CoBank is a large American bank owned by its own customers, mostly farmers and rural businesses. The top screen recreates the online banking site those customers use today, built from the bank's own help guides. The bottom screen is my redesign, and everything in it works, click anything. The buttons under the screens walk through the biggest differences one at a time.
Independent design exercise built from public information. I do not work for CoBank.
Before, what customers use today, recreated from the bank's help guides
portal.cobank.com · documented
CoBank Online Banking Welcome. Last visit 06/28/2026
The stock you own appears only as a balance row. Nothing explains ownership, patronage, or your vote.
Settlement Report
Settlement amount for 07/02/2026, $3,118.42. View report
Scheduled Reports
Set up email reports providing updates regarding transaction activity, account balances and interest rates. Add or edit alerts
User Profile
Personal Information. Update the Online Banking system if your e-mail address has changed.
Field
Value
E-mail address
scott@jewellfarms.coop Edit
Security profile
Specific components Edit
This is the entire documented profile.
Preferences
Customize system default settings within the following categories.
Session Activity Report
Time Out
Bank Lookup
Transaction Search
Settings for operating a system, none for how the bank knows or reaches you.
After, my redesign, everything works, click around
Why I designed it this way. CoBank's customers are not just customers, they each own a piece of the bank. So this screen leads with the person, what you own, what the bank paid you back, when you get a vote, and how it reaches you. Every number explains itself in plain words, one tap away, and nothing they already had was lost, the balances and reports are all still here, just easier to read.
cobank.com/portal/profile · concept
Home
You, your money, and how we stay in touch, all in one place.
Drawn $186,300 of your $300,000 line, $113,700 available today. Interest accrues daily at 7.1 percent, shown per draw on tap.
Term loan, equipment · ...7208$412,750
Next payment $8,914 on August 1, autopay is on. Two taps to see the full schedule or pay ahead.
Today's settlement$3,118.42
Settles by 5 pm Mountain. The full settlement report opens on screen, line by line, and downloads if you want the file.
The balance summary and settlement report their portal documents, readable at a glance, detailed on tap.
Reports and alerts
Transaction activityA daily digest of anything that moved.
Balance changesThe moment a balance crosses a line you set.
Rate changesWhen a rate on your credit moves, old and new side by side.
Their Scheduled Reports, rebuilt as alerts a person can reason about. Everything shows in app first, email and text are your choice.
Communication preferences
StatementsMonthly account statements the day they post.
Rate updatesChanges that affect your credit lines, as they happen.
Patronage noticesYour annual distribution, announced and paid.
Board electionsBallots, candidates, and results for your voting region.
You choose how we reach you. Required legal notices always arrive by mail or email.
See the differences
Each button shows one difference. It quotes the bank's own help guides, then points at the fix in the redesign below.
Two versions of one bank's website. The top recreates what customers get today. The bottom is my redesign, and every button and toggle in it works. Play the walkthrough, or just start clicking.
Why money products are my lane · The proof
I can take a money product apart because I build one.
The CoBank rework is not guesswork. BagEquity is the fintech I founded and designed end to end, onboarding, money movement, and the design system. That is it on the right.