Marketing

6 Strategies for Leveraging Your Financial Literacy Program

6 Strategies for Leveraging Your Financial Literacy Program

As a trusted community advisor, banks and credit unions are a valuable resource to raise awareness and encourage financial action through financial literacy programs. Not only will financial literacy programs help your account holders make wise financial decisions and...

Holiday Promotions and Communications to Create Engagement

Holiday Promotions and Communications to Create Engagement

Whether you are ready or not, the most wonderful time of the year will be here before you know it and now is the ideal time to start your holiday marketing planning. As a gift from our team to yours, we’ve put together some holiday marketing promotions and...

How to Build a Personal Loan Offer Campaign in 6 Steps

How to Build a Personal Loan Offer Campaign in 6 Steps

Personal loans can allow your account holders to borrow money for their various needs. From paying for purchases, funding renovations, covering expenses, to consolidating debt, personal loans cover a wide range of borrowing needs which can empower people to take...

Marketing Promotions and Communications to Launch this Fall

Marketing Promotions and Communications to Launch this Fall

As summer winds down, it’s time to solidify your fall marketing plans. Brands often utilize warm colors when it comes to fall marketing and focus on time spent with family and friends in this pre-holiday season. Reminding account holders of the warmth that comes with...

How to Develop a Successful HELOC Promotion

How to Develop a Successful HELOC Promotion

With the hot housing market and home values continuing to increase, your account holders may be more ready than ever to tap into the equity they have built up in their home. Reminding your account holders to leverage their home equity can be a smart way to borrow cash...

Back-to-School Content to Share with Your Account Holders

Back-to-School Content to Share with Your Account Holders

It’s almost that time of year again … time for students to gear up to head back to school! While a new school year can be an exciting time for both students and parents, it can also be a stressful and expensive season. According to a survey by Communities in...

How to Support Your Customers with Skip a Payment Programs

How to Support Your Customers with Skip a Payment Programs

Effective customer communications can be critical to your business operations as everyone in our country tries to navigate the future. Many of your customers may continue to face financial hardships as communities are recovering and resuming normal daily activities....

How to Maximize New PPP Loan Relationships

How to Maximize New PPP Loan Relationships

Over the course of the past year, community banks and credit unions took the spotlight for dedicating countless hours to ensure the survival of communities across the nation. You seamlessly adjusted operations to best serve your communities in safe and healthy ways....

Leverage Marketing Technology to Stay Connected with Account Holders

Leverage Marketing Technology to Stay Connected with Account Holders

With the environment we still find ourselves in, bank and credit union marketers continue to face the challenges of engaging and staying connected with their customers. The average consumer is exposed to over 5,000 marketing messages a day. Financial marketers are...

Data Management Tools to Unlock Marketing Potential

Data Management Tools to Unlock Marketing Potential

Today, banks and credit unions of all sizes, both big and small, need a data management solution that provides an efficient way to access and utilize their data. The goal of data management is to empower financial institutions to optimize the use of their data (within...

How to Evaluate Marketing Success with Limited Resources

How to Evaluate Marketing Success with Limited Resources

Measuring your marketing campaigns and efforts is necessary for both optimizing processes and proving value. In order to visibly see what is effective and what isn’t, financial marketers must establish and measure key performance indicators (KPIs). This will then...

How to Leave 2020 Marketing Challenges Behind & Move Forward

How to Leave 2020 Marketing Challenges Behind & Move Forward

Throughout 2020’s challenging environment, marketing efforts have been anything but typical. Bank and credit union marketers were thrown into the spotlight and had to quickly rethink how to approach their consumers. As the role of marketing at financial institutions...

How to Re-Engage Dormant or Inactive Account Holders

How to Re-Engage Dormant or Inactive Account Holders

Studies have shown that building comprehensive onboarding programs is the best way to develop fully-engaged and profitable customers or members. However, all financial institutions will inevitably run into some issues of inactive, pre-dormant, or dormant account...

Anatomy of an Effective Product Offer Email

Anatomy of an Effective Product Offer Email

Promotional emails are an integral part of any bank or credit union’s marketing strategy. A good product offer can be a simple, yet powerful way to increase awareness of your products and services, grow loans and deposits, and improve loyalty for your financial...

