Secure eSignatures for Banking: Accelerate Agreements, Ensure Compliance
In the fast-paced financial sector, paper-based processes create friction, risk, and delays. eSignly empowers banks, credit unions, and lenders to transition to a fully digital workflow. Our platform is engineered to meet the stringent security and compliance demands of the banking industry, helping you reduce turnaround times from weeks to hours, eliminate costly errors, and provide the modern, convenient experience your customers expect.
The eSignly Advantage for Financial Institutions
Ironclad Security & Compliance
Exceed regulatory requirements with AES 256-bit encryption, SOC 2 Type II certification, and full compliance with ESIGN and UETA acts.
Court-Admissible Audit Trails
Capture a comprehensive, tamper-evident log of every action, from document creation to final signature, ensuring irrefutable legal proof.
Accelerated Loan Cycles
Reduce document turnaround time by up to 90%. Eliminate delays from printing, mailing, and manual follow-ups to close loans faster.
Seamless API Integration
Embed eSignature workflows directly into your core banking systems, CRM, and loan origination software for a unified, efficient process.
Superior Customer Experience
Offer clients the convenience of signing documents anytime, anywhere, on any device, with no downloads or complex instructions required.
Advanced Signer Authentication
Enhance security with multi-factor authentication options, including SMS verification and Knowledge-Based Authentication (KBA).
Reduced NIGO Errors
Use mandatory fields and data validation to ensure all forms are completed accurately the first time, eliminating costly "Not In Good Order" errors.
Centralized Document Management
Securely store and manage all signed agreements in a centralized, searchable repository, simplifying audits and record-keeping.
Dedicated Expert Support
Our team understands the unique challenges of the banking sector. We provide expert support for implementation, integration, and ongoing success.
Transforming Every Aspect of Your Banking Operations
eSignly provides tailored eSignature solutions for every department, from retail banking to complex commercial lending. Digitize your workflows to enhance efficiency, strengthen compliance, and delight your customers.
Digital Loan Application & Closing
Modernize the entire lending lifecycle, from initial application to final closing documents. Provide a fast, secure, and transparent experience for borrowers.
- Securely send and receive entire loan packets digitally.
- Automate signature and initial placements for all required documents.
- Integrate with Loan Origination Systems (LOS) for seamless data flow.
Mortgage & Refinancing Documents
Navigate the complexity of mortgage paperwork with ease. Our platform handles multi-party signing and ensures all disclosures and agreements are executed in compliance with industry regulations.
- Manage complex signing orders for borrowers, co-borrowers, and agents.
- Ensure timely delivery and acknowledgment of critical disclosures like TILA-RESPA.
- Create a secure, auditable record of the entire closing process.
New Account Opening
Create a frictionless onboarding experience for new customers. Allow individuals and businesses to open checking, savings, and other deposit accounts from anywhere, on any device.
- Digitize signature cards, W-9 forms, and terms of service agreements.
- Reduce in-branch paperwork and manual data entry for your staff.
- Verify signer identity with advanced authentication methods.
Treasury Management Forms
Streamline the setup of complex treasury and cash management services for your business clients. Digitize ACH authorization forms, wire transfer agreements, and service contracts.
- Accelerate time-to-revenue for high-value business services.
- Use templates to standardize forms and reduce setup errors.
- Provide a professional, modern onboarding experience for corporate clients.
Wealth Management & Advisory Agreements
Securely execute investment advisory agreements, client suitability forms, and trade confirmations. Provide high-net-worth clients with the secure and efficient service they demand.
- Ensure FINRA and SEC compliance with secure, time-stamped records.
- Use bulk sending to distribute updated advisory agreements or disclosures to all clients at once.
- Maintain client privacy with robust security and access controls.
Compliance & Disclosure Forms
Ensure and prove regulatory compliance by digitizing the delivery and acknowledgment of critical disclosures, such as Regulation E, Privacy Notices, and fee schedules.
- Track receipt and acknowledgment in real-time.
- Maintain a centralized, auditable repository of all client disclosures.
