Rate fatigue
Broad-based rate promotions attract the wrong customers—the most rate-sensitive who will leave again at the next basis point. Personalization targets customers with genuine relationship potential.
SOLUTIONS
Grow Deposits by Reaching the Right Customers Before They Move Their Money
Movemint identifies customers with deposit potential and surfaces personalized CD, savings, and checking offers in real time—inside digital banking, at the branch, through your contact center, and via outbound campaigns.
$26.8M in CDs and $340K in high-yield savings driven through Movemint in a single 11-month engagement.
THE CHALLENGE
You're Competing for Deposits on Rate Alone. There's a Better Way.
In a rate-competitive environment, financial institutions default to broadcast CD specials and mass email campaigns—the same offer to every customer, regardless of their actual deposit potential or life stage. The result: you either overpay for deposits you'd have kept anyway, or you lose rate-sensitive customers to fintechs and national banks with better digital experiences.
The customers most likely to move significant deposit balances are often invisible to your team until it's too late. They've already opened a Betterment account, moved savings to Marcus, or locked into a brokerage CD.
Digital channel gaps
Your highest-value deposit opportunities may be customers who primarily interact through branch or contact center—channels that often have no mechanism to proactively surface deposit offers.
HOW MOVEMINT WORKS
Personalized Deposit Offers That Reach Customers Where They Are
Movemint uses institution-defined customer attributes—balance trends, product holdings, life stage signals, behavioral data—to identify deposit opportunities and surface the right offer at exactly the right moment, across every channel.
How it works:
1. Target customers
Movemint analyzes customer data to identify which customers qualify.
2. Match the right product
Movemint matches the offer to the customer: high-yield savings, a bump-rate CD, a checking upgrade. Institution-defined rules govern every offer.
3. Deliver across all channels
The same intelligence that powers the digital banking offer also informs the branch teller conversation and the contact center agent's next-best-action prompt. Customers get a consistent, personalized message regardless of how they interact with you.
4. Convert and measure
Every accepted offer, every opened account, every dollar deposited is tracked back to the Movemint campaign—giving your team clear attribution and the data to optimize continuously.
PROVEN RESULTS
Deposit Growth You Can Put on the Balance Sheet
$26.8M
in CDs opened through Movemint | 500K-member credit union | 11-month engagement
$340K
in high-yield savings accounts | Same engagement—members targeted in digital banking
$200K
in new checking accounts | Cross-sell driven by loan offer acceptance
Multi-product
Deposit offers run alongside loan and NII offers | One platform, coordinated growth across all product lines
A 500K-member credit union running Movemint across loan, deposit, and NII products in parallel saw deposit offers convert alongside $182.7M in consumer loans and $154K in GAP income. Movemint's platform coordinates across product lines so that a member accepting a loan offer can immediately be presented with a relevant deposit offer—deepening the relationship in a single session.
WHY MOVEMINT FOR DEPOSIT GROWTH
The Deposit Growth Platform That Knows Your Customers Better Than a Rate Sheet Does
| Capability | What it means for you |
|---|---|
| Multi-channel delivery | Loan offers reach customers in digital banking, branch, contact center, and outbound—not just one channel |
| Institution-defined targeting | You set the rules: who qualifies, at what rate, for which products. No black-box algorithms. |
| Native digital banking integration | Customers see offers inside the app they already use. No new portal. No friction. |
| Pre-approved and application offers | Surface both firm pre-approvals and invitation-to-apply offers—expanding your addressable opportunity |
| Full attribution dashboard | See exactly which offers generated which funded loans, by channel, product, and customer segment |
HOW WE COMPARE
Built for Growth Across Every Channel—Not Just Origination
vs. Clutch:
Clutch is an excellent origination tool—it streamlines the application and funding process once a customer decides to borrow. Movemint works upstream: identifying who should borrow, surfacing the offer in the moment they're most receptive, across every channel your institution already operates.
vs. SavvyMoney:
SavvyMoney uses credit score engagement to surface offers within digital banking. Movemint goes further—using institution-defined customer attributes to personalize offers across digital, branch, contact center, and outbound simultaneously. Where SavvyMoney focuses on digital engagement and financial wellness, Movemint is purpose-built to drive funded loan volume at scale.
vs. Building In-House:
Building a personalization layer across all four channels requires years of development, ongoing compliance management, and a dedicated data science team. Movemint deploys in weeks, integrates with your existing stack, and delivers results before a homegrown solution would be halfway to launch.
WORKS WITH YOUR STACK
Natively Integrated. No Rip-and-Replace.
Movemint integrates with the digital banking platforms, core systems, and loan origination systems your institution already uses. Your customers never leave your branded experience. Your team never switches tools.
What Are You Trying to Grow?
For lending teams
Who want to grow loan volume, increase pull-through, and recapture loans your customers are taking to competitors.
For finance and executive leadership
Who want a measurable return—loans, deposits, and NII growth you can put on the balance sheet.
For digital banking and CX leaders
Who want a personalized, consistent customer experience across every channel—without replacing your existing platform.
FIND YOUR FOCUS
Ready to See What Movemint Can Do for Your Loan Portfolio?
Movemint gives financial institutions the infrastructure to turn personalized engagement into measurable growth—across loans, deposits, non-interest income, and customer experience—all from a single platform.