What regulations apply to banking apps?

Banking apps typically touch Regulation E for electronic transfers, BSA and AML for transaction monitoring, FFIEC guidance for online authentication, and state-level requirements depending on your charter. We map which ones apply before the first wireframe.

Do you build for iOS, Android, or both?

Both. Most banking apps need to be on both stores, and we build native iOS and Android or cross-platform using Flutter or React Native depending on your feature requirements and integration complexity. We recommend the approach after reviewing your core.

How do you handle mobile banking security?

Security covers biometric and multi-factor authentication, encrypted local storage, session management, certificate pinning, and jailbreak and root detection. FFIEC online authentication guidelines inform every decision at the authentication layer.

Can you modernise our existing banking app?

Yes. Modernisation is common in banking, where an app built several years ago needs new features, a design refresh, or a rebuilt integration layer without replacing what already works. We assess what exists first and recommend the minimum necessary change.

Banking App Development Company | Stateside Digitals

Most banking software vendors sell to every institution at once, which means the product reflects compromises between thousands of different requirements. A community bank and a regional credit union serve different members with different expectations, and the app their customers open every morning should reflect that rather than a vendor’s lowest common denominator.

The other pressure is competitive. Digital-only banks have set a baseline for mobile experience that customers now carry into every institution they use. Meeting that baseline while keeping a core banking system running underneath it is the specific challenge traditional institutions face, and it requires building at the interface layer without disrupting what runs the ledger.

01

Mobile Banking and Self-Service

Account balances, transaction history, transfers, bill pay, and card controls available any time, built around how your customers already use their phone.

02

Core Banking System Integration

Connecting a modern mobile experience to your existing core, whether that is Fiserv, Jack Henry, FIS, or a proprietary system, without replacing infrastructure that already runs reliably.

03

Digital Account Opening and Onboarding

New accounts opened from a phone in minutes, with identity verification, funding, and compliance checks handled inside the same flow.

Mobile check deposit and transfers
Bill pay and external account linking
Real-time transaction alerts and card freeze
Personal finance tools and spending insights
In-app secure messaging with support

Multi-user business accounts with permissions
ACH and wire initiation with dual approval
Cash management and liquidity dashboards
Payroll and vendor payment workflows
Account statements and export for accounting

Customer account lookup and service tools
Digital signature and document collection
Loan application status and pipeline view
Compliance alert and exception queue
Audit trail and activity reporting

The core banking system is not going anywhere, and it should not have to. It holds the ledger, runs overnight processing, and underpins every transaction your institution settles. The job of a modern banking app is to give customers and staff a better experience at the front end without touching the system that makes everything reconcile at the end of every day.

We build integration layers that connect your app to the core through secure APIs, middleware, or vendor-provided SDKs, depending on what your system exposes. Fiserv, Jack Henry, FIS, and Temenos all have different integration surfaces, and we work within the one you have rather than asking you to change it. Regulatory reporting stays clean because the source of truth never changes.

01Discovery

We map your core banking system, your regulatory obligations, and your customers’ actual friction points before touching a wireframe.

02Design

We prototype the retail and business banking experience, testing with real users before any development budget is committed to it.

03Development

We build in sprints with check-ins at every stage, so your compliance and IT teams can review progress without waiting for a delivery.

04Testing

Every build goes through security testing and integration validation against your core before any version reaches the app stores.

We build apps for the full range of US financial institutions, from single-branch community banks to multi-state credit unions and regional institutions: community banks, credit unions, regional banks, savings and loan associations, mortgage lenders, auto finance lenders, student lending, private banking and wealth, business and commercial banking, and banking-as-a-service platforms.

01

Core System Integration Without Disruption

02

Regulatory Compliance From The Start

03

Built For Your Members, Not The Market

04

Ongoing Support Through Every Update

We connect your app to the core through secure APIs, middleware, or vendor-provided SDKs, working within what Fiserv, Jack Henry, FIS, or Temenos exposes rather than asking you to change systems.

Regulation E, BSA and AML, FFIEC authentication guidance, and state-level requirements are mapped before the first wireframe, not discovered during review.

Your app is built around how your specific customers and staff actually work, not a vendor’s lowest common denominator across thousands of institutions.

We stay on after launch for core system updates, regulatory changes, and new feature releases as your institution and its requirements evolve.

01

Core System Integration Without Disruption

02

Regulatory Compliance From The Start

03

Built For Your Members, Not The Market

04

Ongoing Support Through Every Update

Yes. We have built integrations with Fiserv, Jack Henry, FIS, and Temenos, as well as with proprietary cores through API middleware. We confirm what your system exposes during discovery rather than assuming, because no two cores surface the same capabilities.

Banking App Development Company

Why Banks Need A Custom App