MeridianLink Access
Take control of your digital application experience
About MeridianLink Access
MeridianLink Access is a digital application front end for banks and credit unions that lets consumers open deposit accounts and apply for one or more loans in a single session. It replaces the older MeridianLink Portal and connects behind the scenes to MeridianLink Consumer for loan origination and MeridianLink Opening for deposit account opening. Institutions configure workflows, fields, branding, and language themselves, and use abandonment reporting and post-submission cross-sell logic to convert more applicants.
Pros & Cons
Pros
- One front end for both deposit account opening and multi-product loan applications
- Institutions configure workflows, fields, and branding themselves instead of waiting on vendor change requests
- Abandonment reporting and in-app cross-sell target conversion, not just form collection
- Prefill, document upload, e-signature, and identity verification happen inside the session
- Tight fit with the rest of the MeridianLink One platform, which many US community banks and credit unions already run
Cons
- No public pricing; you need a sales conversation and demo to get a quote
- Gets most of its value when paired with MeridianLink Consumer and Opening, which raises lock-in
- Almost no independent user reviews of Access itself yet
- Reviewers of related MeridianLink products report that implementation goes easier with a dedicated internal technical team
Key Features
Combined account opening and loan applications
Consumers can open a deposit account and apply for multiple loan products in one session instead of separate forms.
Configurable workflows and fields
Build custom application flows with configurable fields and multiple application experiences per product or entry channel, without vendor change requests.
Built-in branding and language editor
Manage branding, layout, and application copy from an editor to stay on-brand and respond quickly to regulatory changes.
Prefill, document upload, and save-and-resume
Touchless workflows let applicants prefill data, upload documents, and come back later to finish.
In-session e-signature and identity verification
Capture e-signatures and verify identities during the application instead of after submission.
Post-submission cross-sell
Intelligent post-submission logic presents pre-approvals and additional products inside the application.
Abandoned application recovery
Reporting flags incomplete applications so staff can re-engage applicants and fix drop-off points.
Automated funding and disbursement
Funds new accounts and disburses approved loans through automated processes.
Core and online banking integrations
Integrates with online banking, core systems, MeridianLink Consumer and Opening, and hundreds of third-party marketplace partners.
Pricing
- Priced per institution after a demo
- Cloud-hosted SaaS deployment
- Connects to MeridianLink Consumer and Opening
- Implementation and support from MeridianLink
Best For
Digital deposit account opening
Credit unions and community banks give new members a mobile-friendly account opening flow; MeridianLink cites a customer case study with a 17% increase in deposit account applications.
Consumer loan applications
Lenders accept auto, personal, and card applications with prefill and faster decisions that speed up funding.
Cross-selling at the point of application
Institutions present pre-approvals and related products after submission to deepen new relationships.
Reducing application abandonment
Teams use incomplete-application reports to follow up with applicants and redesign steps where people drop off.
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