FLEX Integrations eBook

FLEXBridge 2025 FLEXBridge API Documents FLEX Integrations eBook

This document provides technical insights into the FLEXBridge API, designed to facilitate seamless integration of third-party solutions with the FLEX core system. It is intended for credit union staff, developers, and technology partners leveraging the FLEX platform.

1. Introduction to FLEXBridge API

FLEXBridge is a robust Application Programming Interface (API) that enables secure and compliant access to FLEX core data and business rules for third-party solution providers and credit unions.

1.1 Key Features:

  • Single API Interface: Centralized access point for various integrations.
  • Customized Developer Portal: Provides resources and tools for developers.
  • Secure & Compliant Data Exposure: Ensures data is exposed only in a secure and regulated manner.
  • Speed & Agility: Facilitates rapid deployment of new financial technology (fintech) solutions.
  • Real-time Data Exchange: Operates in real-time for secure passage and updating of data between FLEX core and external sources.
  • Standardized & Well-Documented Format: Easily interpreted for streamlined integration.
  • Web-centered RESTful API: Employs industry-standard best practices for secure and open data exchange.

1.2 Benefits of Open Architecture:

  • Seamless Core Integration: Top feature desired by credit union executives.
  • User-Friendly: Designed for ease of use.
  • Adaptability: Connects your credit union to a wide array of financial service offerings.
  • Reduced Complexity: Minimizes the need for extensive third-party product dependencies, while still supporting them when required.

2. Core Integration Categories & Examples

FLEX provides integrated connections across various categories to ensure your credit union remains competitive. While FLEX often offers in-house solutions, third-party integrations are available as optional enhancements.

2.1 Member Services

These integrations enhance the member experience by providing comprehensive data views and streamlined service delivery.

  • Identity Check:
    • Integrates with: ChexSystems™, Deluxe Detect.
    • Functionality:
      • New account verification.
      • Retrieval of member account qualification reports (including cross-check and OFAC reports).
      • Jumpstarts new account data entry by pre-filling member information.
  • Reward Checking:
    • Integrates with: KASASA.
    • Functionality: Provides incentives for members to maintain deposits.
  • Check Order:
    • Integrates with: Checks for Less, Harland Clarke, Deluxe, Main Street.
    • Functionality: Offers members the convenience of ordering checks.
  • Customer Relationship Management (CRM or MCIF):
    • Integrates with: Marquis, Raddon, Touché Analyzer.
    • Functionality:
      • Enhances sales, service, and productivity.
      • Saves time by linking core data with CRM.
  • Overdraft Privilege:
    • Integrates with: JMFA, SmartStep Solutions, Velocity Solutions, Pinnacle Financial Strategies.
    • Functionality: Core-driven, automated, and self-managed overdraft privilege program, including opt-in/out, automated processing, notification, and collections.
  • Check Image:
    • Integrates with: Alloya Corporate Federal Credit Union, APEX Payment Solutions, Alogent, Catalyst Corporate Federal Credit Union.
    • Functionality: Direct and secure integration of online banking with check images maintained by the draft processor, allowing members to retrieve images by clicking on history items.
  • eSignatures:
    • Integrates with: DocuSign, EDOC Innovations.
    • Functionality:
      • REST API integration for sending any FLEX form for electronic signature and viewing.
      • Automatic import of electronically signed documents into the FLEX core document management system.
  • Call Center:
    • Integrates with: AnyHour Solutions.
    • Functionality: Grants call center access to crucial member data for improved service.
  • New Accounts:
    • Integrates with: CUOL, MeridianLink, LIRIF.
    • Functionality: Automates and simplifies account opening by bringing necessary member data into FLEX and posting it automatically.

2.2 Digital Banking

These integrations expand the feature set of your digital offerings, enhancing member engagement and loyalty.

  • Bill Pay:
    • Integrates with: Financial Co-op Services, Fiserv, iPay Technologies, Payveris, PSCU, CheckFree.
  • Remote Deposit Capture (RDC):
    • Integrates with: Financial Co-op Services, Fiserv, PSCU.
  • Personal Finance Management (PFM):
    • Integrates with: Quicken, MX.

