Here Are A Few Of The Partners Who Love Us

  • mastercard
  • visa
  • usbank
  • gto logo alpha
  • varo
  • seed
  • chime
  • cbsk
  • sunrise

Keep Your Core, Use Us To Drive Your Innovation

Innovation, particularly on the digital front, is never a one-and-done project. To stay both relevant and deliver meaningful solutions to your members and customers, you need a partner that keeps you on the bleeding edge of innovation today - and even beyond 2035.

Peering through the lens of future tech innovation, our X35 platform is built to still give you that ‘X-Factor’ in 2035. It represents the marriage of innovation, simplicity & foresight. X35 allows you to keep your core for all things boring - while giving you the ability to leverage our API-driven framework and exceptional UI/UX solutions to enhance your end-user experience.

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“Only smart, digital-based innovation will set you apart from the rest!” -Mark Kilpatrick, CPO

In Case You Hadn’t Noticed: We’ve grabbed the industry by the horns

  • 650 + Financial Institutions Served
  • $3 billion + In Annualized Processing Volume
  • 100 + Employees Across Five Offices

Working With Us Is As Easy As 1, 2 or 3

  • 1 Pre-Configured Rapidly deploy a fully branded white-label solution.
  • 2 We Build Dream up your own experience and we’ll build it from scratch.
  • 3 You Build Enhance your new or existing experience with our APIs.

1 Pre-Configured Solutions

  • Digital Advantage™ Digital Banking Apps

    Our fully-hosted, award-winning solution seamlessly integrates into your existing banking functionality - with no disruption to your core!

    Learn More
  • AGILITY RDC™ Remote Deposit Capture

    Anytime, anywhere deposits that include back office support, advanced fraud detection, and risk mitigation tools.

    Learn More
  • Community Access™ Agent Bank Programs

    Be top of mind and top of wallet with a branded card and linked digital banking app.

    Learn More
  • Mobile Advantage™ Mobile Card Integration

    Build loyalty and subscriber engagement with a branded card and a feature-rich integrated mobile app.

    Learn More

2 We Build

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OPEN CANVAS Built from scratch

Work with us to build a unique set of digital banking features and functionality. You’ll get the benefits of a custom solution, while we do all the heavy lifting.

It’s okay - we've been working out.


3 You Build

x35 Marketplace Stay in control

Seamlessly integrate our APIs into your existing solutions or build a new solution from the ground up for full control of your customer experience.

  • Remote Deposit Capture
  • Treasury Services
  • Payment Processing
  • Digital Payments
  • Financial Management
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+ Like What You’ve Seen So Far? Great! Not only are we driving innovation, we’re also improving your cost efficiency with our ZERO COST processing service*

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payment processing This one’s on us

Urban FT recognizes the unnecessary burden that traditional payment processors place on your margin – often at the expense of your own members and customers. With technology being as efficient as it is these days, we’re throwing out the rule book and equipping you with next-generation payment processing services at a ZERO COST.

This is available with any of our 1, 2 or 3, solutions - and gives you superior fraud detection, security, decision-making capabilities, compliance tools, and settlement processes all as part of your access to our secure cloud-focused infrastructure.

*Terms & Conditions Apply