Chartway Credit Union Turns Digital Agility into a Growth Advantage

By building a connected digital ecosystem inside the Q2 Digital Banking Platform, Chartway used Q2 Innovation Studio to tackle fraud, drive deposit and loan growth, and deliver a seamless member experience, without adding headcount.

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10% Online banking transaction growth, with 6% organic deposit growth and almost 8% organic loan growth
30%
Reduction in false-positive transaction declines YOY
40% Decrease in manual fraud review volume

"Q2, and especially Q2 Innovation Studio, gives us solutions that are a low lift for our internal teams but high impact for our members and for our business."

Rob Keatts, EVP and Chief Growth Officer, Chartway Credit Union

About Chartway Credit Union

Headquarters: Virginia Beach, Virginia
Assets Under Management: $3.2 billion
Solutions: Q2 Digital Banking Platform, Q2 Innovation Studio

Challenge

Chartway needed to scale capability without scaling headcount.

As member expectations rose — driven by national institutions and fintechs offering modern, seamless mobile experiences — fraud activity was also accelerating across digital and branch channels. Chartway lacked the resources to build custom solutions internally or staff large fraud review teams. It needed to strengthen security, grow deposits and loans, and improve digital engagement without expanding its technical footprint.

Solution

Q2 Innovation Studio helped Chartway build a connected digital ecosystem, not a collection of point solutions.

Rather than pursuing one-off fixes, Chartway used Q2 Innovation Studio to integrate solutions directly inside the Q2 Digital Banking Platform, each targeting a specific business priority: fraud mitigation, deposit growth, member engagement, and small business enablement. Because Innovation Studio offers pre-integrated fintech solutions, Chartway reduced implementation timelines from six to nine months down to one to two months, giving the team the speed to respond to fraud spikes, launch growth campaigns, and introduce new capabilities without overwhelming internal resources.