How to Use Surveys to Boost Social Proof

How to Use Surveys to Boost Social Proof

Surveys are an integral part of any customer or member satisfaction program, and a critical practice for any successful financial institution. It’s the best way to identify areas for improvement and how you can continue to better your customers’ banking experiences....

Increase Fee Income with an Overdraft Opt-In Campaign

Increase Fee Income with an Overdraft Opt-In Campaign

If increasing fee revenue is a topic that’s on the table for your bank or credit union, consider building an overdraft opt-in campaign for your new and existing accounts. Non-interest income plays a big part in the overall growth and revenue a bank or credit union...

4 Ways to Build a Highly Effective Cross-Sell Program

4 Ways to Build a Highly Effective Cross-Sell Program

Working closely with our customers, we have found that it is very challenging for financial institutions to overcommunicate with their relationships - especially if they’re taking the time to send timely, targeted offers and messages that help with building...

Start Timing Your Product Offers with Local Google Search Results

Start Timing Your Product Offers with Local Google Search Results

We’ve been consulting with our customers on ways to use Google products to inform product promotions. A personal favorite of mine is Google’s Keyword Planner located in AdWords. Before we get into the post, let’s talk about the Keyword Planner a bit. Google’s Keyword...

4 Ways Financial Institutions are Building Stronger Relationships

4 Ways Financial Institutions are Building Stronger Relationships

An engaged relationship is a loyal relationship. While that seems to be a simple concept, it can be challenging to perfect the art of customer or member engagement outside of the typical emphasis on products or services. We’ve found that creating an ongoing dialogue...

How to Build an IRA Savings Account Campaign

How to Build an IRA Savings Account Campaign

Figuring out the best time to offer your IRA savings accounts and who to send your offers to can help you maximize deposit growth. Fully understanding your account holders behavior is essential to meeting your annual deposit growth goals. Here are 3 things to consider...

3 Considerations for Building a Kids Savings Account Campaign

3 Considerations for Building a Kids Savings Account Campaign

Kids savings accounts, while not always large in deposit amounts, are valuable and profitable products for bank and credit unions to offer. Not only are they an opportunity to educate young consumers on the basic fundamentals of good financial habits, but they also...

5 Things Banks and Credit Unions Can Do with Automation

5 Things Banks and Credit Unions Can Do with Automation

Banks and credit unions constantly face challenges to deliver on personalization, generate better cross-sell results, and demonstrate the value of every marketing campaign, all on a tight budget and with limited resources. Without embracing automation, this can be...

How to Grow Deposits and Promote Savings During America Saves Week

How to Grow Deposits and Promote Savings During America Saves Week

America Saves Week encourages thousands of families and individuals to save each year. As a financial institution, it’s your responsibility to motivate and lead your customers and members in understanding the importance of saving and learning the right strategies to...

Drive Branch Traffic with a Valentine’s Day Campaign

Drive Branch Traffic with a Valentine’s Day Campaign

As more and more consumers are turning towards digital means for banking, banks and credit unions need to develop strategies and find creative ways to drive traffic to their branches. Holidays like Valentine’s Day are great opportunities for customer appreciation...

3 Ways to Build a Successful Mortgage Loan Offer Campaign

3 Ways to Build a Successful Mortgage Loan Offer Campaign

Building a great mortgage campaign isn’t always about the interest rates you can offer. It is also highly dependent on the timing, message, and audience of your mortgage promotion. If you’re in need of growing loans at your bank or credit union, it’s important to...

3 Ways Financial Marketers Can Deliver on Personalization

3 Ways Financial Marketers Can Deliver on Personalization

As a financial institution marketer, you operate among a highly-competitive landscape with growing demands for digital, customer-centric experiences. So how can you effectively compete to retain and grow customers? Personalization is a growing trend among marketers...

How to Use Data to Lower Customer or Member Attrition Rates

How to Use Data to Lower Customer or Member Attrition Rates

A lot of our customers today are saying they have no idea why attrition is happening among their customers and members, and aren’t quite sure how to stop the process. Most banks and credit unions focus a substantial amount of their efforts on expanding relationships...

5 Suggestions for Boosting Ancillary Product Adoption

5 Suggestions for Boosting Ancillary Product Adoption

When collaborating with our bank and credit union customers, many of them ask: How are other banks and credit unions successfully increasing ancillary product adoption? So, in response, we’ve collected some strategies and success stories from different financial...

