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Branch-ready · Title III + Reg E + EFTA

Banks & Credit Unions

The branch is one of the few remaining everyday venues where most adults still appear in person — and where a communication failure has a financial cost the patron may not realize until weeks later. TinkyTown turns the auxiliary aid into a fraud-prevention asset: a patron who understands the disclosure is a patron who doesn't file a complaint or a CFPB report later.

Surface: QR + counter tablet Standards: Title III · Reg E · EFTA Routing: /bank/:brand/:branch
The real system

What the customer actually taps at the teller window

Real production tiles from the branch deployment.

tinkytown.com/bank/keybank/west-hartford EN · ES · zh · ru · vi · 120+
🏦 How can the branch help you today?
💵Deposit / withdraw
🪪Open an account
💳Debit / credit issue
🏠Talk to a loan officer
⚠️Report fraud
📝Dispute a charge
📤Send a wire
📜Notary / signature
🤟ASL interpreter please
Accessible entrance
🅿️Accessible parking
↩️BACK
Where the branch wins

The unbanked patron, finally banked.

⚠️

Fraud-prevention edge

A patron who understands the disclosure is less likely to file a Reg E claim later. Picture-driven explanation of holds, dispute timing, ATM withdrawal limits — the bank's compliance and the patron's confidence move together.

🌐

LEP languages most underserved by phone

Spanish, Mandarin, Portuguese, Russian, Vietnamese, Arabic — the languages most underserved by phone-interpreter contracts in retail banking. Bilateral in both directions.

📝

Dispute-resolution flow

The unbanked or recently arrived patron can finally explain what happened. Picture-driven escalation; the staff member documents the dispute in writing without an interpreter delay.

📱

Counter-tablet backup

For patrons with no phone — the high-need customer most banks lose to a competitor for lack of accessibility. The tablet means the patron stays.

ADA Title III · Reg E · EFTA · CFPB framework

Three regulatory frameworks stack on every branch interaction

Title III says you must provide effective communication. Regulation E and the EFTA say you must give the patron disclosures they can understand. The CFPB ombudsman framework says complaints have to be resolvable.

  • Title III auxiliary aid mandate (28 CFR § 36.303) — every staffed service point, every disability profile, every language.
  • Regulation E disclosures — patron must understand error-resolution procedures, dispute timing, liability for unauthorized transactions.
  • Service-animal two-question script trained — the most common Title III branch complaint, eliminated at the door.
  • CFPB consumer-protection alignment — better front-line communication reduces the volume of escalated complaints.

Bring TinkyTown to your branch.

$725/month per branch. Includes the branch top board, ATM accessibility cross-link, ASL request flow, 20 universal sub-boards, and 120+ languages.