Alkami and Provident Bank Launch Unified Account Opening Across 135 Branches

Provident Bank has deployed Alkami’s MANTL platform across its 135-branch network to unify digital and physical account opening. For fintech professionals, this move signals a shift toward omnichannel parity where complex fiduciary and business accounts are no longer tethered to legacy manual workflows, allowing $25 billion institutions to compete with agile neobanks on speed while maintaining branch-heavy relationship models.

What was announced

Provident Bank, a financial institution with over $25 billion in assets, has successfully launched MANTL Business Account Opening and Retail Account Opening. The implementation spans the bank’s entire 135-branch network and involves more than 800 team members. By adopting a single platform for both digital and in-branch channels, the bank aims to eliminate the friction caused by disparate legacy systems and modernize the experience for both employees and customers.

The rollout allows customers to open a variety of account types online or in person, including minor accounts and individual retirement accounts (IRAs). For more complex needs, branch staff can now utilize modernized, standardized workflows to open personal and business fiduciary accounts, revocable and irrevocable trust accounts, estate accounts, and escrow accounts. This transition was executed in tandem with a major core system conversion, representing a significant overhaul of the bank's technological foundation.

The launch coincides with a broader industry trend toward digitizing the physical branch. According to the data, in-branch account opening has become the highest-volume growth channel for the MANTL platform in 2026, reaching nearly 90,000 booked applications in a single month. By refining existing processes rather than simply digitizing old ones, the bank and MANTL focused on change management and customized training to ensure high adoption rates among the 800 employees now using the system across the organization.

"Our partnership with MANTL is built on a shared vision and a strong level of trust in how technology can enhance the customer experience. By bringing our digital and branch account opening capabilities together on one Platform, we’re creating a competitive advantage for Provident while making the experience simpler and more consistent for both our customers and our team members. Just as important, we’re investing in our people by giving them the technology, training, and tools they need to be there for our customers whenever and however they choose to engage with us, whether online, in a branch or through our contact center."

Scott Hurlbert, senior vice president, digital channels director at Provident Bank.

The companies involved

Alkami Technology, Inc. (Nasdaq: ALKT) is a prominent provider of digital sales and service platforms for financial institutions in the United States. Based in Plano, Texas, the company has established a significant footprint in the fintech sector, with its solutions frequently utilized by credit unions and regional banks looking to modernize their digital offerings. Alkami provides the MANTL platform as a core part of its ecosystem, focusing on automating the account opening process to drive growth and efficiency.

MANTL is a technology provider that specializes in digitizing the onboarding process for banks and credit unions. The platform is designed to integrate deeply with existing core banking systems, a feature that was central to the Provident Bank implementation. Provident Bank itself is a major regional player with over $25 billion in assets. Operating a network of 135 branches, the bank serves a diverse customer base requiring both standard retail products and complex fiduciary services. This implementation marks a major step in the bank’s digital transformation, moving away from the "siloed" approach that often characterizes traditional banking operations where branch and digital experiences are managed through separate, incompatible technologies.

What FF News has reported before

FF News has tracked Alkami’s expansion closely, with 75 previous reports on the company’s market moves. Recently, we covered how Alkami’s MANTL Hits 1 Million In-Branch Applications, a milestone that highlights the growing importance of physical branch modernization. The platform’s efficiency was also demonstrated when Raiz FCU Slashes Account Opening Times from Nine Days to Four Minutes with Alkami.

Additionally, our coverage of Alkami Research: 85% of Consumers Demand High-Quality Digital Banking or Will Switch underscores the pressure on institutions like Provident to upgrade. We also reported on credit union adoption, such as when Embers Credit Union Boosts Lending Efficiency with Alkami’s MANTL Platform.

What this means

The unification of branch and digital account opening at a $25 billion bank suggests that the "digital-first" era is evolving into a "digital-everywhere" reality. For the industry, the pressure is no longer just about having a functional mobile app; it is about ensuring that complex, high-value products like fiduciary and estate accounts can be handled with the same speed as a basic checking account. This puts significant pressure on legacy core providers who have historically struggled with cross-channel consistency. The success of this rollout raises a critical question for the sector: can traditional banks maintain their "relationship" advantage if they fail to bridge the technological gap between their physical and digital storefronts?