6 tips for outsmarting (almost) Google.

Okay, maybe it’s truly not possible to outsmart Google. But, it’s certainly worth a try, isn’t it?

It was back in May when we talked about the importance of Search Engine Optimization (SEO)… “SEO. A cure for the invisible website,” and delved – broadly – into the various optimization tactics that you, as a bank marketer, can utilize to make your website more effective, more productive, and yes, more Google friendly.

Without a doubt, SEO remains a cornerstone of digital marketing and online visibility; a series of strategies and practices aimed at optimizing web content for both users and search engines. As a result, SEO is vital for any enterprise, as it directly impacts their online presence, as well as their ability to both retain and attract potential customers.

As we touched upon back in May, we live in an ever-evolving digital landscape where top search engines like Google and Bing are continuously evaluating and ranking our site content. Your goal as a community bank marketer? Ensure that, in a changing online environment, your bank's content continues to align with what users are searching for and, most importantly, delivers a valuable and relevant experience. When done correctly, SEO can boost your bank's visibility in search engine results, drive more traffic to your website, and ultimately convert visitors into customers, generating revenue for your institution. Remember, your website is not a “set it and forget it” marketing tactic.

Today we’ll take a closer look at an optimization tactic that is, believe it or not, both effective and straightforward to implement: Keywords.

Keywords are Key

For starters, keywords are the foundation of SEO, and one of the most effective strategies for optimizing your site's visibility and search engine ranking. In a nutshell, keywords are those high-volume, high-competition search terms you should aim to utilize in your content, with the goal of enhancing your site’s ranking on SERPs (Search Engine Results Pages). So, how do you get the most mileage possible out of keyword optimization?

Step 1: Keyword Research

The first and most critical step in keyword optimization is keyword research. This process involves identifying the keywords and phrases that your target audience is likely to use when searching for financial services, banking products, or information related to your bank. Proper keyword research provides valuable insights into the language your potential customers use and the topics they are interested in. Here's how to conduct effective keyword research:

Identify Your Target Audience: Understanding your audience is key. Consider the demographics, interests, and needs of your potential customers. What financial services are they looking for, and what questions might they have?

Generate Keyword Ideas: Get your team together and brainstorm the words and phrases potential customers might enter into a search engine to find your bank; the words and phrases that are relevant to your services and the needs of your local audience. For instance, if your bank is located in Harrisburg, PA, and offers various types of loans, consider keywords such as "loans Harrisburg" or more specific “long-tail” keywords like "pre-approved auto loans Harrisburg." Incorporate these keywords into your website's content to improve its relevance and visibility. Avoid keyword stuffing – the excessive use of a keyword or keyword phrase – as search engine algorithms can detect excessive keyword usage and penalize your site.

Use Keyword Research Tools: There are various keyword research tools available, such as Google Keyword Planner, SEMrush, and Ahrefs. These tools can provide data on keyword search volume, competition, and related terms.

Analyze Competitor Keywords: Examine the keywords that your competitors are targeting. This can offer insights into successful keyword strategies in your industry.

Prioritize Keywords: Once you've gathered a list of potential keywords, prioritize them based on search volume, competition, and relevance to your bank's services using some of the aforementioned research tools. Focus on keywords that strike a balance between search volume and competition.

Step 2: On-Page Keyword Optimization

Once you've identified the most relevant and valuable keywords for your bank's website, it's time to optimize your site's content. On-page keyword optimization involves incorporating these keywords into various elements of your site pages to improve their ranking on SERPs. Here are key areas to focus on:

Title Tags: Title tags are the clickable headlines that appear in search engine results. Include your target keywords in these tags to signal their relevance to search engines and users.

Meta Descriptions: Meta descriptions provide a brief summary of your web pages in search results. While not a direct ranking factor, a compelling meta description with relevant keywords can attract clicks and boost your click-through rate.

Header Tags: Use header tags (H1, H2, H3, etc.) to structure your content. Incorporate keywords into headings to make your content more accessible and SEO-friendly.

Content: Create high-quality, informative, and engaging content that incorporates your target keywords naturally. Do this on a regular basis and remember to avoid keyword stuffing, which can harm your SEO efforts. Instead, focus on providing value to your audience.

URLs: Customize URLs to include relevant keywords. For example, if you have a page about personal loans, the URL could be structured as "www.yourbank.com/personal-loans."

Image Alt Text: Alt text helps visually impaired people understand what the image shows, helps search engine bots understand image contents, and appears on a page when the image fails to load. When using images on your website, include descriptive alt text that contains keywords. This helps search engines understand the content of the images.

Step 3: Content Creation and Optimization

Content is a critical component of your website's SEO strategy. It's where keywords truly provide value to your audience. Here's how to create and optimize content effectively:

High-Quality Content: Focus on creating informative, well-researched, and engaging content that addresses the financial needs and questions of your local community. 

Regular Updates: Fresh content signals to search engines that your website is active and relevant. Update your blog, news section, or other content areas with new information and insights on a regular basis.

User Experience: Avoid large blocks of text. Use subheadings, bullet points, and images to improve your user’s experience.

Step 4: Local SEO and Location-Based Keywords

For community banks and smaller financial institutions, local SEO is vital. Optimize your website for location-based keywords to connect with local customers. Here's how:

Google My Business: Claim and optimize your Google My Business listing, ensuring that your bank's information is accurate and up-to-date.

Local Keywords and Content: Again, as a community bank, it’s important to Incorporate location-specific keywords, such as "bank in [your city]" or "credit union near [your location]." Create content that is relevant to your neighbors, such as articles about financial trends, tools, education, as well as community events.

Customer Reviews: Encourage satisfied customers to leave positive reviews on Google and other review platforms. Positive reviews can boost your local SEO.

Step 5: Monitoring and Analytics

Keyword optimization is an ongoing process. To ensure that your bank's site continues to perform well, regularly monitor your keyword rankings and website analytics. Tools like Google Analytics and Search Console can provide valuable data on your website's performance, keyword rankings, and user behavior. Use this data to make informed adjustments to your SEO strategy.

Step 6: Mobile Optimization

In an increasingly mobile-centric world, it's crucial to ensure that your website is mobile-friendly. Mobile optimization not only enhances the user experience but also aligns with search engine preferences. Google, for example, prioritizes mobile-friendly websites in its search results. Make sure your website is responsive and loads quickly on mobile devices.

What next?

