Platform - Eko

Overview

One API. No six-month integration projects.

Most community banks and credit unions face the same three choices when a member asks about investing: skip the conversation entirely, refer the member to a third-party advisor and lose the relationship, or spend 18 months and $500K building something in-house. None of those is a real answer.

Eko is the fourth option. A single API integration that connects to your existing core banking system and delivers a fully white-labeled investment experience to your members—without adding broker-dealer licensing, custody infrastructure, or a compliance team to your own regulatory profile. We handle all of it. You offer investing under your brand, in your digital banking interface, with your member data already pre-populated at onboarding.

Eko connects to FIS Digital One, Fiserv Portico/DNA, and Jack Henry SilverLake/Symitar. Our compliance layer handles SEC registration, FINRA Rule 4512 disclosures, and suitability screening — so your institution doesn't need to add broker-dealer or RIA licensing to its own regulatory profile.

Platform Capabilities

Everything your institution needs to offer investing. Nothing you’d have to build yourself.

White-Label Investment Portal

Fractional investing under your institution's brand — members never leave your digital banking experience.

Eko’s white-label portal renders entirely within your institution’s existing online and mobile banking interfaces. Members see your colors, your logo, and your navigation throughout the investing experience. Account creation is pre-filled from your KYC data, reducing signup friction to under 3 minutes for existing members. The portal supports individual stocks, ETFs, and themed collections you configure—Clean Energy, Dividend Income, and others. All trade confirmations, 1099-DIV/B tax documents, and account statements arrive under your institution’s sender identity. Members stay in your ecosystem, not someone else’s.

Fractional Share Execution

Members invest from $1 in any listed stock or ETF — no minimum account balance required.

Eko’s order routing engine aggregates fractional share orders across member institutions on the platform, batching them for execution through Apex Clearing’s fractional share program. Members specify a dollar amount—$5 in Apple, $20 in an S&P 500 ETF—and Eko calculates and records the fractional allocation in real time. No minimum account balance. For institutions with money market sweep accounts, Eko’s API can automatically move funds between the sweep and brokerage account on trade settlement, keeping idle cash working without requiring a manual transfer from the member.

Suitability and Compliance Engine

Automated FINRA-compliant suitability screening built into the onboarding and trading workflow.

Eko’s compliance layer runs a configurable suitability questionnaire during member onboarding and flags any product recommendation outside the member’s risk profile. Every suitability determination is logged with a timestamp, stored in your audit trail, and generates the required FINRA Rule 4512 disclosures at point of account opening. Your compliance team gets a dashboard showing flagged accounts, signed suitability waivers, and audit trail exports for examination cycles. Eko’s registered broker-dealer and RIA subsidiaries carry the necessary licenses. Your institution doesn’t add licensing obligations to its own regulatory profile.

Core Banking Sweep Integration

Automatic cash sweep between checking and investment accounts — no manual transfers for members.

For institutions that configure the sweep integration, members set a target cash balance in checking and any surplus sweeps automatically into their investment portfolio on the nightly settlement cycle. When a member places a trade above their investment account cash balance, the difference is pulled from checking in real time before trade submission. Eko’s core banking adapters handle the integration with FIS, Fiserv, and Jack Henry at the transaction-posting level. The sweep appears as a standard internal transfer in your general ledger—no custom core modification, no new GL entries to explain to your auditors.

Member Retention Analytics Dashboard

Institution-level analytics on investment adoption, deposit retention, and member lifetime value.

Eko’s analytics dashboard gives your management and compliance teams aggregated metrics: investment product adoption rate by member age cohort, deposit retention delta for members with investment accounts versus non-investing members, and projected annual revenue share from Eko’s transaction fee model. Product teams can see which investment themes are most popular among their membership to sharpen marketing communications. All data is anonymized at the individual member level—the dashboard is for institutional decision-making, not individual surveillance. No GLBA complications, no member-level exposure.

Investments-as-a-Service