Eltropy

Clutch (WITHCLUTCH, INC), a Credit Union Service Organization (CUSO), is a digital account opening and loan origination portal for credit unions. The platform removes friction from the application process, automates fraud detection and enables consumers to fund accounts via ACH / Debit / Credit Card. Moreover, the platform presents pre-qualified loan offers, cross-sells recapture opportunities if applicants have high-interest debt elsewhere and drives efficiency gains throughout the loan underwriting and funding process. Clutch is focused on serving credit unions and partners with north of 120 institutions: from credit unions with 5,000 members and $50M in assets all the way to multiple of the nation's largest institutions.

Serve Members like a FinTech

  • • Deposit Account Opening
  • • ID Verification & Fraud Detection
  • • Frictionless Application Experience
  • • 1-click Pre-Approval Redemption Experience
  • • Cross-Sale and Up-Sale of Deposit, Loan and Ancillary Products
  • • HAL AI assistant designed to streamline loan applications

How WithClutch Helps Credit Unions

  • Grow Deposits Like a FinTech
    • • Digital end to end deposit account opening.
    • • Premium fraud detection and ID verification.
    • • Auto-funding via Plaid, Payroll deducation or Debit/Credit card.
  • Grow Loan Volume Like a FinTech
    • • Enable members to borrow anywhere, any time.
    • • Applications sign loan docs in-session, 24/7.
    • • Personlized experiences, highly converting flows and fully automated engagement.
  • Create Efficiency Gains Like a FinTech
    • • Originate deposits and loans in minutes, cross-sell in seconds.
    • • Up-sell ancillary products to generate non-interest income.
    • • Automate workflows, new accounts and loans without human interaction.

For more information about how LEVERAGE can assist your credit union with Clutch, email consult@myleverage.com or call 855-9EXPERT (855-939-7378).

FAQs

Clutch's goal is to turn Credit Unions into FinTech and help them remain their Members' first choice. Clutch's product helps Credit Unions to deepen their relationships the moment they onboard a new Member or serve an existing Member. Therefore, every Credit Union would benefit from a conversation with Clutch, if only to compare notes around best practices and what other Credit Unions are doing.

Clutch offers two products, a loan portal that sits ontop of your LOS and a Digital Account Opening solution. Both products fundamentally reduce friction and create a seamless experience to your applicants. Success manifests itself in multiple ways including higher conversion / pull-thru of applicants, up to 30% more loan volume and more than 40% more deposit volume. Overall, significantly more engaged Members who have more products with the Credit Union.

Clutch - a CUSO - exclusively serves Credit Unions. Some of the clients include Suncoast, Fairwinds, Launch, Community First CU of Florida, Georgia's Own, Georgia United, Atlanta Postal, Guardian and Redstone amongst others.

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