Overview

Glide offers an optional configuration that requires applicants to fund their membership before submitting their application. Applicants can fund their accounts using cards (including Apple Pay/Google Pay) or ACH transfers.

During the funding before submission journey, funding information is only collected, but not charged. Funding is only processed after the membership application is approved, ensuring no premature charges.

The micro-deposit method for verifying bank accounts is disabled during the application process when the funding-before-submission feature is enabled.

Note: Funding requirements can be set selectively for each share type. For example:

• Share Type 1: Funding required before submission

• Share Type 2: No funding required before submission

• Share Type 3: Funding required before submission

You can choose independently for each share type whether funding is required.

In-Branch and Personal URLs

When members use an in-branch or personal URL, a cash/check option is displayed on the funding screens. This allows members visiting a branch to fund their accounts with cash or checks after their accounts are established. By default, the cash/check option is enabled—but it can be turned off upon request. Please note that this setting applies to both personal and in-branch URLs; they cannot be configured separately.

Financial institutions can add a pending rule to place applicants using the cash/check option into a pending state. This ensures manual intervention can occur before their memberships are approved.

Foundation Funding Support

For financial institutions requiring specific funding for certain eligibility methods, a required funding amount can be enforced. The most common use is when FIs require funding for a specific foundation eligibility type. This requirement appears prominently on the "Enter Your Funding Amounts" screen.

The collected amount is deposited into the member’s primary share account. Glide does not currently support directing this funding to a specific general ledger (GL).

Financial institutions must manually reallocate these funds from the primary share account as needed.

Failed Fundings

It is possible that card or ACH fundings fail once the membership is approved and the fundings are processed, due to AVS (Address Verification), Insufficient Funds, or an ACH return.

Read more about our Card Funding Flow Fraud Prevention Measures here.

Key Benefits

• Provides flexibility for financial institutions to ensure memberships are funded at the time of application.

• Streamlines the application process by consolidating funding options.

• Supports both online and in-branch account opening workflows.