Increase Efficiency with an Email Capture Campaign

Increase Efficiency with an Email Capture Campaign

How to solve the problem of invalid or missing email addresses seems to be the million dollar question among financial institution marketers. What if you could solve all your email address woes with a simple annual direct mail postcard campaign? Many banks and credit...

How to Find Your Product Growth & Churn Rates

How to Find Your Product Growth & Churn Rates

Objective: In this article we will be talking about how you can figure out which products are seeing the highest rate of growth or churn over a period of time. We will explore the following topics: What fields you need to be sure are coming into Core iQ before...

5 Ways to Create Loyal Customers and Members

5 Ways to Create Loyal Customers and Members

Customer and member retention is a critical part of every financial institution’s marketing strategy. In addition to promoting competitive offers, the best way to create loyal customers and keep them around is by fostering a great customer experience. Here are 5 ways...

How to Build a Student Checking Account Promo Campaign

How to Build a Student Checking Account Promo Campaign

Since almost all banks and credit unions offer student checking accounts, it’s important to make sure your offer and the timing of your offer can help your student checking account campaigns really stand out. So, how can you build a solid student checking account...

Best Practices for Maintaining Email Address Hygiene

Best Practices for Maintaining Email Address Hygiene

Email continues to be the leading digital communication platform among banks and credit unions, which means the need for valid email addresses from your customers and members is greater than ever. With all that’s going on, it can be easy to forget why maintaining good...

6 Key Elements of Effective Postcard Design

6 Key Elements of Effective Postcard Design

Email is great when you have your customer or members’ email address. But what happens when you don’t have an email address? Do you just stop communicating altogether? Obviously not. We’ve spoken with hundreds of banks and credit unions over the years, and we’ve seen...

How to Promote Checking Account Go-With Products

How to Promote Checking Account Go-With Products

Most bank and credit union marketers understand the importance of onboarding new relationships. And the best way to promote go-with checking account products is to create and execute an onboarding communication plan. Onboarding is essential for increasing retention,...

4 Surveys Your Bank and Credit Union Should be Sending

4 Surveys Your Bank and Credit Union Should be Sending

How do you measure customer experience at your financial institution? Are you communicating regularly with your existing relationships? When and how often? Sending surveys isn’t a new practice for banks and credit unions. Regularly surveying your customers and members...

How These 4 Banks are Winning New Checking Accounts

How These 4 Banks are Winning New Checking Accounts

Capturing new checking accounts, whether from totally new relationships or from existing relationships, can be a challenge for financial institution marketers. Once you’ve conducted your initial research to determine what and when to market to set you apart from other...

3 Ways to Capture New Checking Account Relationships

3 Ways to Capture New Checking Account Relationships

Acquiring new checking account relationships can be a challenge, particularly because most people already belong to a financial institution and switching can be a hassle. With this reality, financial institution marketers need to focus on the “how” and the “when” in...

Capture New Checking Account Relationships with this Free Tool

Capture New Checking Account Relationships with this Free Tool

Since the majority of individuals don’t change who they bank with very frequently, it’s important to understand why and when someone would switch financial institutions when trying to effectively capture new checking account relationships. Other than being...

Research Your Way to a Successful Checking Account Campaign

Research Your Way to a Successful Checking Account Campaign

When it comes to checking accounts and checking account products – what is it that people care about? If you’re planning a new checking account campaign or refining your current checking account campaigns, this is an important insight to understand. Especially if you...

Why Banks and Credit Unions Should Be Sending More Promotional Emails

Why Banks and Credit Unions Should Be Sending More Promotional Emails

The purpose of email marketing is to support your customers and members throughout the entirety of their relationship with your financial institution. It’s a great tool for your general onboarding, product-specific onboarding, cross sell and up sell opportunities, and...

Sample Three Touch Auto Loan Campaign

Sample Three Touch Auto Loan Campaign

The most effective way to build an auto loan campaign is to map out a series of communications with specific content that will walk customers through the buyer cycle, resulting in new auto loan applications. Here is an example of an auto loan campaign consisting of...

How Search Trends Can Improve Your Auto Loan Campaign Results

How Search Trends Can Improve Your Auto Loan Campaign Results

Google Trends is a great tool that can help marketers understand the relative popularity of a search query over time. In other words, it’s a great way to identify hot topics, keywords, and trends to create top-converting content for your marketing campaigns. Let’s...