- Automate annual notice distribution with bulk sending features.
Internal HR & Operations Documents
Improve internal efficiency by digitizing workflows for HR, vendor management, and internal approvals. Securely sign new hire paperwork, policy acknowledgments, and third-party contracts.
- Streamline employee onboarding and internal policy management.
- Accelerate procurement cycles with digital vendor contracts.
- Create secure, auditable approval workflows for internal processes.
Bank-Grade Security & Unquestionable Compliance
We built our platform on the principle that for financial services, security isn't a feature—it's the foundation. We provide multiple layers of protection to safeguard your data, your clients, and your reputation.
End-to-End Encryption
All data, both at rest and in transit, is protected with AES 256-bit encryption, the same standard used by major financial institutions.
Tamper-Evident Sealing
Every document is sealed with a cryptographic signature. Any unauthorized change to the document after signing will invalidate the seal.
Multi-Factor Authentication
Verify signer identity beyond email with SMS codes, Knowledge-Based Authentication (KBA), and other secure methods.
Comprehensive Audit Trails
Capture every IP address, timestamp, and action associated with a document, creating a robust, court-admissible legal record.
Real-World Results for Financial Leaders
Problem: A Slow, Error-Prone Mortgage Process
The credit union's manual process for collecting signatures on dozens of mortgage documents was causing significant delays. Packets were frequently returned with missed signatures or incorrect information (NIGO errors), requiring costly rework and frustrating members.
Key Challenges:
- Average closing time exceeding 45 days.
- High rate of NIGO errors causing rework.
- Significant costs associated with printing and overnight shipping.
- Lack of visibility into the status of closing documents.
Our Solution:
- Implemented eSignly for the entire digital mortgage closing packet.
- Created templates with pre-placed, mandatory signature and initial fields.
- Utilized ordered signing to route documents automatically from member to loan officer.
- Provided a real-time dashboard for loan officers to track document status instantly.
Trusted by Banking Professionals
"The audit trail is incredibly detailed. Our compliance team was impressed, which made the approval process smooth. It gives us complete confidence during regulatory exams."
"Integrating eSignly's API into our client portal was surprisingly straightforward. Their documentation is excellent, and it has created a seamless onboarding experience for our treasury clients."
"We've cut our new account opening time in half. What used to require an in-person visit can now be done from the customer's phone. It's a huge competitive advantage for us."
Integrates With Your Existing Ecosystem
Our flexible REST API allows for deep integrations with the platforms you rely on every day, creating a single source of truth and eliminating manual data transfer.
Frequently Asked Questions
Yes. In the United States, the Electronic Signatures in Global and National Commerce (ESIGN) Act of 2000 and the Uniform Electronic Transactions Act (UETA) grant electronic signatures the same legal status as handwritten signatures. eSignly provides a comprehensive, court-admissible audit trail to support the legality of every signed document.
eSignly offers a powerful and flexible REST API designed for seamless integration. Your development team can use our extensive documentation to connect eSignly's functionality directly into your core banking platform, CRM, or custom applications, creating a unified workflow for your staff and customers.
Security is our highest priority. We employ bank-grade security measures, including AES 256-bit encryption for data at rest and in transit, tamper-evident document sealing, and robust access controls. Our platform is compliant with SOC 2 Type II, ISO 27001, and PCI DSS standards.
Absolutely. The eSignly signing experience is fully responsive and optimized for any device, including smartphones and tablets. Customers receive a secure link via email or SMS and can review and sign documents directly in their web browser with no app to download or install.
Our platform makes it easy to manage complex workflows. You can set a specific signing order, assign different fields to each signer (e.g., borrower, co-borrower, loan officer), and track the progress of the document in real-time from your dashboard. Each party is automatically notified when it's their turn to sign.
Ready to Modernize Your Bank's Workflow?
Stop letting paper processes slow you down. Discover how eSignly can help you accelerate loan cycles, enhance compliance, and deliver a world-class customer experience. Schedule a personalized demo with one of our banking solution experts today.
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