Dupaco boosts digital onboarding with MANTL platform

Dupaco Community Credit Union has deployed MANTL for retail and business account opening, a move that led to a 300% increase in new retail member accounts opened online, according to Alkami.

The Iowa-based credit union said the system helped attract more than USD 138 million in deposits while reducing manual work associated with account opening. It also saved more than 4,194 staff hours previously spent on in-branch processes.

The results came as Dupaco sought to create a single account-opening process across branch, online and field channels. It used MANTL as a single entry point for deposits across retail and business accounts.

Before the change, onboarding relied on seven separate screens and three disconnected systems. The new setup consolidated those steps into a single platform that supports business and speciality accounts, IRAs and safe deposit boxes.

Dupaco said it had more than doubled its annual growth goal for 2025 by the end of the third quarter. It added that a leading fintech was a major source of new deposits, underscoring the competitive pressure credit unions face from digital banks and technology-led financial groups.

The credit union is headquartered in Dubuque, Iowa, and serves residents across 118 counties in Iowa, northwest Illinois and southwest Wisconsin. It has more than 179,000 members, assets of more than USD $3.6 billion, more than 600 employees and 22 branches.

The shift in account opening reflects a broader push by regional financial institutions to simplify onboarding as more customers expect to start and complete applications digitally. Credit unions have faced pressure to offer faster, more consistent experiences across channels while preserving branch-based service.

Tami Brandenburg, Vice President, Member Service, at Dupaco, linked the decision to changing customer behaviour.

"Our world is changing at a rapid pace, and member expectations have shifted," Brandenburg said.

"To attract younger members and stay relevant, we have to meet people where they are, and they're embracing digital banking experiences and convenience," she said.

Internally, the new process changed the role of branch staff by reducing manual administration and allowing more time for direct member support. That is significant for institutions trying to balance cost control with relationship-led banking models.

MANTL is part of Alkami, which sells digital banking and onboarding software to banks and credit unions in the US. The Dupaco deployment covered both retail and business onboarding, giving staff and members the same core process regardless of where an application begins.

Dan Milgrom, Vice President and Chief Customer Officer, Solutions Group at Alkami, described the effect on branch operations.

"Dupaco is redefining what the branch experience can be, turning it into a fast, fully digital and deeply consultative environment. By eliminating complexity and digitizing critical workflows, they've unlocked extraordinary efficiency while delivering the modern, member-first experience today's consumers expect," Milgrom said.

Brandenburg said the operational gains extended across the organisation.

"This partnership has fueled growth across every channel and delivered institution-wide operational efficiency, empowering our teams to focus more on serving members and less on managing expensive manual processes," she said.