How to Plan an Auto Loan Campaign with Keyword Research

How to Plan an Auto Loan Campaign with Keyword Research

Creating a new auto loan campaign doesn’t have to be as complicated as it may sound. It’s important to remember that a good marketing campaign and content strategy begins with data driven research. By getting in the habit of using data to plan any new campaign, you...

How 3 Massive Banks Promote Their Auto Loans

How 3 Massive Banks Promote Their Auto Loans

Building a high-converting auto loan campaign can be tough, so it’s important to look at all of the data you can find when determining what your content and messaging strategy should be. Before we utilize what we have learned through keyword research and search...

5 Factors Small Businesses Consider When Shopping for a Bank

5 Factors Small Businesses Consider When Shopping for a Bank

What causes a small business to choose one bank over another? The easy responses are: simple and competitive pricing, low fees, relationships, etc. These elements are certainly important, but what we were most interested in determining were a few of the less obvious,...

Setting Up Automated Holiday Communications – Core iQ

Setting Up Automated Holiday Communications – Core iQ

Every time a holiday rolls around, banks and credit unions across the country take to Facebook and Twitter to send out festive greetings. We think that’s a great practice and definitely recommend it, but one question remains…How many of your customers or members are...

Holiday Content Calendar for Banks and Credit Unions

Holiday Content Calendar for Banks and Credit Unions

Communicating with your account holders on holidays is a great way to stay top of mind and strengthen the relationship. Federal holidays, specifically, are an important communication opportunity. You should always let your account holders know of any branch closings...

4 Surveys Your Bank and Credit Union Should be Sending

Ultimate Bank & Credit Union Survey Resource

When you look online, you’d think that the only thing a survey is good for is to measure customer satisfaction. That couldn’t be further from the truth and we wanted to prove it. So we’ve rolled up all of our knowledge on bank and credit union surveys into a number of...

How to Build Bank and Credit Union Surveys

How to Build Bank and Credit Union Surveys

We’ve seen a lot of great resources online that discuss all aspects of surveys, in general. However, it's a lot harder to find anything that covers the unique needs that banks and credit unions face when it comes to building and conducting surveys. So, we decided to...

Free 4th of July Designs

Free 4th of July Designs

The 4th of July is a Federal Holiday celebrating the birth of America’s independence. Spirits are high at this time, it’s mid-summer, and everyone is ready to set off some fireworks and kick back and relax enjoying the freedom this country has achieved! Since it is a...

Calculating Cost per Conversion – Core iQ

Calculating Cost per Conversion – Core iQ

We’re marketers, so we’re sending out campaigns and that is great. But at some point, someone, usually in an operational role, is going to ask how effective our communications are at driving action. In particular, how effective are we at getting people to do things...

6 Key Elements of Effective Postcard Design

How Core iQ Saves You Marketing Design Time

A lot of thought and hard work goes into every design you send to your account holders. As a designer myself, I’m all too aware of the multitude of steps and precautions that have to be considered before a communication is ready to be sent off to its final...

5 Free Memorial Day Designs

5 Free Memorial Day Designs

The last Monday in May is dedicated to those who gave their lives to protect our country and our freedom. With honor and gratitude we remember those who fought bravely this coming Memorial Day.Memorial Day is a federal holiday, meaning that financial institutions,...

Financial Literacy Month Free Resources

Financial Literacy Month Free Resources

April is upon us, and you know what that means... it’s Financial Literacy month! This nationwide initiative is a great opportunity to connect with your account holders and build relationships. One way to capitalize on this topic is by sharing helpful financial...

Should the Word “Cross-Sell” Be Used for Internal Discussions?

Should the Word “Cross-Sell” Be Used for Internal Discussions?

To cross-sell, or not to cross-sell, that is the question. After such events like the Wells Fargo incident in September 2016, the word “cross-sell” hasn’t been the same for many banks and credit unions. In fact, we’ve seen some financial institutions do away with the...

7 Google Search Tricks Every Financial Marketer Should Know

7 Google Search Tricks Every Financial Marketer Should Know

Google it. It’s become a phrase I hear and say almost every day. And even when I’m not saying it – I’m almost always doing it. Google has become the primary resource for searching just about everything, especially for my generation. We grew up with all the knowledge...

