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 > DEPOSIT GROWTH
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.
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 deposit campaigns | Deliver the same personalized deposit message in digital banking, at the teller, through the contact center agent, and in outbound email/SMS. |
| Cross-sell coordination | A customer accepting a loan offer can be immediately shown a relevant deposit offer—growing the relationship in one interaction. |
| Policy-governed offers | Your team controls rates, minimums, eligibility, and product availability. Movemint executes—you set the rules. |
| Competitive response tools | When a customer searches rate comparison terms or shows attrition signals, surface a retention offer in real time. |
| Full deposit attribution | Know exactly which offers drove which accounts, at what cost, through which channel. |
HOW WE COMPARE
More Than a Digital Banking Widget
vs. SavvyMoney:
SavvyMoney surfaces deposit offers within digital banking through its credit score and financial wellness engagement layer. This works well for digitally active customers. Movemint reaches a broader customer base—including those who primarily interact through branch and contact center—and uses institution-defined customer attributes rather than credit score signals to determine deposit readiness. For institutions that want deposit growth across every channel, not just digital, Movemint delivers the complete picture.
vs. Broadcast deposit campaigns:
Traditional CD specials reach everyone—including customers who would have deposited anyway and rate-chasers who leave at the next promotion. Movemint's targeting means you spend rate budget on the customers with genuine relationship potential, at the moments they're actually receptive.
vs. Core-system marketing tools:
Most core marketing tools offer batch segmentation and scheduled campaigns. Movemint delivers real-time personalization—when a customer's balance crosses a threshold, when a CD matures, when a behavioral signal fires—so offers reach customers at the moment of maximum relevance.
WORKS WITH YOUR STACK
Already Inside Your Digital Banking Platform
Movemint integrates natively with the digital banking platforms and core systems your institution already uses. Deposit offers appear inside the customer's existing app experience—no new portal, no friction, no separate login.
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
See What Deposit Growth Looks Like for Your Institution
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.