Customer Experience
Client birthday next week-
- Clients who are celebrating a Birthday next week
I notice that your birthday is coming up. I would like to wish you an early Happy Birthday!
Personal Loan (PLOAN) Pre-Select
-Client in a Pre-Selected Personal Loan DM/email campaign.
We recently sent you information about an opportunity for an unsecured personal loan, which is a fast way to access funds when needed. How do you typically handle unexpected expenses? I’d be happy to introduce you to a Banker to share more details.
Savings CD cross-sell
-Clients with a high propensity for opening a CD account
Have you considered a BMO CD? A CD may give you a higher interest rate on your savings, with terms from 1 month to 60 months. Would you like to learn more?
Premier Client-Existing
Premier Client-Existing Premier client
Thanks for being a valued Premier Services Client! We’re here to help you achieve your goals. What goals are you working towards? Your Premier Relationship Manager would love to discuss this with you and help you maximize your benefits. Would you like me to connect you with them?
Bank at Work opportunity
-Existing Business Banking client/Bank at Work prospect
Thanks for being a valued client! We’re committed to helping you and your employees achieve your goals. One of the ways we do this is by providing tailored financial wellness resources and education, for you and your employees at no cost. When is a good time to discuss this in more detail?
Client birthday past week
- Clients that celebrated a Birthday in the past week
I notice that you just had a birthday. Happy belated Birthday!
Credit card cross-sell | Primacy
Primacy -Client needs another product for Primacy, has a high propensity for opening a credit card (has not been declined previously), AND only has a checking account
Savings Reward feature
-Consumer clients who do not have a savings account or MM account (excludes CD), and have a high propensity for opening a savings account
What short- or long-term savings goals are you planning for? The bank will reward you with cash for saving. Get $5 each month you grow your balance by $200 or more in a Savings account for up to 12 months. I'd be happy to help you open a Savings account today.
Premier Eligible Client
Premier prospect
Thanks for being a valued Private Bank Client! We’re here to help you achieve your goals. What goals are you working towards? Your Private Wealth Advisor would love to discuss this with you and help you maximize your benefits. Would you like me to connect you with them?
Business Client contact information update
Business Banking client > 45 days without a mobile number and/or email on file
We’d like to update your contact information - can you confirm your preferred email address and phone (including mobile) number?
New client welcome
- Client new to Bank in last 60 days
I see you’re a new client of ours. Welcome! Thank you for your business. If you have any questions about your accounts or banking experience, please don’t hesitate to stop in or give us a call.
Credit Card Pre-Select
Cash Back card Pre Approval
Platinum Rewards Pre Approval
Platinum
Our BMO Cash Back Credit Card now offers 5% cash back on streaming, cable TV and satellite services, and 3% cash back on gas and groceries, up to $1,500 in combined spend each calendar quarter. How does our cash back offer compare to your current credit card?
Did you know you can earn up to 2 points per $1 spent on gas and groceries with our BMO Platinum Rewards Credit Card? Plus, you can enjoy a 25,000-point welcome offer after spending $2,000 within 3 months of account opening. How does our Platinum Rewards card compare to your current credit card?
Our BMO Platinum Credit Card offers low intro purchase annual percentage rates (APRs) for the first 15 months of account opening as well as low intro balance transfer rates . How does this compare to your current credit card?
BDB nondigital existing clients
-Any Retail client who has been a client > 90 days and has not enrolled in BDB
Have you tried BMO Digital Banking yet? It’s easy to use and lets you monitor your account, pay bills, transfer money 24/7, and even check your credit health with our CreditView tool. I’m happy to show you how right now if you’d like.
Dormant BDB user
-Clients who have enrolled in BDB but never logged in, or haven’t logged into BDB in over 90 days
When was the last time you used BMO Digital Banking? It’s easy to use and lets you monitor your account, pay bills, transfer money 24/7, and even check your credit health with our CreditView tool. I’m happy to show you how right now if you’d like
Wealth/Private Bank Eligible
-Wealth/Private prospect
Thanks for being a valued Client! We’re here to help you achieve your goals. What goals are you working towards? Our Private Wealth Advisors provide advice and guidance to help you make real financial progress. I’d be happy to make an introduction – would you like me to connect you with them?
Paperless statement enrollment
-Consumer deposit and lending clients who are currently receiving paper statements
(Consumer) I see you are still receiving statements in the mail. I can help you switch to paperless statements, which has no fee. They are easy to set up in BMO Digital Banking. Do you have a minute for me to show you?
Pre-screen for a HELOC
-Clients who received a pre?screen offer for home equity line.
It looks like you have been prescreened for a Home Equity Line of Credit. Did you know you can use a Home Equity Line of Credit to consolidate debt, home improvements, or to make a major purchase? I’d be happy to have a Banker share the details with you.
Client contact information update
- Consumer Banking client > 45 days without a mobile number and/or email on file:
We’d like to update your contact information - can you confirm your preferred email address and phone (including mobile) number?
Wealth/Private Bank Client
-Existing Wealth/Private client
Thanks for being a valued Private Bank Client! We’re here to help you achieve your goals. What goals are you working towards? Your Private Wealth Advisor would love to discuss this with you and help you maximize your benefits. Would you like me to connect you with them?
Business mobile and remote deposit cross-sell
-Business clients who have a checking account and haven’t used remote deposit capture in the last 30 days
Are you familiar with our safe and secure mobile banking app? Mobile access lets you easily deposit checks, pay bills, view balances or transfer funds when you're on the go. I can help you enroll right now if you have a moment
SMS enrollment
-Retail clients with a mobile number on file
We’ve introduced text messages as a way to share exciting offers and account updates customized just for you! If you have your phone handy, I’m happy to walk you through how you can sign up.
(Employee note: Advise the client to text JOIN to 266669 to enroll)
Credit Builder pre-screen
-Clients who received a pre?screen offer for Credit Builder Loan; may be a good fit based on available credit data.
We’ve recently sent you information about strengthening your credit while building savings. How is your credit journey going? I’d be happy to introduce you to a Banker to share more details.
FDIC update SSN and address
-Personal & Business Banking clients who are missing client SSN and/or address
We are verifying our client information, and it appears we are missing some information for your account. Can you please provide your Social Security number and/or home address?
Business Client contact information update
-Business Banking client > 45 days without a mobile number and/or email on file:
We’d like to update your contact information - can you confirm your preferred email address and phone (including mobile) number?
Business Paperless statement enrollment
-Business deposit and lending clients who are currently receiving paper statements
(Business) - I see you are still receiving statements in the mail. I can help you switch to paperless statements, which has no fee. They're easy to set up in BMO Online Banking for Business or BMO Digital Banking. Do you have a minute for me to show you?