Unlock the Secret to Boosting Loyalty Among Millennials

Unlock the Secret to Boosting Loyalty Among Millennials

Celebrating your birthday wasn’t even a thing until ancient Roman times. Then came the invention of birthday cake thousands of years later during the industrial revolution and the Happy Birthday song in 1893. So there hasn’t exactly been a lot of innovation around the...

Presidents’ Day Downloadable Designs

Presidents’ Day Downloadable Designs

Each year, on the third Monday of February, the United States dedicates a day to celebrate the many great leaders this country has seen over the years. As Presidents' Day approaches this year, we couldn’t help feeling a little patriotic over here at Onovative. So, we...

5 Free Unique Valentine’s Day Designs

5 Free Unique Valentine’s Day Designs

Valentine’s Day is a great opportunity to tell those special people in your life how much they mean to you. To show how much we care about you, we designed these free downloadable designs that you can brand, share or repurpose as you see fit. We hope you’ll spread the...

8 Martin Luther King Jr. Day Shareable Designs

8 Martin Luther King Jr. Day Shareable Designs

Striving for equality and fairness for all, Martin Luther King Jr. had a great and lasting impact on American history. Once a year, on the third Monday in January, we celebrate his birthday as an American federal holiday. This year, we wanted to share in the...

Core and System Conversion Resources

Core and System Conversion Resources

A Collection of Best Practices for Communicating During Core Processing System Conversion. Learn When to Communicate Before a System Conversion Download our communication schedule & all 27 of our pre-built templates. Core Conversion Communications Resource...

Print vs Email Communications During a Core Conversion

Print vs Email Communications During a Core Conversion

Keeping account holders well informed during a core conversion is top priority. They need to know details about the conversion and how it will affect their account(s). Now, the question becomes, should you send letters, emails, or both? Letters vs. Emails Mailing a...

12 Days Of Holiday Content For All To Share

12 Days Of Holiday Content For All To Share

It’s the most wonderful time of the year, again. With the holiday season in full swing, many marketers find themselves creating an avalanche of content to share on social accounts.Take a snow day, because we’ve got you covered like a snuggie sitting next to chestnuts...

Two Communications Are Better Than One

Two Communications Are Better Than One

Choosing to use just direct mail or email for a campaign may seem like a good idea. It does cut back on expenses and still gets your message across. However, by only using one channel, you are limiting your campaign’s reach because not everyone uses or responds to a...

Create an Awesome Postcard with Photoshop in 3 Steps

Create an Awesome Postcard with Photoshop in 3 Steps

Design can be a tricky subject for any marketer, especially when it comes to creating promotional material. You basically have two options: outsource the task or put on your design hat. If you decide to give the latter a-go, this article will help you create a clean...

Branch Closures – What You Need to Communicate to your Customers

Branch Closures – What You Need to Communicate to your Customers

U.S. branch closings are increasing in record numbers according to 2013 research performed by SNL Financial. This means that the number of communications banks are having to send out are increasing as well, costing them time and money.The FDIC manages policies that...

EMV Cards – How They Affect Financial Institutions

EMV Cards – How They Affect Financial Institutions

In 2012, counterfeit charges cost financial institutions $3.4 billion and merchants $1.9 billion.1 In an effort to reduce fraud, banks and credit unions have started issuing EMV cards. If this term is new, EMV stands for Europay, Mastercard, and Visa, and it’s also...

Why Having a Mobile Banking App is Important

Why Having a Mobile Banking App is Important

Do you feel like it’s getting harder and harder to get customers or members to stop by your branch? The fact is, people are just too busy and stopping by a branch is inconvenient. However, there is one object many people carry with them at all times; and that’s their...

Can One Person Bank Marketing Teams Thrive?

Can One Person Bank Marketing Teams Thrive?

Small banks and credit unions have small teams, and in an American Banker article entitled, One-Person Bank Marketing Teams Are Destined to Fail, Kevin Tynan asked the following question: "How can one staffer be held responsible for all marketing and social media...

How to Find Your Product Growth & Churn Rates

One Amazing Google Analytics Report for Bank Marketers

As a marketer, time is our most precious resource and we're always looking for an edge. We typically need to know where best to deploy budget to bring the right eyeballs into our online offers. Google Analytics is an extremely robust tool, but sometimes it can...

