Grow deposits with a more targeted approach.

Deposit growth funds a bank or credit union’s lending, investing and support of local communities. It also strengthens financial stability and long-term profitability.

Studies show that referred accounts maintain higher balances, stay longer and bring in more account holders. Recommendations made through Invitation Checking® System from trusted friends or family members carry more weight than ads alone, with referred account holders less likely to churn after receiving incentives.

Banks can use email, social media and automated tools to promote checking accounts, offer incentives and encourage referrals—appealing especially to tech-savvy generations who appreciate a seamless, fully digital experience.