What Account Types Can Be Opened Through MANTL?
MANTL gives banks and credit unions a single, omnichannel front door to open consumer and business accounts in minutes, across digital and branch channels. From everyday checking to complex commercial relationships, you can configure the products you need while MANTL orchestrates onboarding, KYC, and funding.
Through MANTL, financial institutions can open a wide mix of consumer deposit and business deposit accounts—and increasingly loan accounts—using a single, unified origination experience. Most banks and credit unions use MANTL to support:
- Consumer deposit accounts – checking, savings, money market, CDs, and specialty/high-yield variants.
- Business deposit accounts – small business and commercial checking, savings, MMAs, and analyzed accounts.
- Multi-account packages – opening multiple accounts in a single journey (e.g., checking + savings + MMA).
- Loan and line products – personal, small business, and other lending products where MANTL is enabled.
Your core and product catalog determine the exact SKUs; MANTL’s job is to originate them quickly, safely, and consistently across any channel.
Core Account Categories MANTL Can Power
Designing Your MANTL Account Portfolio
Think of MANTL as your product-agnostic origination layer. You decide which account types to offer; MANTL orchestrates the UX, data, and risk workflows so those products can be opened consistently across web, mobile, branch, and call center.
From Product Idea to Live Account Type in MANTL
- Clarify your goals by segment: Decide which account types you need for consumers vs. SMB vs. commercial (e.g., basic checking, high-yield savings, treasury accounts), and the roles each will play in growth.
- Map products to your core: Align each MANTL “product” configuration to a specific core code, rate table, fee schedule, and GL mapping so origination is fully synchronized.
- Define eligibility & KYC/KYB rules: Configure entity types, ownership rules, documentation requirements, sanctions checks, and risk scoring so each account type meets your compliance standards.
- Design customer & banker flows: Decide which accounts can be opened fully self-serve, which require banker assist, and what “bulk opening” experiences look like for multi-account relationships.
- Instrument funding & activation: Set up funding sources (ACH, card, internal transfer), card issuance, digital wallet provisioning, and alerts to get each account funded and in-use quickly.
- Bundle offers & journeys: Build plays that automatically pair accounts—e.g., checking + savings + credit card for consumers, or checking + MMAs for commercial relationships.
- Measure performance by account type: Track application starts, approvals, funded rate, balances, and cross-sell for each account family so you can prioritize what drives the most profitable growth.
MANTL Account Type & Origination Capability Matrix
| Capability | From (Legacy State) | To (With MANTL) | Owner | Primary KPI |
|---|---|---|---|---|
| Consumer Checking | Branch-heavy, long forms, manual review and funding. | 3–5 minute digital opening with automated KYC, instant funding, and card provisioning. | Retail Banking / Digital | Account Opens, Funded Rate, Cost per Account |
| Consumer Savings & CDs | Limited choices online; promotions managed via rate sheets only. | Configurable savings and CD catalog with promotional rates and renewal paths in a unified flow. | Product / Treasury | Deposit Growth, Promo Uptake, Retention at Renewal |
| Business Deposit Accounts | Paper-heavy onboarding, back-and-forth for documents and signatures. | Omnichannel account opening with adaptive due diligence, multi-owner signatures, and bulk account opening. | Business Banking / Commercial | Time-to-Open, Accounts per Relationship, NPS |
| Loan Origination | Separate systems for deposits and loans; no shared journeys. | Unified experience where loans and deposits can be originated in coordinated journeys. | Lending / Credit | Approval %, Booked Loans, Cross-Sell Attach Rate |
| Branch & Call Center Assist | Re-keying applications; no visibility into digital starts. | Staff pick up any in-progress application, add accounts, and complete funding without rework. | Branch Ops / Contact Center | Cycle Time, Abandonment Recovery, Staff Efficiency |
| Analytics & Optimization | Basic “accounts opened” reporting with no product-level attribution. | Funnel analytics by account type, channel, and segment with A/B testing on flows and offers. | Analytics / RevOps | Conversion by Account Type, ROMI, Deposit Mix |
Client Snapshot: Modernizing Account Opening with MANTL
A regional bank used MANTL to launch a unified catalog of consumer checking, high-yield savings, CDs, and business accounts across digital and branch channels. Within months, they saw higher completion rates, more funded accounts per relationship, and a healthier deposit mix skewed toward targeted products.
Pair that origination engine with the right growth strategy: Explore the Banking Case Study · See the Alkami + Segmint FI Growth Guide
When you understand exactly which account types MANTL can power and how they perform, you can align marketing, digital, and branch plays around funded accounts and balances—not just application starts.
Frequently Asked Questions About MANTL Account Types
Turn MANTL Account Types Into Measurable Growth
We’ll help you decide which consumer and business accounts to lead with, wire tracking to funded balances, and build programs that fill those MANTL-powered products with profitable customers.
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