Keyword optimization is a fundamental aspect of SEO that can significantly enhance your bank's online presence and attract potential customers. By conducting thorough keyword research, implementing on-page optimization techniques, creating high-quality content, and focusing on local SEO, you can position your bank for success. Regular monitoring and mobile optimization will ensure that your website remains relevant to your local audience, competitive and continues to rank well in SERPs. Embracing these practices will help your bank thrive in our online age, and connect with customers seeking your products and services.

About Bank Marketing Center 

Here at bankmarketingcenter.com – one of the industry’s most well-regarded providers of professionally-designed marketing materials to local banks – our goal is to help you with that topical, compelling communication with customers that will help you build trust, relationships, and revenue.  Now, through our partnership with ChatGPT, creating your own custom content is even faster and easier. With the addition of AI-assisted content development, our clients can very quickly generate articles they need for newsletters and blogs and any other content they might need in their marketing efforts.

To view our marketing creative, both print and digital – ranging from product and brand ads to social media and in branch signage – visit bankmarketingcenter.com.  You can also contact me directly by phone at 678-528-6688 or via email at nreynolds@bankmarketingcenter.com. As always, I welcome your thoughts.

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Don’t wait for a crisis.

It doesn’t take much to squander good will, does it? It wasn’t long ago, remember(?) when the banking industry’s reputation was riding high, buoyed unfortunately, by a global pandemic. That rise in the industry’s rep was well documented in an American Banker article dated August 2020, “How regional banks edged out larger rivals in reputation rankings,” along with the importance of timely, relevant marketing messaging, as summed up in the chart below:

Back then, we talked – in our blog, Banker Action Figures? You Never Know…” – about how bankers should perhaps be immortalized as action figures, so admired were they for the good work they were doing for customers who were struggling financially and looking for someone (or something, in the case of their local bank) to turn to. 

The recent RepTrak survey – just made public a few days ago – tells a much different story. According to American Banker’s, “Banking crisis drags down reputations across the industry,” “the public perception of banks took a hit this year after a string of bank failures forced many customers to take a hard look at their financial service providers. The industry saw its biggest decline in sentiment since 2018, according to American Banker's annual reputation survey, with regional banks accounting for the bulk of this deterioration”. The findings are a powerful reminder that a bank’s reputation is highly vulnerable.

What happened? We know that the failure of Silicon Valley Bank, Signature Bank, and First Republic didn’t help banks, no matter their size, in terms of brand image. Back in May, we talked about how those failures could, in fact, have a silver lining for smaller banks. Rebecca Romero Rainey, CEO of the Independent Community Bankers of America, said at the time, “the failure of these institutions presents an opportunity for community bankers, who are ready, willing and able to answer questions about the latest developments at larger financial institutions.” 

Well, in this ever-evolving, financial industry landscape, just about anything can happen. And in this case, that “anything” was a host of bank failures. That’s why trust and reliability are paramount… all the time. Bank marketers must recognize the profound importance of building and maintaining a positive brand image. This is, of course, especially critical during times when customers rely on you the most; such as uncertain economic times, bank failures, or global pandemics. But, you can’t wait until that happens.

It’s pretty much a known fact that it’s five to seven times more costly to acquire a customer than it is to keep one. A significant factor in the difference in cost is that consumers tend to buy from brands they trust. This is why it takes a lot more effort to convert a new customer than to keep a loyal one. A robust brand image not only safeguards a bank's reputation, but also plays a pivotal role in shaping customer loyalty, attracting new business, and ensuring the institution's long-term success. According to Forbes, “statistics show an increase in customer retention by 5% can lead to a company’s profits growing by 25% to around 95% over a period of time.”  

So, yes, you want to keep your existing customers. But, there’s no reason why you can’t do both; keep existing customers and attract new ones. A sterling brand image extends beyond retaining existing customers; it also acts as a magnet for new ones. During those moments we talked about above, people are often prompted to explore alternative financial institutions that they believe are more reliable, trustworthy and customer-centric. Those banks that have built and maintained a strong brand image will stand out during those moments. And that’s what you want your bank to do… stand out.

Use your social platforms

Social platforms are ideal for this type of “brand maintenance.” What are some of the topics you might want to address in your messaging in order to maintain that “robust” brand? Use the “80/20 rule” when posting: Since social media seldom drives the purchase of banking related services, 80% of posts should be fun, entertaining or useful to your audience, and only 20% of content should be related to a financial product or service of some kind. Here are just a few suggestions:

  • Money management “tips and tricks”
  • Customer testimonials
  • Community events you attend and/or support
  • Staff stories:  anniversaries, promotions, etc.
  • Funny, inspirational quotes/memes
  • Product/service info/updates/promotion
  • Success stories

So, in short, don’t wait for a crisis.

Trust, reliability, and a commitment to both personal relationships and ethical practices are the bedrock of a bank's brand image. These qualities are, of course, invaluable during economic crises, global pandemics, or personal financial emergencies. But don’t wait for a crisis to make your brand top of mind. This is an on-going process, and with the use of social media platforms, a relatively inexpensive and easy-to-implement one, as well.

About Bank Marketing Center 

Here at bankmarketingcenter.com, our goal is to help you with that topical, compelling communication with customers; the messaging — developed by banking industry marketing professionals, well trained in the thinking behind effective marketing communication — that will help you build trust, relationships, and revenue. 

To view our marketing creative, both print and digital – ranging from product and brand ads to social media and in branch signage – visit bankmarketingcenter.com.  You can also contact me directly by phone at 678-528-6688 or via email at nreynolds@bankmarketingcenter.com. As always, I welcome your thoughts.

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Geofencing. A marketing tool whose time has come.

Geofencing, a location-based marketing strategy, is emerging as a powerful tool that not only connects you with your customers but also enhances their overall experience of your brand, products and services. And while geofencing has actually been around since the early 1990’s, the popularity of smartphones and mobile devices has now made it an incredibly valuable marketing tool for businesses… like your community bank.

Geofencing offers a world of possibilities. Unbelievable as it sounds, geofencing can even enable you to build a “fence” around another bank. When a prospect is inside that fence, they can receive a notification that you offer credit cards with the lowest interest rates in the area. Let’s take a deeper look at the benefits of geofencing and how your community bank can put it to good use.

How does it work?

