SOCIAL ENGINEERING NETWORK MONITORING BY COMMUNITY BANKERS FORCOMMUNITY BANKS CivITas Bank Solutions was born from the needs voiced by community banks for affordable real-world technology and information security solutions. Anne Benigsen President David Philippi VP - Business Development Chris Tuzeneu VP – Information Security PENETRATION TESTING VULNERABILITY SCANS info@acivitas.com www.acivitas.com dues collection and detailed financial reporting tools. Healthcare providers could use secure patient billing and payment processing systems. 2. Institute conditional or incentivized deposit programs. Implement policies that require businesses to maintain deposit accounts, including their primary operating account, as a condition for securing a loan. This not only enhances liquidity, but also fosters a deeper relationship with those commercial business customers. Another option is incentivized deposit programs that may include bundled services to offer fee reduction perks or a limited-time deal on an earnings credit rate (ECR), for example. 3. Increase operating account support. Encourage business customers to grow their deposit accounts by providing services, tools and personalized support. Offering cash management services can help businesses manage their cash flow, forecast expenses and plan for growth. Assign dedicated relationship managers to provide personalized support and help businesses optimize their financial strategies. Growing deposits in a competitive and ever-changing market requires a blend of innovative technology, customer-focused strategies and personalized support. By implementing multiple strategies, community banks can effectively attract and retain both consumer and commercial deposits. To continue this discussion or for more information, please contact Matt Helsing at pcbb.com or email mhelsing@pcbb.com. Dedicated to serving the needs of community banks, PCBB’s comprehensive and robust set of solutions includes cash management services such as Settlement and Liquidity for the FedNow® Service, international services, lending solutions and risk management advisory services. NEBRASKA INDEPENDENT BANKER 21
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