Free practical review tool

Find the friction before it costs another application.

The Digital Account Opening Friction Checklist helps community banks and credit unions review the complete journey, identify where applicants struggle, and decide what deserves attention first.

  • Review entry points, expectations, and next steps
  • Assess system handoffs and the mobile experience
  • Check disclosures, trust signals, and compliance
  • Turn observations into a prioritized action plan

Digital friction assessment

Review the journey from first click to funded outcome.

Score each statement based on the experience today. Choose 0 for not in place, 1 for partial, or 2 for consistent. Honest answers create the most useful priority view.

Your result is included with the assessment. Submit the form to view your result and download the checklist. Marketing permission is not required.

Your information is used to provide your assessment result and support requested follow-up. Marketing emails are sent only if you select the optional choice above. Read our privacy notice.

A focused first step

More traffic cannot repair a journey that is difficult to complete.

This checklist creates a shared view of the issues that can quietly weaken conversion. Use it with marketing, lending, digital, operations, and compliance leaders, then compare what each team sees.

Need a second set of eyes?

Turn the findings into a practical roadmap.

Iron Umbrella Strategies helps community banks and credit unions evaluate digital journeys, clarify priorities, and connect improvements to applications, funded loans, deposits, and stronger relationships.

Discuss your findings