Deposit Growth Engine
Customers who feel protected stay longer and bring more business.
One platform that grows deposits, deepens engagement, reveals share of wallet, and brings the whole family into your institution.
Grow and retain deposits. Deepen relationships.
Relationship Retention
Meaningful touchpoints all year build deeper trust, stronger loyalty, and relationships that last.
Embedded Marketing Platform
Deliver relevant offers and next-best-product recommendations in an experience customers trust.
Share of Wallet Visibility
Move from guessing to knowing, with greater visibility into outside financial relationships.
Family Growth Engine
Every membership covers the account holder plus a loved one, engaging the whole family.
In the Numbers
When customers feel safer, deposits grow.
The Study
When customers feel safer, they engage more deeply with their financial institution. They connect accounts, consolidate balances, involve family members, and remain loyal during life’s most important transitions.
In a cross-partner analysis of Carefull users across financial institutions, deposit balances increased consistently over 3-, 6-, and 12-month periods. Among medium and large institutions, Carefull users demonstrated meaningful balance growth within months of enrollment.
Study Highlights
- 7%–8.6% average deposit growth after 3 months among medium and large institutions
- 6.3%–12% average deposit growth after 6 months among medium and large institutions
- Deposit growth increased over time across all institutions studied
- The average 12-month deposit growth rate across the full study reached 66%
Why it works
Carefull creates ongoing engagement that extends beyond traditional banking interactions. Customers connect their financial lives, monitor for threats, involve trusted family members, and build stronger relationships with the institution helping protect them.
Stronger relationships, increased engagement, and meaningful opportunities for deposit growth over time.
Figures reflect Carefull’s own cross-partner analysis of enrolled users; results vary by institution.
Relationship Retention
Customers who rely on you for protection are more likely to stay.
Most banking relationships are invisible until a customer needs something. Carefull creates meaningful touchpoints throughout the year through alerts, insights, educational content, and family engagement.
How it works
Become a trusted partner, not just a place to hold money
By helping customers navigate scams, fraud, financial caregiving, and aging-related challenges, institutions become a trusted partner in protecting financial wellbeing — and customers become significantly less likely to leave.
In a retention analysis conducted by a Carefull financial institution partner, customers using Carefull experienced an annual attrition rate of just 0.5%, compared to 8.5% among the institution’s broader customer base.
Embedded Marketing Platform
A marketing channel customers actually engage with.
Most financial institution messages compete in crowded inboxes and are quickly ignored. Carefull delivers relevant information at relevant moments — timely, personalized, and genuinely useful — so customers pay attention.
How it works
Turn engagement into growth opportunities
Carefull users consistently open more than 70% of Carefull emails, creating a highly engaged audience and a trusted channel for financial institutions.
- Upsell relevant products and services
- Cross-sell relevant products and services
- Introduce offerings to family members connected through Carefull
- Reinforce the institution’s value throughout the year
Share of Wallet Visibility
You can’t grow what you can’t see.
Most financial institutions only have visibility into the accounts they hold. As a result, significant deposits, investments, loans, and financial relationships often remain hidden at competing institutions.
How it works
Reveal opportunities hiding in plain sight
Carefull encourages customers to connect their full financial lives — and the more they connect, the more they are protected. On average, Carefull users connect 5.3 financial accounts.
Rather than guessing where wallet share exists, institutions gain a clearer picture of the relationships and balances they have the opportunity to win.
Family Growth Engine
One membership. Two relationships.
Most financial institutions spend significant resources acquiring new households. Carefull helps expand relationships organically by extending protection beyond the primary account holder.
How it works
Turn customer protection into family engagement
Every Carefull membership protects the account holder and one additional adult — a spouse, aging parent, adult child, sibling, or other loved one. That second member receives a co-branded experience connected to your institution, building trust long before a new account is ever opened.
- Extend protection beyond the primary account holder
- Engage spouses, parents, adult children, and caregivers
- Introduce non-customers to your institution’s brand
- Create opportunities for future household acquisition
- Strengthen multigenerational relationships
“Carefull allows Synovus and our clients to stay ahead of fraud and reinforces our commitment to delivering value for our clients.”
–Liz Wolverton, EVP Consumer Banking and Brand Experience, Synovus
Customers who feel protected stay longer and bring more business.
One platform that grows deposits, deepens engagement, reveals share of wallet, and brings the whole family into your institution.
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