CBX runs in a browser, which means your team can access it from any device with an internet connection. There's no dedicated on-premise hardware to install or maintain. CU*NorthWest manages the system infrastructure so your credit union doesn't need in-house IT resources for your core.

New CBX Release Coming: View Dates & Release Notes
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New CBX Release Coming: View Dates & Release Notes
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CUNorthWest – Credit Union Software & Core Banking Systems Partner

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One connected core banking platform.

CBX Core Banking Software Capabilities

CBX brings the core tools your credit union relies on into a browser-based experience that simplifies everyday work. It supports frontline service, lending, accounting, reporting, payments, and compliance in a single, connected core environment. CU*NorthWest supports CBX with clear ownership, practical guidance, and real people who understand credit unions.

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Credit union staff reviewing CBX core banking software capabilities with CU*NorthWest

On This Page

Member Service & Teller

Lending & Collections

Accounting & Back Office

Digital Banking

Reporting & Automation

Payments & Cards

Security & Compliance

Security & Disaster Recovery

Account Opening

CBX FAQs

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On This Page

Member Service & Teller

Lending & Collections

Accounting & Back Office

Digital Banking

Reporting & Automation

Payments & Cards

Security & Compliance

Security & Disaster Recovery

Account Opening

CBX FAQs

Not sure where to start? Request a CBX Demo

Member Service & Teller

Faster transactions. Cleaner member conversations. Fewer clicks between a question and an answer. CBX gives your frontline staff the tools to handle daily service with confidence.

Faster Service

Fewer Errors

Better Member Experience

What CBX supports for daily service

Quick-launch member screen

Puts account details, transaction history, and service tools in one view so your team spends less time navigating

Shared receipt workflows

Consistent receipt handling across tellers reduces errors and speeds up daily balancing

Configurable defaults

Set up workflows that match how your team actually operates, not how the software assumes you do

Transaction history at a glance

Give your frontline the context they need to answer member questions without digging through multiple screens

What this looks like in practice

The goal is fewer handoffs, fewer workarounds, and faster resolution

Credit union teller using CU*NorthWest CBX member service software at branch counter

Step 1

Member walks in with a question - your teller pulls up their full account in seconds

Credit union staff member managing daily teller operations on CBX core banking system

Step 2

Transaction history, recent activity, and service notes are all accessible from one screen, no jumping between systems

Credit union team collaborating on CBX core banking member service and teller workflow

Step 3

The next team member who helps this member has full context from the last interaction

Lending and Collections

From application to funding to collections follow-up, CBX handles the full lending lifecycle inside your core banking system. Loan origination, credit decisioning, document generation, and loan booking are all built in. No separate loan origination software required.

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Core lending coverage

Application workflows

Designed to reduce re-keying and speed up processing from intake through approval

Underwriting support

Configurable pricing controls and credit decisioning that match your credit union’s lending policies

Collateral tracking

Loan structure flexibility to support common loan types without manual workarounds

Servicing and monitoring

Maintains visibility after funding so nothing falls through the cracks

Collections without chaos

Collections work is easier when it’s consistent. CBX supports delinquency monitoring and follow-up workflows that help staff stay on top of accounts without building a separate process outside the core. Automated scheduling and collection reporting keep your team organized, not scrambling.

Credit union accountant using CU*NorthWest CBX back office accounting software tools

Accounting and Back Office

Daily balancing, GL management, ACH and wire processing, and month-end close , all handled inside CBX. Your back office runs on the same core banking software as your frontline, which means fewer reconciliation headaches and a single source of truth. When your team needs extra hands, CU*NorthWest’s accounting support team can step in and carry the load.

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Back office foundation

General ledger support

Balancing workflows built into the core so your general ledger (GL) stays current without manual intervention

Operational tracking

Covers common back-office areas , ACH, payroll, share drafts, and vendor coordination

Dormancy and escheat controls

Monitoring for items that regulators ask about, built into daily operations

Budget setup and tracking

Supports leadership reporting and planning without a separate tool

Reconciliation support

Reduces time spent researching exceptions so your team can focus on higher-value work

Audit readiness is a habit

The goal isn’t perfect reporting once a year. The goal is daily accuracy that makes audits and exams less disruptive. CBX tracks what examiners look for, transaction history, document retention, and automated compliance checks, so audit prep is built into daily operations, not a quarterly scramble.

Digital Banking

Give your members the digital banking experience they expect without stitching together separate platforms. Online banking, a mobile app, bill pay, and voice banking all connect directly to CBX, so account data stays consistent and your team isn’t managing multiple software systems.

