How Does MANTL Affect Deposit Growth?
MANTL’s digital account opening platform removes friction from the application-to-funding journey so banks and credit unions can grow core deposits, increase funded accounts, and lower cost per acquired household. Pairing MANTL with governed revenue marketing multiplies that impact.
MANTL affects deposit growth by converting more applicants into funded accounts, faster. It streamlines digital account opening with modern UX, identity verification, and funding flows while connecting to your core. When you orchestrate revenue marketing around those journeys—targeting the right households, routing leads to the best channels, and measuring from click to funding—MANTL becomes a multiplier on new balances, products per household, and lifetime value.
Banks and credit unions using MANTL typically see improved application completion, higher funding rates, and better digital mix of deposits. The biggest gains come when you pair the platform with governed campaigns, clear offers, and analytics that tie channel spend directly to funded accounts and balance growth.
What Changes When You Add MANTL to Your Deposit Engine?
A MANTL-Enabled Deposit Growth Playbook
To fully realize MANTL’s impact on deposit growth, you need more than technology. You need a governed growth model that aligns offers, journeys, and measurement across marketing, digital, and operations.
Target → Attract → Apply → Approve → Fund → Onboard → Deepen
- Target the right households and segments. Define priority segments (mass affluent, small business, high-savings households) and match them with specific deposit offers and eligibility criteria.
- Attract with clear, compliant offers. Run campaigns around transparent rate and reward structures, with disclosures aligned to compliance and product teams, linked directly to MANTL account-opening flows.
- Streamline digital applications. Use MANTL to minimize data entry, streamline IDV/KYC, and clearly communicate requirements so that more prospects complete applications without assistance.
- Approve efficiently with risk-aware workflows. Embed risk rules and review paths so that good accounts move quickly while higher-risk cases receive appropriate scrutiny without stalling the entire funnel.
- Encourage larger and faster funding. Offer intuitive funding options (external transfer, card funding, branch funding where needed) and prompts that encourage initial deposits aligned to product goals.
- Onboard to digital engagement. Trigger welcome sequences, digital banking enrollment, alerts, and savings goals immediately after funding to lock in engagement during the first 30–90 days.
- Deepen relationships over time. Use transaction and balance signals to trigger cross-sell journeys for additional deposits, CDs, cards, and lending products, focusing on healthy household profitability.
Deposit Growth Capability Maturity Matrix with MANTL
| Capability | From (Ad Hoc) | To (MANTL-Enabled) | Owner | Primary KPI |
|---|---|---|---|---|
| Digital Account Opening | Static web forms, manual review, high abandonment | Optimized flows with real-time IDV/KYC, streamlined questions, mobile-first UX | Digital Banking | Application Completion Rate |
| Funding Experience | Limited funding options, branch handoffs | Multiple instant funding options with clear guidance and reminders | Operations | Funded Accounts %, Initial Deposit Size |
| Marketing & MANTL Integration | Clicks and form starts tracked separately | UTM and offer IDs tied from campaign to account opening to core balances | Marketing & RevOps | Cost per Funded Account, Deposit Growth per Campaign |
| Offer Strategy & Testing | One-size-fits-all offers and promos | Segmented offers (rate, bonus, term) with structured A/B testing | Product & Marketing | Funded Rate by Offer, ARPU |
| Onboarding & Cross-Sell | Generic welcome emails | Triggered onboarding journeys linked to MANTL events and behaviors | Lifecycle Marketing | Day-30/Day-90 Balance, Products per Household |
| Governance & Reporting | Disconnected channel and ops reports | Monthly deposit growth reviews by segment, channel, and offer | Finance & RevOps | Net Deposit Growth, Mix of Core vs. Rate-Only Deposits |
Client Snapshot: Turning MANTL Into a Deposit Growth Engine
A regional bank deployed MANTL to modernize consumer deposit acquisition. After aligning marketing, product, and operations around a single funded-account funnel—with shared KPIs and offer playbooks—the team saw stronger digital originations, healthier average balances, and more multi-product households. Want to see how a coordinated approach looks in practice? Explore the Banking Case Study to understand the motion from lead to funded account.
Pedowitz Group helps MANTL clients connect campaigns, journeys, and measurement so every marketing dollar can be traced to funded accounts, balance growth, and relationship depth—not just traffic or clicks.
Frequently Asked Questions About MANTL and Deposit Growth
Turn MANTL Into a Governed Deposit Growth Engine
Align offers, journeys, and data around MANTL so every campaign is measured by funded accounts, balance growth, and relationship depth—not just clicks.
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