A real bank · Before and after

One bank's website, before and after.

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
HomeAccount ManagementPayment TransfersRates & FixesReporting
Consolidated Balance Summary

A balance overview of the loan and/or investment relationships you have with CoBank.

DescriptionAccountBalance
Operating Line of Credit...4412$186,300.00
Term Loan, Equipment...7208$412,750.00
Class A Stock...1104$18,400.00

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.
FieldValue
E-mail addressscott@jewellfarms.coop Edit
Security profileSpecific 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.

Profile strength, 80 percent
Enter a 10 digit US phone number

Personal details Edit

Preferred nameScottWe use this everywhere we talk to you.
Mobile phoneYour sign in(720) 555-0164
EmailVerifiedscott@jewellfarms.coop

Your roles

BorrowerActive credit relationship since 2019.
Operating line and equipment term loan, both current. Your relationship manager is Dana Ortiz, one tap away in Support.
Member ownerYou hold stock in CoBank.
Class A stock, $18,400. Your ownership grows as patronage is retained each year, and it is yours when you leave.
Voting memberBoard election opens March 2027.
One member, one vote, regardless of stock held. Your region elects two directors this cycle, candidate statements arrive in February.
AdminYou manage access for 3 people at Jewell Farms Cooperative.
Maria, Tom, and Alex have access today. You decide what each person can see and do, and every change is logged.

Security Review devices

Two step sign inOnText code to (720) 555-0164
Last sign inToday, 7:42 am · iPhone · Greeley, CO
iPhone 15Greeley, CO · active now
This device
Mac, SafariFort Collins, CO · yesterday, 4:18 pm

Ownership at a glance

Your stock in CoBank$18,400
Class A stock, $15,000 purchased at origination plus $3,400 in retained patronage. Paid out to you if you ever leave the cooperative.
2025 patronage distribution$1,265
YearCash paidRetained
2025$885$380
2024$777$333
2023$714$306
2022$633$272
2021$588$252

As a cooperative, we return a share of our earnings to members every year.

20212025

Accounts at a glance All accounts

Operating line of credit · ...4412$186,300
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 activity A daily digest of anything that moved.
Balance changes The moment a balance crosses a line you set.
Rate changes When 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

Statements Monthly account statements the day they post.
Rate updates Changes that affect your credit lines, as they happen.
Patronage notices Your annual distribution, announced and paid.
Board elections Ballots, 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.

Founder0 to 1Live product
Meet BagEquity
That is the live product on the right, not a mockup.
Live Tap to open