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Online Banking

Members manage accounts, transfer funds, view statements, and handle routine tasks from any browser. Connected directly to CBX for real-time accuracy. Security controls designed for everyday online use, with a digital experience that reflects your credit union’s brand.

Credit union member using CU*NorthWest CBX mobile banking app on smartphone

Mobile App

Mobile-first access for common banking needs. Supports features members expect, remote deposit capture, push notifications, and self-service tools built for how your members already use their phones.

Bill Pay

Members schedule, manage, and track payments from within their digital banking experience. No separate vendor login required.

Voice banking

Automated phone-based account access for members who prefer a call over a screen. Supports targeted member messaging and consistent access options across channels.

Reporting and Automation

Data should drive decisions, not just fill filing cabinets. CBX gives your team reporting tools that surface what matters. And CU*NorthWest can help you figure out which reports to run, what to do with what you find, and how similar credit unions across our network are using the same data.

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Credit union data infrastructure supporting CU*NorthWest CBX reporting and automation

You don't need a data scientist to use this.

Reporting foundations

Dashboards and inquiry tools

Support daily decisions with data that’s always current, not a day-old extract

Flexible reporting structures

Designed to support exports, analysis, and operational visibility across departments

Leadership and frontline coverage

A core reporting approach that works for both board-level oversight and day-to-day team action

CU*NorthWest CBX reporting tools providing actionable credit union financial insights

Insights you can actually use

Reporting is only useful if it drives action. CU*NorthWest helps you move from raw data to decisions, identifying dormant accounts, spotting lending trends, or benchmarking against similar credit unions in the network. We don’t just hand you a report and walk away.

Credit union team receiving follow-up support from CU*NorthWest CBX automation tools

Follow-up and outreach support

CBX supports workflows that help your team stay consistent with follow-up and member communication, including tools for cross-sales tracking, member surveys, and targeted messaging through digital channels and statements.

Payments & Cards

CBX supports the payment and card processing capabilities your credit union needs, with the flexibility to choose processors that fit your strategy. ACH, wire transfers, and card services are handled within the core system.

How We Help

Operational Readiness

Vendor Coordination

Payments and Card Operations

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Card and payment workflows

Support for common processing tasks that impact member satisfaction and daily operations

Operational controls

Limits, holds, and risk-reduction tools configurable to your credit union’s setup

Reconciliation support

Reduces time spent investigating exceptions so your team isn’t chasing down discrepancies manually

Vendor flexibility, with structure

Card and EFT ecosystems involve multiple vendors. CBX works with major card and payment processors, giving your credit union options without locking you into a single vendor. CU*NorthWest coordinates these relationships so your team isn’t managing vendor logistics on top of everything else. A strong core approach helps standardize reporting and controls so you’re not rebuilding processes every time a vendor changes.

Security and Compliance

Compliance tools and risk management capabilities are built into CBX, not added as aftermarket software. Access controls, transaction monitoring, audit workflows, and regulatory reporting are part of the core system your team already uses every day. CU*NorthWest helps you configure these tools for your credit union’s specific regulatory environment.

Compliance support in the core

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Regulatory monitoring tools

Rule-based tracking that supports common compliance requirements without a separate system

Configuration support

Helps you set up deposit tracking rules and other regulatory controls specific to your credit union

Operational monitoring

Designed to reduce missed steps and inconsistent handling, especially in high-volume situations

CU*NorthWest credit union security team monitoring compliance workflows and access controls

Monitoring and team workflows

Compliance isn’t only reporting , it’s a daily habit. CBX supports workflows and warnings that help staff follow policy consistently. Track user activity, flag suspicious transactions, and maintain the documentation examiners expect, all within the core system.

Secure digital channel infrastructure powering CU*NorthWest CBX credit union data protection

Digital channel security

Digital access requires strong controls. Multi-factor authentication, session management, and fraud monitoring tools protect your members across online and mobile channels. Staff permissions and access are managed through your CBX setup.

CU*NorthWest CBX high-availability data center for credit union disaster recovery systems

Security and Disaster Recovery

Your credit union’s data and your members’ trust depend on systems that are secure and available. CBX runs on infrastructure managed by CU*Answers with enterprise-grade security, geographically separated data centers, and a tested disaster recovery strategy. CU*NorthWest keeps you informed and supports your credit union’s own continuity planning.

High Availability

Tested Recovery

Enterprise Security

High availability infrastructure

CU*Answers operates multiple data centers in geographically separated locations with twice-yearly full rollover tests, live core processing redirected to a backup site, not a simulation

Tested disaster recovery

A documented Business Continuity Plan covering core processing, online and mobile banking, and supporting infrastructure, with published recovery test results for your board and examiners

Continuity planning for your credit union

CU*NorthWest connects you with business impact analysis, risk assessments, and team training for emergency scenarios so your credit union has its own recovery plan

Account Opening

CBX includes built-in account-opening tools that let your team open new memberships and accounts directly in the core system. No separate account opening software to purchase or maintain. Members can also start applications through their digital banking channel, with data flowing directly into CBX.

