Use Case — Community Banks
Investment infrastructure for community banks
Help your commercial and retail customers grow wealth — without building the rails yourself. Eko handles the compliance, the technology, and the product infrastructure.
Pain Points
The three challenges holding community banks back
CRA Investment Credit
Regulators expect community banks to serve their local market. Offering investment products to underserved communities can satisfy CRA investment credit — but only with the right compliance documentation. Eko ships with CRA-specific workflow documentation.
Competition from National Banks
JPMorgan and Wells Fargo offer investment accounts natively in their apps. Community banks without investment products lose deposit relationships to institutions that do — particularly high-balance customers with growing wealth.
Compliance Overhead
FINRA, BSA-AML, KYC/CIP, GLBA — the compliance requirements for investment products are extensive. Most community banks don't have the internal compliance resources to manage an investment product build from scratch.
CRA Alignment
Built for the institutions regulators expect you to be
Eko's fractional share engine enables investment minimums as low as $1 — meeting the CRA's expectation that community banks serve all segments of their local economy, including lower-income households.
The compliance package includes pre-written CRA investment credit documentation, reviewed by our compliance team against current examination guidelines. Your compliance officer doesn't start from scratch — they refine a completed framework.
View Compliance PackageCase Study
From decision to live accounts in 67 days
Midwest Community Bank
$2.1B in assets — launched investment accounts in 67 days
A Midwest community bank had been watching its highest-balance customers move investment assets to Schwab and Fidelity. After evaluating three build-vs-buy options, the bank selected Eko for its integrated compliance package and core banking connectivity. Day-one sandbox access let the engineering team validate integration in two weeks. Compliance review took three weeks with Eko's documentation package — far faster than the six months projected for a build-your-own approach.
67
days from decision to live accounts
1,200
accounts opened in first 90 days
0
new compliance hires required
$2.1B
institution asset base
Ready to offer investment products to your customers?
Schedule a technical walkthrough. Sandbox access available same day.