2.3 Lending

These integrations streamline lending processes, improving efficiency and reducing transaction costs.

  • Credit Bureau:
    • Integrates with: Experian, TransUnion, Equifax.
  • Loan Decisioning:
    • Integrates with: HART Software, NADA National Automobile Dealers Association.
  • Loan Origination:
    • Integrates with: CUCL, MeridianLink, CRIF Lending Solutions, SWBC, Visible Equity, Calyx Software.
  • Insurance:
    • Integrates with: INTEGRA Software Systems, ROUTE 66 INSURANCE, Allied Solutions, State National.
  • Mortgage Origination:
    • Integrates with: CRIF Lending Solutions, SWBC, Visible Equity, Calyx Software.

2.4 Cards

These integrations provide comprehensive debit and credit card services.

  • Online Debit & ATM Network Cards:
    • Integrates with: Financial Co-op Services, FIS, STAR, Elan, First Data, Fiserv, Jack Henry & Associates, PSCU, Shazam, TransFund, Vantiv, Synergent.
  • Online In-House Credit Cards:
    • Integrates with: Financial Co-op Services, Elan Financial Services, TransFund.
  • Card Maintenance:
    • Integrates with: Financial Co-op Services, Elan Financial Services, FIS, Fiserv, Jack Henry & Associates, TransFund, Vantiv, Synergent.
  • EMV:
    • Integrates with: Financial Co-op Services, Elan, FIS, Fiserv, Jack Henry & Associates, Shazam, STAR, TransFund, Vantiv.
  • Full-Service Credit Cards:
    • Integrates with: Financial Co-op Services, Elan, First Data, FIS, Fiserv, Jack Henry & Associates, PSCU, TransFund, Vantiv.
  • Card Rewards:
    • Integrates with: Augeo, Elan, FIS, Jack Henry, Vantiv, TransFund.
  • Card Activation:
    • Integrates with: Financial Co-op Services, Elan Financial Services, TransFund.
  • Instant Issue:
    • Integrates with: card@once®, HID, Entrust Datacard.

2.5 Operations

These integrations enhance operational efficiency by minimizing manual effort and duplicate entries.

  • Share Draft & ACH:
    • Integrates with: Alloya Corporate Federal Credit Union, Alogent, APEX Payment Solutions, Bank of the West, BankLine, CorporateAmerica Credit Union, Corporate Central Credit Union, EasCorp, First National Bank, Heartland Credit Union Association, ICUL, Illinois Credit Union League, Iowa Credit Union League, IZO Financial, Louisiana Corporate Credit Union, Maine Credit Union League, Millennium Payment Systems, Tricorp Federal Credit Union, United States Federal Reserve System, Volunteer Corporate Credit Union.
  • Cash Machines/Coin Dispensers:
    • Integrates with: DEBOLD, ARCA, Talaris, Glory, DeLaRue.

2.6 Compliance

These integrations provide tools to assist credit unions in maintaining compliance and security within the heavily regulated financial environment.

  • Fraud Prevention:
    • Integrates with: Verafin, Advanced Fraud Solutions, SimpliRisk.
  • Forms:
    • Integrates with: CUNA, Conmar Systems, Oak Tree Business Systems, Illinois Credit Union League.
  • AML (Anti-Money Laundering):
    • Integrates with: Minnesota Life, Verafin.
  • Accounting:
    • Functionality: Provides universal downloads to all major asset liability management (ALM) software.
  • ALM (Asset Liability Management):
    • Integrates with: Alloya Corporate Federal Credit Union, FIMAC Solutions LLC, CUNA, B&A Brick, Fiserv, Financial Management, ProfitStars.
    • Functionality: Helps manage asset, liability, and investment portfolios through the ALM package of your choice, offering easy-to-use wizards and multiple export/what-if scenarios.

3. Contact Information

For further technical inquiries or support regarding FLEXBridge API Integrations, please contact FLEX Credit Union Technology:

  • Phone: 800 262 3539
  • Fax: 801 545 4998
  • Website: www.flexcutech.com
  • Address: 8520 South Sandy Parkway, Sandy, UT 84070