Geofencing uses IP addresses, Global Positioning System (GPS), Radio Frequency Identification (RFID), Wi-Fi, or cellular data in order to define “virtual boundaries” around physical locations. These virtual perimeters allow marketers to send targeted messages, notifications, and offers to users' devices when they enter, exit, or dwell within that predefined, “fenced” area. Think of it as literally connecting the online and offline worlds, enabling businesses to deliver timely and relevant content to consumers based on their physical location.  (Image below courtesy of Propellant Media)



Personalization Redefined

One of the most significant advantages of geofencing lies in its ability to deliver hyper-personalized content to consumers. By leveraging its ability to collect personal data, you can tailor your messages to match a potential consumers' immediate surroundings and preferences. With it, you now have insights into the demographics of the local population, including what kind of offers, or news, might interest them. For instance, say Valentine’s Day is just around the corner. Using geofencing, you can build a geofence around your ATMs, then send a push notification reminding your target audience that should they decide to make a Valentine’s Day purchase, there’s an ATM conveniently located in their area, (maybe even “within a short walk from where you are right now!). Another example? Build a geofence around area car dealerships if you are looking to make auto loans.  

This personalized approach not only boosts the chances of engagement but also enhances the customer's perception of your bank’s brand. According to a study conducted by SmarterHQ, 72% of consumers admitted to only engaging with marketing messages that are personalized to their interests. Geofencing takes personalization a step further by aligning messages with consumers' physical location, making the content even more relevant and appealing.

Enhancing Customer Engagement and Loyalty 

Geofencing enables you to engage your customers at the right place, at the right time, and with the right message. By offering location-specific promotions, recommendations, or event notifications, your bank can foster an even deeper connection with your customers, building greater trust and with it, loyalty. You see, not all of your messages need to be intended to sell products. For instance, you can target attendees at a local community event – such as a breast cancer fundraiser – and reach out to them with a message that says you appreciate their support and that your bank is a supporter, too.

Furthermore, geofencing can be integrated with loyalty programs. When customers receive rewards or incentives upon entering one of your retail branches within a geofenced area, they are more likely to return. This combination of personalization, immediate gratification, and incentives contributes to higher customer retention rates and long-term loyalty.

Real-Time Analytics and Data Insights

In addition to its customer-facing benefits, geofencing provides valuable data insights and analytics. Knowing just what brought a new customer can be hard to measure. What brought that customer into your branch? If you don’t have the chance to survey every customer who walks through your door – and you probably don’t – it can be difficult to connect an in-branch visit to your online efforts. However, if customers are coming in with your promotions from geofencing, there are a number of metrics you can measure, including sales, how long they are in your store, and how often they visit. All of this can be valuable information that adds depth to your analytics and with that, more effective marketing across the board.

As Shakespeare said: “Know thy customer!”

Before you begin marketing with geofencing, make sure you understand customer demographics and who your local customers actually are. This helps ensure that the promotions you use are, in fact, the ones that are going to be most successful and get the kind of results you want.

Keep it Close

You do not want to have your geofencing area too large. In fact, according to Salesforce, “the general rule is a four-to-five minute travel radius. If you are in a city where most people walk from point A to point B, then this means you want to keep it a four-to-five minute walking radius; alternatively, if most people drive, a four-to-five minute transport distance is the maximum to be successful.”

Challenges and Considerations

While geofencing offers numerous benefits, there are potential challenges and concerns associated with its use. Privacy is a primary concern, as users might be wary of sharing their location data and personal information. The California Consumer Protection Act (CCPA), for example, details common rights for consumers:

  • The right to request disclosure about what information is being gathered and what purpose it is being used for
  • Limitations on the use of information only for its expressed purpose
  • The right to access information gathered
  • The ability to opt-out

Your provider should ensure that you are being transparent about your data usage policies and are in compliance with any regulatory requirements. Your provider should also manage obtaining user consent before engaging in geofencing activities. 

Give it a try

Geofencing has evolved into a game-changing marketing strategy that empowers businesses to connect with consumers in innovative ways. From delivering hyper-personalized content to driving impulse purchases and enhancing customer engagement, geofencing offers a range of benefits that contribute to improved brand perception, customer loyalty, and bottom-line results. By harnessing the potential of geofencing while being mindful of privacy concerns, your community bank can build brand, loyalty and revenue.  Now, if you’re interested in moving forward, I will say that there are a number of companies that can partner with you in implementing this platform. I found this G2 site helpful; it points out the pros and cons of some of the more popular geofencing providers.

 About Bank Marketing Center 

Here at bankmarketingcenter.com, our goal is to help you with that topical, compelling communication with customers; the messaging — developed by banking industry marketing professionals, well trained in the thinking behind effective marketing communication — that will help you build trust, relationships, and revenue. 

To view our marketing creative, both print and digital – ranging from product and brand ads to social media and in branch signage – visit bankmarketingcenter.com.  You can also contact me directly by phone at 678-528-6688 or via email at nreynolds@bankmarketingcenter.com. As always, I welcome your thoughts.

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Looking for highly targeted, measurable, cost-effective messaging? Google it!


More and more marketers and businesses are taking advantage of the benefits of PPC advertising and Google Ads in order to reach new audiences, build brand awareness, and increase revenue.  At the same time, there are still some marketers who think, “Why would I pay to appear on Google when I can get my site to show up for free?” The answer is that it is not as easy to appear in the SRPs (Search Results Pages) via an organic search as you might think. It often takes a lot of time, work and yes, spending on SEO, to achieve high organic rankings on Google for the keywords you want to rank for.

Don’t know much about Google Ads, PPC or aren’t entirely convinced of their value?  How about this, from a fairly trusted source; the American Marketing Association?

“If you are an aspiring marketer, perhaps you think you don’t need to know about PPC using Google Ads. Well, we have some news for you. Every marketer needs to know the importance of PPC using Google Ads. Google Ads PPC marketing is an effective, quick, and cost-effective way to spread awareness about a brand and sell products quickly.”

What, exactly, is Pay-Per-Click (PPC)?

PPC advertising is a messaging model where advertisers pay only for actual clicks on their digital ads, with the added perk that ad impressions come at no cost. This grants your bank a listing prominently on search engine results pages, and you only pay for the ad placement when your ad generates a click.

With PPC ads, your community bank can quickly deliver high impact results that are both measurable and cost-effective.  Here are just a few of the objectives you can accomplish:

  1. Sell products and services
  2. Educate current and potential customers
  3. Reinforce your brand image
  4. Increase foot traffic to branch offices
  5. Target customers and prospects of competitors
  6. Increase mobile app usage
  7. Cross/Up-sell existing customers to other products and services
  8. Target individuals in untapped geographic markets
  9. Promote new branch openings
  10. Promote community event participation, in short…
  11. Make better use of your marketing dollars

 How, exactly, does it work?

