Growing deposits online means more than turning on a new channel it means facing a new layer of risk, oversight, and operational responsibility.

As part of the What it Really Takes to Grow Deposits Online, let's talk about Compliance, because it isn’t a Phase, it’s a Foundation.

Too often, compliance is treated as a bolt-on after the launch. But by then, you’re already fighting uphill:

• Customers are being denied with no clear reason
• Audit logs are missing or inconsistent
• Regulators are asking questions you can’t easily answer
• Fraud controls are reactive instead of preventative

If you want to launch digital deposits and sleep at night, you need to build with compliance at the core.

Here’s where we see banks struggle most:

External Account Verification

Can you verify and fund with speed and security? Plaid and microdeposits are table stakes but how you layer in risk controls makes or breaks the process.

Detailed Logging

Every account opened, every risk flag triggered, every user deniedit all needs to be logged, timestamped, and reviewable. Clean data = faster audits.

Handling Denials

If someone gets rejected, can you explain why? Can your team review and override edge cases when needed? A lack of transparency here can create both customer friction and regulatory risk.

Audit Trails That Make Sense

Make sure your compliance team isn’t pulling data from six tools and stitching it together manually. Build auditability into your workflow from day one.

The Takeaway?

You don’t need to over-engineer your compliance stack, but you do need to be intentional. At Linker Finance, we help banks build smarter, audit-ready onboarding experiences because the best digital deposit flows are designed in partnership with compliance from the start, not treated as a separate track.

How are you thinking about compliance in your digital growth strategy? If you’ve faced challenges here, let's have a conversation about it. https://go.linkerfinance.com/grow-deposits-with-linker-finance

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