• Why high-yield checking -- and it's unique Cost Of Funds discount -- is the best strategy to reduce fragility in a deposit portfolio.
  
• How community financial institutions are using high-yield checking and savings accounts to reduce Cost Of Funds, build customer engagement, and create long-lasting relationships.
  
• The tools you need to get real deposits, real margin, and real engagement. 

High-yield CDs bring in deposit dollars, but they also come with a near-unsustainable cost of funds, high attrition, rate shoppers, ongoing liquidity struggles, constant repricing, and more. 

It's a new approach to retail checking and savings to help you avoid phantom growth and start creating real growth.

• Changing the math: Increasing deposits and growing at a lower Cost Of Funds.
• Perfecting the offer: Going to market in a proven way that drives results.
• Managing the surprises: Optimizing program performance through regular analysis and consultation.