Google Ads allows you to take advantage of the benefits of online advertising, presenting the right message to the right people, in the right place, at the right time. Here are a few specifics.

  1. Target your ads

With Google Ads, you have different targeting options, such as: 

  • Keywords: Words and phrases, relevant to your products and services, that consumers might use to search for them.
  • Ad location: Show your ads on Google SRPs and websites that are part of the Google Search and Display Networks.
  • Age and location: Choose the age and geographic location of your target individuals.
  • Days, times, and frequency: Show your ads during certain hours or days of the week and determine how often your ads appear.
  • Devices: Your ads can appear on all types of devices, and you can fine-tune which devices your ads appear on and when.
  1. Manage your budget

Google Ads gives you control over how you spend your money. You have total flexibility. There’s no minimum, and you can choose how much you spend per month, per day, and per ad. And, you can change that expenditure anytime you want. Plus, remember. You’ll only pay when someone clicks your ad.

  1. Measure your success

With Google Ads, if someone clicks your ad, you know. If they clicked your ad and then took an additional step, i.e., visited your website and viewed a page dedicated to, say, auto financing, you can track that, too. By seeing which ads get clicks and which ones don’t, you’ll also quickly see where to invest in your campaign. That, in turn, can boost the return on your investment.

You can get other valuable data, including how much it costs you, on average, for advertising that leads to a purchase. And you can also use analytical tools to learn about your customer’s shopping habits -- how long, for instance, they tend to research your product before they buy.

  1. Manage your ad campaigns easily, from almost anywhere

Google offers tools to easily manage and monitor accounts. If you have more than one account, for example, a My Client Center (MCC) manager account is an amazing tool that saves you time by enabling you to easily view and manage all of your Google Ads accounts from a single location.

You can also manage your Google Ads account offline with Google Ads Editor, a free, downloadable desktop application that allows you to quickly and conveniently make changes to your account. You can use the Editor to manage, edit, and view multiple accounts at the same time, copy or move items between ad groups and campaigns, and undo and redo multiple changes while editing campaigns.

Fast and easy to run, measure and track

Once you learn how to create and optimize a pay-per-click campaign, it is fairly simple to get a campaign up and running. Google makes it easy to see how your PPC campaigns are performing.

Cast a wider net for new customers

Email and social media marketing tend to target people who are already aware of your brand. These strategies work better to nurture existing customers. But with PPC ads, which can be highly targeted based on age, gender, location, and more, you have the opportunity to cast a wider net to find new potential customers.

About Bank Marketing Center 

Here at bankmarketingcenter.com, our goal is to help you with that topical, compelling communication with customers; the messaging — developed by banking industry marketing professionals, well trained in the thinking behind effective marketing communication — that will help you build trust, relationships, and revenue. 

To view our marketing creative, both print and digital – ranging from product and brand ads to social media and in branch signage – visit bankmarketingcenter.com.  You can also contact me directly by phone at 678-528-6688 or via email at nreynolds@bankmarketingcenter.com. As always, I welcome your thoughts.

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Building loyalty with BTS for CLV

It’s that time of year again. BTS (Back to School). Or, when it comes to bank marketing and the Gen Z consumer, what’s commonly known as BTC, or Back to College.

Seems like it was just the other day that we were talking about the Gen Z consumer. Why so much hype about this individual? Because he/she is an important, and somewhat unique, consumer. And, why is this an important time of year, not just for students off to college, but for community bankers, as well? Because BTC is a great time to build upon your base of loyal customers and with it, their CLV or Customer Lifetime Value.

Loyalty.  As marketers, this is our Holy Grail. Gen Z individuals, like any other customers, value a trustworthy relationship with their banking partner and for many, college marks a pivotal stage of life where many beliefs and habits, including financial habits, are established. Effectively meeting a college students' unique financial needs provides you with the opportunity to forge a long-lasting relationship. By offering tailored products and services such as student checking accounts (see our campaigns below), you can demonstrate your commitment to their financial well-being, and earn yourself a customer whose need for financial products will only continue to grow. After all, as these young consumers transition from college to the workforce, their financial needs will evolve; it won’t be long before they need products and services such as auto loans, home mortgages, investment options, and retirement planning. 

Let's not forget, too, that this is a powerful (numbering nearly 70 million) and lucrative demographic. And yet, while their financial needs are much the same as previous generations, their view of banking services and communication/info gathering is vastly different. 

Remember the days when brands used to advertise via mass media? For me, it was a Golden Age. The agency Copywriters and Art Directors would work as teams, putting their heads together with the goal of coming up with that winning :30 television concept. Once an idea for a commercial was hatched, (for me, it could very well be Oscar Meyer), it was storyboarded, presented to the client, tested, modified, tested again, and then – probably a couple of months later, with several internal departments and third-party resources contributing along the way – air on national television. Did we know if the messaging was effective? For the most part, no. If there was a bump in sales, the campaign was considered a success. Now, just how much of a “bump” differentiated success from failure, I’m not sure many at the agency knew… or cared.  The commercial aired, it was fun getting it there, and now it was time to move onto the next one. Looking back, yes, it was a blend of art and science… but, a lot of art, and not a whole lot of science.

Today, the crafting of a marketing message is, as we all know, quite different; the opposite, in fact. It’s almost all science, with some art sprinkled in. Consumer touchpoint opportunities have expanded from network television, outdoor, print, and radio – along with mass media messaging – to a laser-focused, personalized omnichannel experience that is dominated by social media and highly-targeted marketing messages. This messaging is continually monitored, analyzed, and “tweaked” when necessary in a continuous feedback loop that, ideally, hones the messaging to perfection as it travels along a very thoughtfully-crafted buyer journey.

As we’ve talked about before, Gen Z is often referred to as the "digital-first" generation, with an inherent appreciation for… no, it goes deeper than that… I would say “reliance upon” social media messaging. As I mentioned a month or so back in a Gen Z blog, reach them where they like to be; Tik Tok, Snapchat, Twitter, and now, Threads. Make sure that these platforms are an integral part of your social media marketing strategy.  These platforms offer unparalleled speed to market, effectiveness measurement, and the ability to adjust messaging “on the fly” based on metrics such as likes, follows, and engagement. They also provide you with the opportunity to lead a prospect down a path to purchase. Post some Student Checking ads on your social channels with a link to an online account application, for instance. Perhaps that student needs a credit card, as well. And, if that online application experience meets expectations, your new customer may very well share that information with friends. If that visitor to your site for some reason decides to bounce off, use Google Ads remarketing to keep your message top of mind.  If  you recall, with Google Ads remarketing, past visitors to your online application will see your ads while they are browsing the web, watching YouTube videos, or reading news sites, for example—and entice them to revisit your site.

