Bank Marketing Agency for Community Banks

Bank marketing has a few steady goals. You want low-cost core deposits, primary checking relationships with direct deposit, and loan growth in the products you want to book. Rate cycles change the mix. When rates rise, CD and money market campaigns matter more. When they fall, lending and home equity come forward.

Credit unions add their own twist. Membership depends on your field of membership, so messages have to explain who can join and why it is worth it. Banks focused on business customers need treasury services and small business accounts in the plan.

Younger customers often open accounts on a phone without ever visiting a branch. Older customers still value the branch. A good plan serves both without confusing either.

Bank ads face more rules than most. Banks generally must include the FDIC official advertising statement, such as Member FDIC, with some exceptions. Federally insured credit unions use the NCUA insurance statement. If you advertise a deposit rate, Regulation DD requires it to be stated as an annual percentage yield, with added disclosures such as minimum balance and fees.

Credit ads fall under Regulation Z. Certain trigger terms, such as a payment amount or down payment, require more disclosures, including the APR. Mortgage and home equity ads need the Equal Housing Lender notice where it applies. All ads must avoid unfair, deceptive or abusive practices.

Ad platforms add their own limits. Google restricts personalized targeting for credit ads in the US, including by age, gender and ZIP code. Meta requires a special ad category for credit offers such as loans and cards, with similar limits. Your compliance officer approves every ad, and we keep a dated log for exams.

Step 1: We meet with marketing, product and compliance to agree on goals, products and review steps. Step 2: We audit your site, branch listings, ad accounts and tracking. Step 3: We build campaigns by product and submit copy for compliance review. Step 4: We launch and report monthly on applications, funded accounts, balances and cost per funded account, using data from your core or account opening system.

Compliance review adds time, so we build it into the schedule rather than rushing it. Rate changes can happen quickly. We prepare ad and page templates so new rates can be approved and published fast.