Why Leading Financial Institutions Choose Bankjoy Consumer Banking
The perfect balance of cutting-edge technology and community-focused banking, all in one integrated platform
.avif)
Your members get in fast with biometrics and MFA, while bad actors get stopped cold. Face ID, touch ID, and intelligent risk assessment work together seamlessly.
- Biometric login (Face ID, Touch ID)
- Risk-based multi-factor authentication
- Device fingerprinting and recognition
Industry-leading optical recognition and machine learning verify new accounts in seconds, not days. Real people get approved instantly; synthetic identities get blocked.
- Real-time document verification
- Liveness detection technology
- Automatic sanctions list screening
Third-party security experts constantly probe our defenses. Every vulnerability gets patched before it becomes a problem. Think of it as having ethical hackers on your security team without the added payroll.
Cloud-native architecture that's more secure than any on-premise solution. Cloudflare DDoS protection, encrypted data at rest and in transit, plus the ability to scale as you grow.
- End-to-end encryption everywhere
- Field-level encryption for sensitive data
- SOC2 compliance
.avif)
Battle-Tested Infrastructure
White-hat hackers try to break us. They can't. Your members can bank with confidence.

Turn Digital Banking Into Your Competitive Advantage
Complete digital banking solutions that help community financial institutions attract accounts, increase engagement, and grow deposits.
.avif)
SOC 2 Type II Compliance
SOC 2 Type II is a rigorous security audit that evaluates our internal controls and processes over an extended period.
This certification demonstrates that Bankjoy maintains the highest standards for security, availability, processing integrity, confidentiality, and privacy of client data.
For our clients, this means you can trust that your sensitive financial information is protected by enterprise-grade security measures that are continuously monitored and independently verified.

PCI DSS Compliance
Payment Card Industry Data Security Standard (PCI DSS) compliance ensures that Bankjoy meets the strict security requirements for handling, processing, and storing credit card information.
This certification is mandatory for any organization that processes payment card transactions and involves regular security assessments, network monitoring, and data protection protocols.
For Bankjoy clients, PCI DSS compliance means your customers' payment data is secured according to the same standards used by major financial institutions, reducing fraud risk and ensuring regulatory compliance.
Advanced Fraud Prevention
Multi-layered security and identity verification confirm the application is real and valid. Background verification includes social security number, ID number, and comprehensive risk checks combined with criminal watchlist checks and optional credit verification ensures only legitimate applicants complete the process.
Proven Results
Our integrated security protection delivers measurable results for financial institutions
99.99%
Uptime Guarantee
SOC 2
Compliance Verified
24/7
Threat Monitoring
.avif)
An Integrated, Native Security Solution
As part of Bankjoy’s suite of digital banking technology offerings, our products are all secured using industry leading frameworks tht work together as part of your Bankjoy digital banking platform.
Since 2015, we’ve helped credit unions and community banks on their mission to bring financial health to their communities via technology that enhances people’s everyday lives.

85+
1M+
120+
4.8
Frequently Asked Questions
With pre-built integrations for most major core platforms, getting started with Bankjoy is quick and easy! Basic implementations can take as little as 6 weeks.
It is important to be prepared and communicate the steps of the transition to your accountholders clearly and consistently. We have lots of great tips for how to do this in our How to Avoid Digital Banking Migration Disasters blog post.
Products like our online account opening and online loan application software take the friction out of the application process, significantly improving conversion rates. JoyCompass provides insights into what matters to your accountholders, giving you better cross selling opportunities. Our Vertical Banking solution helps you expand your reach into new niche markets to broaden your audience and grow your institution.
Check out our product pages for more information about each product, come see us at one of our upcoming events, or schedule a demo