In the end…

Securing Gen Z as long-term customers is critical to maintaining a competitive edge and growing your share of wallet. By understanding and catering to the unique preferences of this digitally native generation, and making use of the targeted messaging that social media marketing offers, you can be extremely effective (and hopefully, successful) in promoting the products that matter to them… right at the moment that they matter most.  

About Bank Marketing Center 

Here at bankmarketingcenter.com, our goal is to help you with that topical, compelling communication with customers; the messaging — developed by banking industry marketing professionals, well trained in the thinking behind effective marketing communication — that will help you build trust, relationships, and revenue. Like these campaigns that can help you attract young consumers who are heading off to college and in need of banking services.To view our marketing creative, both print and digital – ranging from product and brand ads to social media and in branch signage – visit bankmarketingcenter.com.  You can also contact me directly by phone at 678-528-6688 or via email at nreynolds@bankmarketingcenter.com. As always, I welcome your thoughts.

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Don’t wait to get on Threads!

In the rapidly evolving world of social media marketing, staying ahead of the curve is crucial… and Meta’s new Threads is a great way to do that. In case you’ve somehow missed it – and I’m not sure that’s even possible?! – Threads is Meta’s new social media platform. Even though it’s only in its infancy, Threads has already attracted over 100 million users, and promises to revolutionize the way marketers connect with their target audience.

Is that overpromise?  I don’t think so. But don’t take just my word for it; this is from a recent tech.com article: “While Twitter admittedly has a 17-year head start on Threads, the Meta-owned social media platform has taken off in the short time since its launch. In fact, as of writing,1 Threads has become the fastest social media platform in history to reach 100 million followers.”

Looks like, according to Tech.com, “Twitter is having trouble holding onto their current users, let alone attracting new users. In fact, a study in May found that 25% of users expect to ditch Twitter within the year.” I guess it’s safe to say that Threads is on the rise, and Twitter is on the decline. Should you drop Twitter in favor of Threads?  I say keep them both!

Now, in Twitter’s defense, the platform is still ahead of Threads in terms of functionality, with features such as a discovery page, a following page, hashtags, and direct messaging. Threads does come out ahead on post and video lengths, which are features that are moving users to the new app. Remember, too, that Threads is backed by Meta and its tremendous resources.  Many new features are in the pipeline, apparently, and Meta certainly has the power to make good on its promises. So, what else does Threads have that Twitter doesn’t?

Unparalleled User Engagement

Threads offers an immersive and interactive experience through industry-leading features, such as augmented reality (AR) filters, 360-degree videos, and gamification elements.  As a bank marketer, you can leverage these features to create compelling and memorable experiences for your audience, driving both engagement and brand building.

Targeted Advertising Capabilities

Threads provides marketers with advanced targeting options, allowing them to reach their desired audience with precision. Leveraging Meta's vast data ecosystem, marketers can tap into valuable user insights to deliver highly personalized ads. With Threads, marketers can refine their targeting based on demographics, interests, behaviors, and even specific actions within the platform, maximizing the effectiveness of their campaigns and improving return on investment.

Seamless Integration with Meta's Ecosystem

Another consideration. Meta’s metaverse is unparalleled. The company’s ecosystem spans a wide range of platforms that includes Facebook, Instagram, WhatsApp, and Oculus. Integration with these platforms offers you a more “frictionless” experience in managing your social media campaigns across multiple platforms. In short, a greater number of touchpoints with which you can “converse” with your audience.

Enhanced Influencer Marketing Opportunities

If you’ve ever considered influencer marketing (and you should), you’ll find no better platform for it than this one. Threads presents a great opportunity to tap into this trend, giving influencers the ability to create truly captivating and immersive content, which can be seamlessly shared with their followers. With the ability to amplify their message through Threads’ interactive features, influencers can drive authentic engagement and build strong connections with their/your audience. 

Community Building and Customer Support

Threads provides a fertile ground for community building and customer support initiatives. With it, you can create dedicated groups and communities, which can then help to build brand loyalty and encourage meaningful interactions among users. By actively engaging with customers through comments, messages, and live discussions, you can not only gain valuable insights into your audience's preferences, but their pain points, and wants, as well. This valuable feedback can go a long way in informing your product development, marketing strategies, and overall brand positioning.

Early Adoption Advantage

It pays to be one of the first. Being an early adopter can provide your bank with a significant competitive advantage. By establishing your presence on this new and innovative platform, you’ll differentiate your brand from the rest while capturing the attention of that younger, digitally savvy individual who you want and need as a customer. 

Get out there and be one of the first!

Remember what Marshall McLuhan said? “The medium is the message.” And, it’s as true now as it was when he said it back in the early ‘60’s. Quite simply, it means that the way that we send and receive information is more important than the information itself. And it is certainly true with Threads. With its engaging features, Meta ecosystem integration, influencer marketing opportunities, community building potential, and early adoption advantage, Threads offers community bank marketers a tactic that can connect their brand with an audience in exciting and innovative ways. If you’re not out on Threads already, now’s the time! And, as I mentioned earlier, I wouldn’t be in any hurry to drop Twitter and replace it with Threads.  If there’s anything we know about Elon Musk, it’s that he never backs down from a challenge.

About Bank Marketing Center 

Here at bankmarketingcenter.com, our goal is to help you with that topical, compelling communication with customers; the messaging — developed by banking industry marketing professionals, well trained in the thinking behind effective marketing communication — that will help you build trust, relationships, and revenue. 

To view our marketing creative, both print and digital – ranging from product and brand ads to social media and in branch signage – visit bankmarketingcenter.com.  You can also contact me directly by phone at 678-528-6688 or via email at nreynolds@bankmarketingcenter.com. As always, I welcome your thoughts.


1Tech.com. Threads vs Twitter: Differences Between Social Media Platforms. July 11, 2023


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Hey banker, are you considering the “Z” factor?