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CBX Core FAQ

If loan growth is a priority and collections cannot become a second full-time job. Our CBX core software supports lending from underwriting through servicing and delinquency monitoring.

Still have questions? Talk to a CBX specialist

What’s included in CBX core banking software?

CBX includes member service and teller tools, lending and loan origination, accounting and back office, digital banking (online and mobile), bill pay, reporting and automation, payments and card processing, compliance and risk management tools, and account opening. These capabilities are built into the core system, not third-party add-ons.

Do I need separate loan origination software with CBX?

No. CBX includes loan origination, credit decisioning, document generation, and loan booking as built-in capabilities. CU*NorthWest can help you configure and optimize the lending tools already in your core.

Is CBX cloud-based?

CBX runs in a browser for most daily tasks, though some functions - like receipt processing, scanning, and opening imaging vaults - require desktop software (CBX Station Control). Your team accesses the system through a secure connection to CU*Answers' data centers, and some on-premise equipment, like the firewall that establishes your VPN connection, is installed and maintained as part of the setup. CU*NorthWest manages the core system infrastructure so your credit union doesn't need a full in-house IT team to run your core.

How does CBX compare to other credit union core systems?

CBX is built and maintained by CU*Answers and supported locally by cooperative partners like CU*NorthWest. Unlike many large core providers, CBX bundles capabilities like loan origination, digital banking, and compliance tools into the core rather than requiring third-party add-ons. And because CU*NorthWest is a cooperative, your credit union has a voice in how the system evolves.

Ready to see what CBX can do for your credit union?

Schedule a conversation with our team. We’ll walk you through the core system capabilities that matter most to your credit union.

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CBX Core Capabilities

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Lending & Collections

Accounting & Back Office

Digital Banking

Reporting & Automation

Payment & Cards

Security & Compliance

Security & Disaster Recovery

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CBX FAQs

CBX Core Value-Add Ons

Online Membership & Applications

Document Imaging & Storage

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E-Signatures & Digital Documents

Compliance & Audit Monitoring

Core Support

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The Conversion Process

What's Included

Ongoing Upgrades

Conversion FAQs

Training Services

Live Training

Conversion Training

Self-Service Resources

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How We Support You

Escalation Path

Compliance & Risk Management

Disaster Recovery & Business Continuity

Support FAQs

AnswerBook

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Core Optimization Review

Core System Health Check

Custom Reporting Subscription

Reporting Automation Projects

Member Rewards Tier Program

FAQs

Marketing Services

How it Works

Marketing Assessment

Marketing Plan

Support Levels

Data to Action Programs

Plan Enhancements & Activations

Marketing FAQs

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About CU*NorthWest

Meet the Board of Directors

Careers

Training & Resources

Self-Service Training

CU*Answers University

CU*Answers on Demand

Schedule Training

Documentation

Release Documentation

CBX Reference Documentation

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CU* Answers Store

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Due Diligence

Core Systems

CBX Core Capabilities

Member Service & Teller

Lending & Collections

Accounting & Back Office

Digital Banking

Reporting & Automation

Payment & Cards

Security & Compliance

Security & Disaster Recovery

Account Opening

CBX FAQs

CBX Core Value-Add Ons

Online Membership & Applications

Document Imaging & Storage

Digital Forms

E-Signatures & Digital Documents

Compliance & Audit Monitoring

Core Support

Conversions & Upgrades

The Conversion Process

What's Included

Ongoing Upgrades

Conversion FAQs

Training Services

Live Training

Conversion Training

Self-Service Resources

Training FAQs

Support & Escalation

How We Support You

Escalation Path

Compliance & Risk Management

Disaster Recovery & Business Continuity

Support FAQs

AnswerBook

Consulting Services

Core Optimization & Consulting

Core Optimization Review

Core System Health Check

Custom Reporting Subscription

Reporting Automation Projects

Member Rewards Tier Program

FAQs

Marketing Services

How it Works

Marketing Assessment

Marketing Plan

Support Levels

Data to Action Programs

Plan Enhancements & Activations

Marketing FAQs

Training & Resources

Self-Service Training

CU*Answers University

CU*Answers on Demand

Schedule Training

Documentation

Release Documentation

CBX Reference Documentation

Digital Banking Documentation

Resources

Consulting Services Request

CU* Answers Store

About

About CU*NorthWest

Meet the Board of Directors

Careers

Contact

Due Diligence