UCCU Boosts Premium Checking Account Adoption by 500% with Q2

Challenge

Meeting member expectations in a tech-savvy market

Utah Community Credit Union (UCCU) serves more than 285,000 members nationwide, many of whom are students and fintech professionals near Silicon Slopes. These members expect a seamless digital banking experience that rivals top fintech providers.

But one product was underperforming: UCCU’s premium checking account. Despite offering benefits like cellphone protection, roadside assistance, and a nationwide deals network, adoption was stuck at just 8%. The reason? Manual verification. Every account required branch visits or staff intervention.

Solution

Streamlining with Q2 Innovation Studio

Using Q2 Innovation Studio, UCCU’s team custom-built an automated solution that eliminated manual checks and enabled members to upgrade to Elevated Checking with a single click.

The solution integrated five disparate vendors, synced seamlessly with the core, and gave members a simple, self-service enrollment process.

Results

The impact exceeded expectations:

• 500% increase in premium checking adoption

• 15,000 new accounts opened within the first three months

• Processing time reduced from in-branch enrollment to a single click