By that I mean Gen Z. Who are the Gen Z’ers? They’re the individuals born between 1997-2012, which makes them between the ages of 10 and 26 as of 2023. Right now, they account for about 40% of the U.S. population, numbering nearly 70 million. 

Growing up in an “age of technology,” these consumers exhibit very different behaviors than previous generations… much different. Especially when it comes to how and where they find information, as well as how they shop and purchase products and services. They do everything online, and they're doing it from anywhere. No longer confined by a home computer, they’re transacting business on their cellphones while in the car (sometimes even while driving), and even on their watches while running on a treadmill (I’ve actually experienced this. Perhaps, you have, too.)

And as we’ve all come to know, their expectations of a bank’s digital experience (that is, the service they get via online or through a mobile app) is far different from any previous generation. In fact, research has shown that to this generation, a bank’s digital experience is more important to them than the products and services that it offers.  So, what does that mean for your bank?

Well, for me, to answer that question I need to travel back to my soft drink marketing days. If I learned anything from building a beverage company’s market share, it’s this: Get ‘em while they’re young. Remember “Choice of a New Generation”? That Pepsi theme line cuts right to the quick of what drives a soft drink manufacturer’s growth. The key to success in marketing a cola is grabbing that young consumer as they’re making the transition from juices to soft drinks… if I recall, that’s at about age 12 or so… at least, that used to be the case.  I just did a bit of googling and learned this from “Made for Mums:” “Age 8 is when most people said they'd let their child have fizzy drinks.” Personally, I find that deeply disturbing, but… I digress.

Anyway, my point is this:  Smart marketers work hard to earn customers early and work just as hard to keep them. That being because, as we all know, it’s something like seven times more costly to earn a customer than it is to keep one. Pepsi knows that they operate in a category where consumers are highly brand loyal, and that earning that customer at 11 or 12 pretty much ensures that they have that customer for life.  That’s just the way it is with soft drinks. Now, do banking customers exhibit that same kind of “my-brand-no-matter-what” loyalty?  Hard to say. I read this on lumindigital.com

“According to Foresight Research, 22% of users — or roughly 44 million people — considered leaving their old bank and starting over with a new primary financial institution. Of the consumers who “intend to leave their bank or credit union, almost 3 out of 4 are Gen Z or Millennials — the very block of business that drives the future of your financial institution.”

How do I interpret this?  I see it as an opportunity for banks. Right now, the GenZ banking customer is in the “consideration” stage of their buying journey. By that I mean that they’re just now reaching those milestones in life that will motivate them to choose a bank. They’re getting somewhat settled in their personal lives and career. It’s a time when they’re beginning to show interest in not just savings and checking accounts, but other products such as loans, mortgages, and investment products. It’s a perfect time for a community bank to earn their business. 

Granted, that business may not be record-setting right now, but that will change. With the oldest of the Gen Z population turning 26 in 2023, they’re still in the early stages of their careers. As they continue to grow in their careers, their income will continue to grow, as well. In a study done by Bank of America, Gen Z’s income is predicted to increase 5x to $33 trillion by 2030 and surpass Millennial’s income by 2031.

And here’s something else to consider; The Great Wealth Transfer, as it’s been called. It’s predicted that the Baby Boomer generation, the wealthiest of all generations in American history, will one day soon transfer its wealth to the next generation. Well, that’s not entirely accurate. Not the “next generation,” but, supposedly, the one following it; i.e., Generation Z, the Baby Boomer grandchildren. The Great Wealth Transfer is estimated to be about $68 trillion. That’s a pretty hefty piece of change and any bank should want a piece of that.

So, what can you do to begin to earn the trust, and the business, of this coming generation?

Help educate them

The Gen Z consumer is hungry for information, especially when it comes to financial services.  They’re shopping for products and services and want to learn as much as they can about them. Now is a good time for you to position yourself as a Subject Matter Expert in the world of banking and financial management (which of course, you are) and begin building that personal, long-lasting relationship.

Reach them where they like to be

Gen Z is heavily influenced by social media. The social media channels they prefer are, by and large, Tik Tok, Snapchat, and Twitter. Make sure that these platforms are an integral part of your social media marketing strategy.

Last but not least, deliver on their digital expectations

Remember. This generation of consumer has sky-high expectations and razor-thin patience. It’s great that you’re out there hyping your digital banking experience… just make sure that you live up to the expectations that you set.

About Bank Marketing Center 

Here at bankmarketingcenter.com, our goal is to help you with that topical, compelling communication with customers; the messaging — developed by banking industry marketing professionals, well trained in the thinking behind effective marketing communication — that will help you build trust, relationships, and revenue. In short, build your brand. 

To view our marketing creative, both print and digital – ranging from product and brand ads to social media and in branch signage – visit bankmarketingcenter.com.  You can also contact me directly by phone at 678-528-6688 or via email at nreynolds@bankmarketingcenter.com.  As always, I welcome your thoughts on the subject.

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Harnessing the power of social media to build customer loyalty

We all know how social media has transformed the way we live, shop for products and services, make purchase decisions, share information, and much more. For businesses, the digital revolution has certainly changed, in monumental ways, how businesses interact with their customers. And the banking industry is certainly no exception.

Social media marketing offers banks a unique opportunity to engage with their customers on a more personal level, building strong relationships, and fostering the kind of customer loyalty that institutions need to compete and grow profitability. So, what are a few of the benefits that banks can reap from their social media marketing in attracting and retaining customers?

Enhancing customer engagement

Social media platforms serve as powerful tools for banks to engage with their customers in a real-time way. By actively participating in conversations, responding to queries, and sharing relevant content, banks can establish a trusted relationship… one built on approachability and accessibility. Regular interactions on social media platforms offer you the opportunity to humanize your brand, making customers (and future customers) feel valued and heard. This increased engagement creates the personalized customer experience that today’s consumer expects.

Providing timely and personalized customer service

Social media can also provide a direct channel for customers who are searching for assistance. Use your social media platforms to offer prompt and personalized customer service, addressing questions and concerns in a timely manner. By promptly resolving customer issues and providing accurate information, you’ll instill confidence in their customers, thereby strengthening loyalty. Additionally, social media – as a “conversational” medium – can provide valuable feedback from customers which, in turn, enables you to continuously improve your products and services based on customer preferences.

