Checking Account
Your client mentions they just started a new job.
Mr./Mrs. Client that is fantastic! Have you thought about how you would like to receive your paycheck? With our Anytime Checking account, you can set up direct deposit with your employer which is great for you because you save time from coming to the bank to cash your check. Is this something you would be interested in?
I just started my first job.
Mr./Mrs. Client that is exciting! Now that you have started your first job have you thought about opening a savings account? A savings account is beneficial for learning to save because it is a separate account from your checking which is perfect for you because you can set aside money from your checks. Is this something you would be interested in?
You notice your client accepts credit cards.
Mr./Mrs. Client I noticed you were using Square for accepting credit cards. Have you taken the time to meet with Julia our MS rep to see if we can save you money? Julia offers a no obligation consultation and comparison which is great for you because you could potentially save money. Would you like me to have her contact you?
I'm looking to purchase a car soon.
Mr./Mrs Client that is exciting. Have you thought about how you will finance the purchase? We have auto financing with competitive rates and terms which is perfect for you because it can be used to meet your needs. Do you have time to talk with Sali/Sarah about it?
Your client mentions they want help with budgeting.
Mr./Mrs. Client budgeting can be different to get used to at first. Have you considered opening a second account for bills? This could be a perfect solution for your budgeting because you can split your deposits to cover your bills in one account and the remaining in a separate account. Is this something you would be interested in?
I don't have an account for an emergency fund.
Mr./Mrs. Client a savings account could be a great solution to building up some money for an emergency fund. You could set up automatic transfers from your checking to build up funds for an emergency which is great for you because it will give you peace of mind if something were to come up. Is this something you would be interested in?
You notice your client comes in with multiple check deposits.
Mr./Mrs. Client I noticed you typically have a lot of checks to deposit. Did you know we offer a service to extend your banking business day? Our Remote Deposit service enables you to deposit checks from your office which is perfect for you because it saves you time to complete your deposits. Is this something you would be interested in?
I am taking a vacation this summer to Italy. I have been saving money.
Mr./Mrs. Client that will be a wonderful trip! Have you considered how you will make purchases while you are there? Our credit cards offer cash back or rewards which is great for you because you can earn cash or rewards back on purchases made over your trip. It also adds a layer of protection for fraudulent purchases with Visa's 0% liability on fraud. Is this something you would be interested in?
A client comes in and wants information about checking accounts. Through your conversation they mention they keep over $10,000 in deposits.
Mr./Mrs. Client the Premium Interest Checking would be a good fit for you because you are able to earn an annual percentage yield on the funds you keep and take advantage of exclusive benefits which is great for you because it could add value to your relationship with NSB. Is this something you would be interested in?
You notice your client keeps over $1000 in their savings account.
Mr./Mrs. Client I noticed you traditionally keep (X amount) in your savings account. Have you considered opening a Money Market? A Money Market account earns a higher annual percentage yield than a savings account which is great for you because you earn more interest on the money you keep. Is this something you would be interested in?
You notice your client writes multiple checks for payroll.
Mr./Mrs. Client I noticed you write checks for your employees payroll. Have you met with Kevin our Paychex representative? Paychex is a resource to our clients to help with payroll and liabilities which is great for you because it can help protect your business from liabilities and streamline your payroll. Is this something you would be interested in?
I have too many outstanding loans.
Mr./Mrs. Client that can be tough to manage while paying down debt. We offer loans for debt consolidation into one payment with one interest rate which would be great for you to help save money while you pay down debt. Is this something you would be interested in? Do you have time to talk with Sali/Sarah?
A non-client consistently cashes their paycheck at the branch.
Mr./Mrs. Client have you considered opening a checking account with us? By having a checking account you wouldn't get charged the fee which is great for you because it helps you save money. It is also convenient with having direct deposit so you get your money quicker. Is this something you would be interested in?
You notice your client has at least $1000 balance or more in their savings account. They don't touch the money at all.
Mr./Mrs. Client I noticed you have money set aside in a savings account. I am happy we have been able to help you save money in an account. Have you ever talked with someone about our CDs? A CD offers a higher annual percentage yield which is great for you because you can earn more interest with your money. Is this something you would like to know more about?
You notice your client writes several checks a month.
Mr./Mrs. Client I noticed you write quite a few checks each month. With fraud on the rise, we offer a system to help protect the checks you write from being used fraudulently. Positive Pay provides an extra layer of security for your business which is great for you because it gives you peace of mind. Is this something you would like to know more about?
I had an unexpected expense come up.
Mr./Mrs. Client it can be difficult when something unexpected comes up. Have you considered a personal loan to help with the cost of the expense? A personal loan can help cover costs which is great for you because it helps structure the expense in a better way. Do you have time to meet with Sali/Sarah to discuss this option further?
A client is concerned about overdrawing their account. They have no need for bill pay or writing checks.
Mr./Mrs. Client it is understandable to now want to overdraw your account. Have you talked with someone about our OnBudget checking account. With this account it isn't able to be overdrawn which is great for you because it will help give you peace of mind of your account going into the negative. Is this something you would be interested in?
You notice your client keeps an excess of $150,000 in their accounts with us.
Mr./Mrs. Client I see you keep a large balance in your accounts. Have you met with our Financial Advisor to discuss your portfolio? (Insert FA name here) is well versed in financial planning and offers free no obligation consultations which is great for you because you can know if your money is being maximized to its full potential. Is this something you would be interested in?
You notice your client has come into the branch to send out wires a few times.
Mr./Mrs. Client I noticed you have been having more wire activity lately. We offer a solution to our clients for them to be able to do wires from their online banking. With TIB for wires, our clients save time and money from not having to come into the bank to initiate their wires. Is this something you would be interested in?
I am planning on some remodeling this summer.
Mr./Mrs. Client how exciting! It is a great feeling to upgrade your home. Have you thought about how you are going to cover the costs? We offer Home Equity Credit Lines with revolving credit for 10 years which is great for you because it can help you fund the renovations without using all of your cash. Do you have time to talk with Sali/Sarah to discuss the details?