Like many growing banks, Rio Bank faced a costly operational dilemma: while their lending team had already found success with Kinective Sign’s integrated eSignature workflows, other departments were burning hours on manual document processes that ate into profitability and staff productivity.

Serving communities along the Mexican border in deep South Texas, Rio Bank operates 24 locations spanning from the Rio Grande Valley to Central Texas and San Antonio. Building on their lending department’s positive experience with Kinective Sign, the bank recognized an opportunity to solve a critical operational challenge: other departments relied on a generic eSignature partner, which created costly inconsistencies across the institution.

Staff across HR, Treasury, Mortgage, and Trust departments were forced into manual workarounds—exporting documents to PDF, uploading to the bank’s former generic eSignature provider, then manually archiving to their imaging system, Director. The generic eSignature platform lacked banking-focused support and native core system integrations, turning automated processes into time-consuming manual tasks.

The inefficiency was particularly evident in account opening, where staff using Fiserv’s Business Process Manager (BPM) had to manually export and upload documents. Meanwhile, lending was already experiencing streamlined document workflows through Kinective Sign’s integration with the bank’s ABS CoPilot loan origination system (LOS). The success of this automated workflow—where documents moved seamlessly from initiation to completion to archival—demonstrated the potential for similar efficiencies across all departments through SignPlus’s enhanced workflow automation capabilities.

Given the lending department’s success with Kinective Sign, Rio Bank decided to implement SignPlus bank-wide—leveraging its advanced workflow automation capabilities to eliminate manual bottlenecks while creating organizational consistency.