Building brand advocacy and trust

Social media platforms offer an ideal environment for your customers to express their satisfaction and share positive experiences with their personal networks. We all know how individuals love to share their experiences through their social media, and how important personal references have become. (Think “influencer”). By providing exceptional service and maintaining an active social media presence, you can encourage your customers to become “brand ambassadors.” When satisfied customers publicly endorse a bank's services, it not only boosts the bank's reputation but also helps in attracting new customers. Positive social proof through customer testimonials, reviews, and recommendations helps build trust, further solidifying customer loyalty.

Offering educational, informative content

People are hungry for financial guidance. Banks can leverage social media platforms to share educational and informative content, meeting the needs that customers have when it comes to financial needs and interests. By offering valuable insights, tips, and expert advice, your bank can position itself as a trusted source of information, reinforcing your brand as a valued member of the community and an expert in financial products and services. By consistently providing relevant, educational content, you can nurture long-term relationships with your customers and build both loyalty and retention.

But, “what about those negative reviews,” you ask?

A bit wary when it comes to social? Well, there’s a lot of truth to the old adage that you can’t make everyone happy all of the time, no matter what you do or how you do it. Taking this to heart, you can begin to understand that perhaps negative comments and reviews are not the worst thing in the world. In fact, they can actually work on your behalf. Why is that? Well, for starters, remember that social media is a conversation and for that reason, it’s an opportunity to hear what customers (and potential customers) think of who you are and what you offer.  It’s a great way to learn and, if and when needed, make refinements to products and services.

Be Proactive

Be proactive with our social media management.  That means staying ahead of potentially negative comments by “diffusing” them before they even appear.  This is accomplished through positive comments. Integral to your social messaging is the message that you welcome comments. Invitations such as “tell us about your experience,” and “don’t forget to mention your great experience on our social media,” will ideally keep the positive messages flowing on your social platforms. And, believe it not, a negative comment can even “add legitimacy” to your social messaging.  Sad to say, people tend to question the legitimacy of comments/reviews when they see only positives and no negatives.

Take the high road and take it quickly

Another step to take in keeping your platforms working for you is to always act promptly.  Individuals watching your social media are just as interested, if not more so, in how you respond to a negative comment than the comment itself. 

Monitor your platforms regularly

By keeping close tabs on the dialogue you’re having with your customers – and responding promptly and in a productive way – you’re creating personal relationships that can then become mutually-beneficial business relationships. You can learn from these social interactions. Perhaps many people are complaining about/commenting on a similar topic, service, or member of your team. Social media comments can help you gain insights into how customers, and potential customers, see your business; very useful information when you want them to do business with you!

Are you making the most of your social media?

Social media marketing has revolutionized the way you can connect with your customers, both building and maintaining a deeper sense of loyalty and trust. By actively engaging with customers, providing personalized customer service, building brand advocacy, and offering educational content, you can strengthen your relationships, drive customer loyalty, and grow share of wallet. However, it is crucial for banks to implement social media strategies that align with their brand values and customer preferences. With the right approach – that is, a message that aligns with your brand and compels your audience to act – social media can be a powerful weapon in your marketing arsenal.

About Bank Marketing Center 

Here at bankmarketingcenter.com, our goal is to help you with that topical, compelling communication with customers; the messaging — developed by banking industry marketing professionals, well trained in the thinking behind effective marketing communication — that will help you build trust, relationships, and revenue. In short, build your brand. 

To view our marketing creative, both print and digital – ranging from product and brand ads to social media and in branch signage – visit bankmarketingcenter.com.  You can also contact me directly by phone at 678-528-6688 or via email at nreynolds@bankmarketingcenter.com.  As always, I welcome your thoughts on the subject.

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Can social media bring down our entire banking system?


Let me start by saying, simply, WOW. This article, late last month in MONEY, is downright scary. “Study Finds Twitter Chatter Fueled SVB Collapse — and Other Banks Are at Risk.”  Like many of you, I’ve been in this industry for quite a long time, so, I don’t scare easily. But the SVB collapse, which has now earned the title of “the first Twitter-driven bank run” gave me chills. In the “good old days,” like when George Bailey ran the Bedford Falls-based Bailey Bros. Building & Loan, you knew a bank was in trouble when customers lined up at the door to withdraw their cash; the longer the line, the deeper the trouble. Nowadays, withdrawing money — along with a host of other transactions, of course — doesn’t require standing in line. In fact, it doesn’t even require visiting a brick-and-mortar branch.  As we all know, for better or worse, today’s banking transactions are routinely made from a mobile phone… and in less than a minute.

It seems that SVB went bankrupt the same way that Ernest Hemingway’s character “Mike” did in The Sun Also Rises. When asked how it happened, Mike responds: “Two ways. Gradually, then suddenly.”

What caused the “gradually” in SVB’s collapse? With Federal Reserve interest rate hikes — 10 of them since the start of 2022 — a chilly environment for IPOs, and a tough economic climate, many of SVB's startup and tech industry customers were already motivated to withdraw needed funds. Then came the “suddenly.”

On Wednesday, March 8th, Silicon Valley Bank was a well-capitalized institution seeking to raise some funds. Within 48 hours of announcing to investors that it needed to raise $2.25 billion to shore up its balance sheet, a panic ensued — induced, some claim, by the very venture capital community that SVB had served — which led to the 40-year-old institution’s demise. Just a short time ago, when only two US banks had collapsed (now there are three), CNBC reported that “even now, as the dust begins to settle on the second bank wind-down announced this week, members of the VC community are lamenting the role that other investors played in SVB’s demise.”1

What role was that? Numerous VC funds, including major players like Founders Fund, Union Square Ventures, Pear VC, and Coatue Management, had advised companies in their portfolios to move their funds out of SVB “to avoid the risk of being caught up in the potential failure of the bank. In light of the situation with SVB that we are sure all of you are watching unfold, we wanted to reach out and recommend that you move any cash deposits you may have with SVB to another banking platform,” said Anna Nitschke, Pear’s chief financial officer, in an email to founders obtained by CNBC.”2

Bad news coming from VC firms in the tech capital of the U.S. travels fast and that news quickly snowballed into a stock rout, sending customers scrambling for their mobile apps and the “withdraw” button. Of course, the bank was then forced to sell investments to cover the demand... and, at a tremendous loss. Now, here is the kicker. “Word of those losses traveled quickly,” according to Reuters, “and spooked depositors withdrew $42 billion from the bank in just 24 hours. Many blamed the speed and intensity of online chatter about SVB’s weakness for the bank’s swift demise.”  Talk about “speed and intensity” … just multiply that by 450 million Twitter users.

