How Wright-Patt Credit Union Created a Highly-Efficient MRB Banking Program

The Challenge

Wright-Patt Credit Union was the first financial institution in Ohio to bank cannabis businesses, formalizing its program in 2018 and onboarding its first tier-one account in 2019. As the program grew from a single account, the MRB compliance team ran everything by hand — Excel spreadsheets, Word documents, and email threads for monitoring, reviewing, and investigating every business. With zero systematic support, the team had to add staff every year just to keep pace, making it clear the program couldn’t scale on manual processes alone.

The Green Check Solution

Wright-Patt spent roughly a year and a half to two years evaluating options — first exhausting internal system capabilities, then benchmarking three or four external cannabis compliance platforms through feature comparisons and demos — before selecting Green Check to power its next stage of growth:

• Automated POS data ingestion: Green Check pulls each business’s point-of-sale data directly via API on a daily auto-feed, removing the need for operators to manually upload monthly sales reports.
• Centralized document management: Businesses upload compliance documents directly into Green Check instead of via email, eliminating lost attachments and giving the compliance team a single system of record for the full retention period.
• Automated compliance rules engine: State-specific compliance rules are built into the system and run against every transaction automatically, flagging anything that needs review instead of requiring manual checks.
• Streamlined onboarding: Businesses complete applications and upload documents in one place, and the compliance team reviews, approves, and opens accounts within the same system.
• Responsive product partnership: The Green Check team was consistently responsive to data questions and business requests, and actively sought input on product enhancements throughout scoping, implementation, and ongoing partnership.

“I have never worked with another system whose employees cared as much about what I have to say as a client… They listen, they ask questions, they want to know more.” — Megan Bennett, MRB Compliance Manager, Wright-Patt Credit Union

The Results

• Consolidated compliance processes that used to take four or five manual steps into a single Green Check workflow.
• Cut process times in half or more, based on time studies the team ran both before and after adopting Green Check.
• Automated compliance monitoring means the team no longer manually checks every transaction — the system flags exceptions so analysts can focus on investigation, not organization.
• Member onboarding shifted from a paper application and scattered email documentation to a one-stop digital process, reducing the five to ten documents businesses previously had to submit by hand each month.
• Tracked, in-platform communication between the credit union and its cannabis business members replaced phone calls and email threads that were prone to getting lost.