United State Bank has collaborated with end-to-end digital banking solutions provider Bankjoy to provide its account holders with a better and enhanced online and mobile banking experience.

Based in Lewistown, Missouri, United State Bank caters to the financial requirements of retail customers and commercial businesses throughout the communities of Northeast Missouri.

Through the partnership with Bankjoy, United State Bank aims to provide its clients with a more modern, intuitive digital banking experience.

The bank has developed features that are said to be effortlessly integrated across multiple channels.

Customers of United State Bank will have access to Bankjoy’s end-to-end digital banking platform, including a range of mobile and online banking features, integrated loan applications along with other cutting-edge functionalities.

Besides, the bank will use Bankjoy’s online account opening (OAO) tool to allow it to rapidly and easily onboard new clients while promoting deposit growth.

United State Bank president Chuck Gnuse said: “United State Bank is thrilled to partner with Bankjoy to enhance our digital banking offerings and provide a more modern digital experience for our valued customers.

“With Bankjoy’s thoughtfully designed online and mobile banking features, we can continue to provide the exceptional service our bank is known for and keep engaging with our communities, even outside of our branch hours.”

As part of the collaboration, Bankjoy’s platform will directly integrate with United State Bank’s core banking system, SHAZAM’s Cardinal Core.

United State Bank expects to go live with Bankjoy’s new digital banking platform and OAO product in Q4 2023.

Bankjoy CEO Michael Duncan said: “According to BAI Banking Strategies, consumers across generations would be willing to switch financial institutions for a better online and mobile banking experience, and many are willing to make this switch via digital channels.

“When opening a deposit account at a bank, 30% of Gen Z consumers opt for mobile and nearly one-in-four millennial and Gen X consumers would use a mobile device. United State Bank is getting ahead of the curve and addressing the digital needs of its customer base.”

Last month, Bankjoy and account holder engagement technology firm Larky extended their collaboration to deliver the benefits of the nudge platform to all the clients of the former.