The speed and intensity of the news around SVB’s collapse is, understandably, a concern. In mid-April,  a group of university professors co-authored “Social Media as a Bank Run Catalyst,” a treatise on the cause and effect of social media in the case of SVB that argues that greater exposure to social media amplifies bank run risk and warning that other banks could face similar risks. Here’s the first sentence in the Abstract: “Social media fueled a bank run on Silicon Valley Bank (SVB), and the effects were felt broadly in the U.S. banking industry.”3 As I said in the beginning… scary stuff. 

Of course, during all the media hype and excitement about how this failure portends a global financial crisis, few were paying attention to the more reasonable voices in the banking industry. Their voices were all drowned out by those millions of Tweets spreading fear. 

As Alexander Yokum, an equity research analyst at CFRA Research, warned in the MONEY article, “the fact that people can communicate so much more quickly has changed the dynamic of bank runs and perhaps changed the way we have to think about liquidity risk management. The number one driver right now is fear, not fundamentals.”

And that fear seems to continue to hang over the banking sector like a dark cloud… at least, for now. Over a month after the collapse of Silicon Valley Bank, some mid-size bank shares lost half their value, others were down well into double digits. A few share prices soared recently, then collapsed again. Great if you love roller coasters.  And this is at a time when, with rising interest rates, banking sector investors were anticipating a pretty good return.  Why the rough waters? “We believe regional banks are suffering from a GameStop-like moment where misinformation circulating on social media is fueling stock price declines that threaten funding and solvency,” Jaret Seiberg, financial services analyst at TD Cowen Washington Research Group.There it is again. Social media.  If only positive and accurate information traveled as fast as the negative, inaccurate stuff.  Until that happens, we ride that roller coaster. Buckle your seatbelt and hold on tight.

About Bank Marketing Center 

Here at bankmarketingcenter.com, our goal is to help you with that topical, compelling communication with customers; the messaging — developed by banking industry marketing professionals, well trained in the thinking behind effective marketing communication — that will help you build trust, relationships, and revenue. In short, build your brand. 

To view our marketing creative, both print and digital – ranging from product and brand ads to social media and in branch signage – visit bankmarketingcenter.com.  You can also contact me directly by phone at 678-528-6688 or via email at nreynolds@bankmarketingcenter.com.  As always, I welcome your thoughts on the subject.


1CNBC. Here’s how the second-biggest bank collapse in U.S. history happened in just 48 hours. March 10, 2023

2CNBC. VCs urge startups to withdraw funds.  March 10, 2023

3Cookson, J. Anthony and Fox, Corbin and Gil-Bazo, Javier and Imbet, Juan Felipe and Schiller, Christoph, Social Media as a Bank Run Catalyst April 18, 2023

4CNN Business. Why bank stocks are so unstable. May 9, 2023

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Want to attract and retain the best people? Social media can help.

Author Flannery O’Connor once said, “a good man is hard to find.”  Well, you can certainly add “a good woman” to that. I’m, of course, talking about male and female employees. These days they’re terribly difficult to find and, believe it or not, even more difficult to keep. Check this out from Shrm.org’s “Job openings, quits hold near record high”: While employers are offering higher wages to attract talent, many on the sidelines are unmoved: the gap between job openings and available workers remained at 5.5 million in April, or about two jobs for every unemployed worker. The last 13 consecutive months—since June 2021—have seen more than 4 million workers quit. April marks the 11th consecutive month that more than 4 million workers left their jobs. Shrm.org goes on to tell us that “the wave of quitting signals that workers feel comfortable enough, amid record-high openings, to switch jobs in pursuit of better pay or working conditions.”

Of course, just like the old adage about customers — that it's 6-7 times more expensive to acquire a new customer than it is to keep one —replacing employees is expensive. Indeed.com tells us in “Estimating the high cost of Employee Turnover,” that “employee turnover costs employers about 33% of an employee’s annual salary.” This cost comes from factors such as advertising, screening, interviewing, onboarding, lost productivity, and more. 

Besides upping the salary stakes in order to attract and retain top talent, what can employers like small community banks do? Experts say that successful cultures — ones that are conducive to attracting and retaining top talent — have certain “personality traits” and that to develop these traits, leaders need to:

  • Strengthen the relationships between coworkers
  • Give team members maximum exposure to leadership
  • Enhance their skills and abilities so they feel like they are true experts in their field
  • Communicate objectives and paths to their achievement clearly and often so that they see success as attainable
  • Engage with team members on their future goals and help them chart a path forward

Here’s something even easier. Use your social media platforms.  

I know well from personal experience (don't we all??) that effective communication, opportunities for development, and an environment of mutual respect and collaboration are all essential to retaining the “best of the best.” But never forget the power of praise; a few kind words can go a very long way.  And, social marketing platforms are the ideal media for those kind words.  

Many of our banks are extremely active in this regard and I suspect that, as a result, their associates feel pretty good about where they’re working. As Sir Richard Branson has said: “Clients do not come first. Employees come first.” And, well, as far as I can tell he seems to have had some pretty good success with that.

Here are just a few examples of the more popular topics that our client banks are using social for:

  • Recruiting
  • Birthdays
  • Anniversaries (and nothing says “this is a great place to work" better than a multi-decade anniversary post)
  • Recognitions for advanced certifications received
  • Awards and achievements (both professional and personal)
  • Congratulating employees for their commitment to community organizations and volunteer groups

I’ve also seen posts that don’t take themselves quite so seriously, such as acknowledging the employee with the biggest smile, or “Today’s Best Dressed Employee.” As you can imagine, social media posts that focus on your associates also go a long way with potential employees… and customers. They reinforce that brand perception that is so important to small banks; that unlike the big national, you’re a neighborhood institution that is trusted and knowledgeable, and that you take a personal interest in the people who bank with you.  And to think you can accomplish all of this… with just a few social posts! 

As always, I would love to hear your thoughts on this subject. 

About Bank Marketing Center

Here at BankMarketingCenter.com, our goal is to help you with that vital, topical, and compelling communication with customers; messaging developed by banking industry marketing professionals, well trained in the development of effective marketing communication, that will help you build trust, relationships, and revenue. And with them, your brand. Like the below “Internal Award” ads, for instance, recently added to our library of content. 

To view our marketing creative, both print and digital – ranging from product and brand ads to social media and in branch signage – visit bankmarketingcenter.com.  You can also contact me directly by phone at 678-528-6688 or via email at nreynolds@bankmarketingcenter.com.