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PaCUSC Products - CO-OP Mobile Banking

Your credit union has two mobile banking options available to your credit union - Sprig by CO-OP and CO-OP Mobile.  No matter what your members’ mobile phone references or needs, you can quickly and easily offer them the latest technology and real-time access to their accounts – with no to minimal infrastructure investment on your part.  Both of these options uses the same connection your credit union uses for shared branching so no additional connection or costs from your data processor.

Sprig by CO-OP

Sprig by CO-OP is a unique virtual credit union that enables members to conveniently access all of their accounts, including accounts at different participating credit unions.  Members enroll their accounts and can conduct various transactions on them, depending on the type of access they use.  Online, mobile applications (iPhone and Android), and text are available access options.

Features by Access Options:

Features Online Mobile App Text
CU Account Aggregation X X X
Enroll and Add Accounts X X  
Balance Inquiry X X X
Transaction History X X X
Transfer Between Accounts At same or different CU At same or different CU  
P2P Payments (In Network) X X  
Recurring Transfer Setup X X  
Savings Goal (and related transfers) X    
Deposit Checks   X  


What’s In It for Your Credit Union:
  • Affordable way to stay competitive with big name institutions
  • Great back-up system should your mobile app or website experience down time
  • Same high-quality experience for all members, regardless of their credit union
  • No upfront costs, monthly costs or user fees; only a per-transaction interchange fee
  • Free marketing materials to introduce Sprig to your members
  • Promotes the collaborative spirit of the credit union movement
  • Extremely intuitive and easy-to-use
  • CO-OP provides email, telephone, and in-app support

Sprig by CO-OP is offered to all credit unions on shared branching with no set up or implementation fee.  


CO-OP Mobile

Your members’ needs for mobile banking vary, as do credit union host systems and infrastructure. That’s why CO-OP Mobile provides the ultimate flexibility in the form of multi-mode platform options.

CO-OP Mobile offers greater flexibility and reach through three access modes:

  • Text banking, which allows virtually anyone with a mobile phone to use
  • Mobile Web browser for richer functionality
  • Downloadable application for smartphones, including the iPhone and Android

Credit unions can offer one, two, or all three modes as part of their mobile banking service.

A Cost Effective Solution
With CO-OP Mobile, start-up expenses are minimal. Because it serves credit unions already established on the shared branching platform, no changes to your host or online banking system are required. Plus, the text banking vanity code is purchased for you by CO-OP.

Fast Implementation
CO-OP Mobile can be up and running within 60-90 days with minimal investment on your part. CO-OP Mobile is integrated into the Next Generation Network (NGN) platform.

Branding and relevance
When selecting a financial institution, a growing number of consumers consider mobile banking a requirement. CO-OP Mobile’s downloadable and browser app modes support your own credit union branding.

Members can perform the following functions from their cellular device:

  • View account balances
  • View recent activity on a specific account, up to 30 days of history or as supported
  • View details of a specific transaction
  • Search for a transaction by date posted or amount
  • Transfer funds between accounts
  • Make payment transfers (share to loan account)
  • Find nearest CO-OP Network ATM or Shared Branch locations

A help system is available for assistance with any function.

For more information on these products, contact  or 1-800-982-0661.


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