly easy for people to open accounts, whether it’s in-branch or online from anywhere.

Saskatchewan CU

More than $100K in annual savings
National Innovation award winner

National online bank

Dozens of new customers onboard every day
An average of $2M per day in deposits

Manitoba CU

Almost 2000 new customers gained in one year
More than $30M in new deposits

cumulus is gaining national traction.

cumulus is working across the country, helping FIs of all sizes to achieve their growth and profitability goals. More and more FIs are choosing cumulus because it’s the most complete, accurate, sustainable and compliant solution in the market today. It's incredibly easy for both staff and customers to use and it strengthens their brand by delivering an amazing user experience both in-branch and online.

What customers want when they onboard.

Offering simple, high-touch onboarding is one of the most important ways for FIs to get in the rapidly changing customer expectations game before fringe competition hits the playing field in a serious way. Fabulous onboarding that satisfies consumers expectations can have a quantifiable and very positive impact on customer attitudes, behaviours, and results. This is the kind of experience that cumulus offers.

66% will spend 13% more with a company that provides excellent customer service.

89% began doing business with a competitor following a poor experience.

Reducing onboarding abandonment rates by just 5% can increase your profits up to 95%.

70% of consumers would prefer to open an account in digital channels.


What's next for our platform?


With mobile and online technology moving at the speed of sound, the onboarding process is bound to be transformed by yet unknown innovation. There will be new technologies to integrate, the world will become increasingly social and there will be additional regulations to overcome. Evolution of this kind is exciting. And necessary. It challenges us to anticipate, prepare and position ourselves for what's next for the financial services industry and for our company. For innovators like us, it's pretty much what we live for.

To stay connected with 'What's next' for thirdstream, our products and our team, check out our blog or sign up to receive our newsletter

Let's start
with coffee.

Great things can begin with conversation and coffee. We'd love to share both with you. Fill out this form to connect with us. We'll get back to you right away and send you some freshly roasted StreamBeans to thank you.