XCEL Federal Credit Union Successfully Launches Mahalo’s Thoughtful Banking® Platform

Denny Howell

​Mahalo Banking, a CUSO that provides online and mobile banking solutions for credit unions, today announced that New Jersey-based XCEL Federal Credit Union (XCEL FCU) has successfully launched its Thoughtful Banking® platform. This partnership modernizes XCEL FCU’s digital banking experience and expands its ability to integrate new third-party solutions, equipping its members with a secure, intuitive, feature-rich platform.
 
XCEL FCU sought a next-generation digital banking provider in conjunction with its core provider conversion, with a goal of transforming their digital infrastructure. Mahalo’s seamless integration with Corelation Keystone, commitment to ongoing innovation, and member-centric approach made it the ideal choice for their credit union.
 
Michael Mahiya, Interim CEO and CIO of XCEL FCU, shared that the catalyst for the change was a desire to overhaul the credit union’s entire digital banking infrastructure to better serve their members. “Partnering with Mahalo ensures that our members have access to an innovative and frictionless digital banking experience,” Mahiya said. “Mahalo’s dedication to staying ahead of industry trends and prioritizing security gives us confidence that our digital banking platform will continue to evolve with our members’ needs.”
 
XCEL FCU members now have access to Mahalo’s cutting-edge digital banking features, including Thoughtful Banking® neurodiversity features to support cognitively diverse members, CardHub for enhanced card management and security controls, P2P payments through Zelle®, and Credential Assurance Technology (CAT), which eliminates credential stuffing threats.
 
These features are aligned with the credit union’s long-term vision of providing a secure, user-friendly platform that supports members’ financial needs. Mahalo’s ability to integrate with a broad range of third-party providers without incurring additional fees positions the credit union for sustained digital growth and competitive differentiation.
 
“XCEL FCU wanted a modern digital banking platform that empowers them to remain agile and adaptable while maintaining the highest level of security and innovation,” said Denny Howell, COO of Mahalo. “Our focus is on providing credit unions with modern, secure, and flexible solutions that enhance their digital offerings. We look forward to innovating alongside XCEL FCU to ensure they deliver the best possible experience to their members.”
 
With Mahalo’s flexible technology and deep understanding of credit union priorities, XCEL FCU is positioned for long-term digital growth and sustained member satisfaction.

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