How Does MANTL Handle Account Funding Options?
MANTL is built to turn approved applications into funded, active accounts by orchestrating card, ACH, and internal-transfer funding in one guided experience. Banks and credit unions use it to reduce funding drop-off, respect risk rules, and measure marketing by funded accounts and balances instead of clicks alone.
MANTL handles account funding with a single, configurable workflow that sits between approval and first use. After identity and risk checks, applicants are guided through funding choices—such as debit card, ACH from an external bank, or internal transfer from an existing relationship—inside a secure, responsive interface. Institutions define limits, holds, fraud and AML rules, and whether funding is required to open or simply to activate. Abandonment at the funding step is tracked, so marketing, digital, and operations teams can optimize against funded rate, time-to-first-funding, and early balance growth.
What Changes When Funding Is Orchestrated Through MANTL?
The MANTL Funding Experience, Step by Step
Use this blueprint to align digital account opening, risk, and marketing around one shared goal: more fully funded accounts with less friction and fraud loss.
Pre-Approval → Funding Choice → Risk Checks → Posting & Holds → Activation → Ongoing Deposits
- Clarify funding policies by product and segment. Decide which products require funding at account opening vs. post-open deposits, and define minimums, maximums, and preferred rails for each customer type.
- Expose the right funding options in the right order. Configure MANTL to show card, ACH, and internal transfers based on device, eligibility, and risk appetite, with plain-language explanations of timing and holds.
- Run risk and fraud checks without breaking the flow. Use KYC/AML signals, device and behavioral data, and velocity checks to step up verification only where needed, instead of treating every applicant like a high-risk case.
- Post funds and apply holds consistently. Align MANTL with your core system’s posting rules, availability schedules, and dispute processes so frontline teams and customers hear the same answer about when funds are usable.
- Trigger activation and onboarding once funded. Use funding as a trigger for digital card provisioning, direct deposit setup, alerts, and cross-sell journeys so new accounts quickly become primary relationships.
- Capture and work funding abandonment. When funding is skipped or abandoned, send tasks to branch or contact center and launch rescue journeys with reminders, explanations, or alternate rails.
- Measure from campaign to funded and active. Tie marketing and partner campaigns to funded accounts, balances at 30/60/90 days, and activation metrics, so budget flows to programs that create core deposits and usage.
Account Funding Maturity Matrix for MANTL Implementations
| Capability | From (Ad Hoc) | To (Operationalized with MANTL) | Owner | Primary KPI |
|---|---|---|---|---|
| Funding Experience | Separate funding emails and microsites with high drop-off | Funding embedded in the account-opening flow with clear options and progress | Digital Banking / CX | Application→Funded Conversion |
| Payment Rails | One preferred rail; others handled manually | Card, ACH, and internal transfers orchestrated under consistent limits and rules | Operations / Risk | Funding Completion Rate by Rail |
| Risk & Holds | Static holds that frustrate low-risk customers | Risk-based limits and holds tuned by product, rail, and segment | Risk / Compliance | Fraud Loss vs. Funded Growth |
| Abandonment Management | Little insight into where funding fails | Drop-off analytics with targeted reminders and outreach plays | Marketing / RevOps | Recovered Applications, Net Funded Accounts |
| Data & Attribution | Reports end at “approved” or “opened” | Dashboards that connect campaigns to funded accounts and balances | Analytics / Finance | Cost per Funded Account, 90-Day Balance |
| Onboarding & Cross-Sell | Generic welcome emails | Funding-triggered onboarding and cross-sell journeys by product and persona | Lifecycle Marketing | Activation Rate, Products per Household |
Client Snapshot: Turning Approvals into Funded, Primary Accounts
A regional bank using MANTL saw strong digital application volume but uneven funding. By clarifying funding policies, prioritizing card and internal transfers in the UI, and launching funding rescue journeys, they increased the share of approved accounts that funded on day one and grew balances at 60–90 days. To see how marketing supports funded-account growth: Explore the Banking Case Study.
Use MANTL’s funding workflows alongside governed revenue marketing to connect campaigns, approvals, funded accounts, and balance growth in a single view your leadership team can act on.
Frequently Asked Questions about MANTL and Account Funding
Connect MANTL Funding to Revenue Marketing Outcomes
We’ll help you align digital account opening, funding policies, and marketing so more approved applicants become funded, primary relationships that grow balances over time.
Explore the Banking Case Study Get your growth audit