Bank and Credit Union Guide to Cross-Selling on Facebook

Bank and Credit Union Guide to Cross-Selling on Facebook

How Are You Cross-Selling on Facebook? If you’ve been marketing on Facebook, then you’ve definitely been feeling the squeeze as fewer and fewer fans see your organic posts. We’re all being pushed to pay Facebook to advertise, but it’s not such a bad thing once you...

12 Credit Union & Bank Marketing Tips from Top Consultants

12 Credit Union & Bank Marketing Tips from Top Consultants

These three consultants brought the heat last week, which compelled us to feature them here in Last Week in Bank Marketing. If you only have time to read three bank marketing related articles today, then we highly recommend the following three posts. Amanda McMeans,...

Banks & Credit Unions – Bring Digital Strategy Together

Banks & Credit Unions – Bring Digital Strategy Together

Last week in bank marketing, Joe Day talked about the importance of a digital strategy in Credit Union Magazine. The take-away for bank and credit union marketers was that consumer expectations are being shaped by what are becoming everyday digital experiences. A...

Digital Innovation and Winning Every Interaction

Digital Innovation and Winning Every Interaction

Last week in Bank Marketing reminded us of a lot of things. First is that, all things being equal, most Americans would prefer to use a community-based financial institution over a large 'megabank'. However, wanting to use a community bank or credit union and...

The Future of Banking Looks to be Digital

The Future of Banking Looks to be Digital

Last week AdAge came out with an article on JPMorgan Chase and Company’s campaign to show consumers how easy their lives can be when they bank digitally. In the article, CMO for Chase Consumer Banking, Ms. Donna Vieira, referred to digital banking as “the way our...

In Search of Profitability by Customer Segment

In Search of Profitability by Customer Segment

When you think about bringing new people into your community bank or credit union, as well as cross selling existing customers and members, it’s very important to look at profitability. Serge Milman breaks this point down in one of last week’s best bank marketing...

Onboarding, Smartphones and Data

Onboarding, Smartphones and Data

There were a lot of great bank marketing posts being shared on Twitter last week. We’ve rounded up our favorites and put them together in this post. What does it take to get our attention? We generally care about stories related to any aspect of bank marketing,...

4 Main Reasons Small Businesses Switch Banks

4 Main Reasons Small Businesses Switch Banks

In our last article, we took a look at a few important factors small-businesses consider when choosing a bank partner. Speaking well to the initial concerns of the business can get you a new customer, and help boost customer loyalty. But, in order to protect and grow...

Six Tips for Keeping Your Bank’s Marketing in Compliance

Six Tips for Keeping Your Bank’s Marketing in Compliance

When it comes to advertising and marketing, banking institutions have no shortage of rules and regulations governing what they do. Aside from the Federal Trade Commission’s (FTC) exhaustive list of guidelines that apply to all businesses, banks must consider numerous...

Will People Use Bank Products Offered By The Postal Service?

Will People Use Bank Products Offered By The Postal Service?

We asked 500 consumers if they would use the US Post Office for banking related services if they offered them. The results were not surprising. Over 75% said they wouldn’t. In fact, when we looked at income levels of the respondents we found that the lower the income...

45% Say They Would Leave A Bank That Had Mobile Banking Fees

45% Say They Would Leave A Bank That Had Mobile Banking Fees

Should banks and credit unions be charging fees for use of mobile banking? Many institutions are considering their options to bring in more revenue from their service offerings. Mobile banking has been discussed as a possible option to increase revenue. In our latest...

46% of Consumers May Not Use Debit Card Post Target Breach

46% of Consumers May Not Use Debit Card Post Target Breach

In our most recent survey of bank and credit union customers, we wanted to gauge the current comfort level of debit card use, in light of the recent large-scale breach of consumer information at Target locations across the country. The survey was conducted...

Wealthiest Customers Rate Mobile Banking Quality the Lowest

Wealthiest Customers Rate Mobile Banking Quality the Lowest

According to our most recent survey of more than 1000 customers of banks and credit unions, customers earning more than $75,000 per year are significantly less satisfied with the quality of the mobile banking app provided by their financial institution than those...

27% of Smartphone Owners Use a Mobile Banking App

27% of Smartphone Owners Use a Mobile Banking App

According to our most recent survey of more than 1,400 customers of banks and credit unions, only 15% of customers use their bank’s SmartPhone app to access their account. Customers between the age of 25 and 34 were most likely to use their bank’s mobile app with a...