FIS ebanking SOLUTIONS
Table of Contents Getting Started............................................................ 3 Market Assessment......................................................... 4 Competitive Analysis.................................................... 4 Product Positioning..................................................... 4 Product Pricing......................................................... 5 Infrastructure.............................................................. 6 Sales................................................................. 6 Implementation............................................................ 7 Determine Product Name and Web Site Branding............................. 7 Product Name and URL.................................................. 7 Web Site Branding...................................................... 7 Determine Method of Distributing Logon Information.......................... 9 Billing Approach........................................................ 9 Customer Service....................................................... 9 Training.............................................................. 10 Strategic Planning......................................................... 11 Employee Communications................................................. 12 Quick Facts Card...................................................... 13 Employee E-Mail Series................................................. 14 Customer Communications.................................................. 15 Postcard............................................................. 16 Customer E-Mail Series................................................. 17 Statement Insert....................................................... 18 Brochure............................................................. 19 Interior Signage....................................................... 20 Mass Advertising...................................................... 22 Customizing and Producing the Business Online Banking Marketing Materials......... 23 2 FIS ebanking SOLUTIONS
Getting Started The Business ebanking Marketing Kit is a guide for marketing the FIS Business ebanking solution to your customers. It outlines the factors to consider when establishing marketing goals, target markets, campaign budgets, and much more. The guide includes examples of marketing components and suggestions that can be included in your organization s campaign. It is essential to integrate online banking marketing with your bank s brand identity to get the most overall value from your efforts. Using the tactics outlined in the Marketing Kit will help your customers receive a variety of your Business ebanking marketing messages. FIS ebanking SOLUTIONS 3
Market Assessment Before rolling out a new product or feature, you may want to perform a market assessment. Assessing the market your organization competes in helps you determine your product positioning, packaging and pricing. Competitive Analysis A first and important step in your market assessment is completing a detailed competitive analysis. You can start by making a list of your bank s competitors. The information you could collect includes: 1. Bank name 2. Bank Web address 3. Copies of marketing materials for small business, middle market, and corporate Internet banking, as well as other business services 4. Pricing information for business online banking 5. Any industry knowledge about the limitations of the competition s business online banking 6. How is business online banking marketed? Is it sold at the branch? Is it packaged with other products and/or services? 7. How is the feature implemented? Do bank employees go directly to the customer site to help them with setup and training? 8. How late in the day can a customer initiate an ACH transaction? 9. How late in the day can a customer initiate a wire transfer, and are wire transfers initiated via the Internet in real-time? 10. Are stop payments and internal transfers real-time? 11. What types of accounts are available via the Internet, and is the account information real-time? 12. Does the bank require a separate login for some features (for example, wire transfers, bill payment and ACH that are accessed via a separate Web site)? Methods to obtain competitive information include: Visiting the bank branch in person. Calling the bank on the phone. Surveying customers who have recently switched banks. Surveying your existing staff. Visiting the bank s Web site. Searching the Internet. Hiring an outside consultant (FIS has a professional services team that can do a competitive analysis contact your FIS Relationship Manager to learn more). Product Positioning Once you have an understanding of what your competition is offering, you can focus on how your organization will position Business ebanking. Who would be an ideal customer? Target Customers You can start by compiling a list of attributes that represent a good target customer for Business ebanking. Presently, the adoption rate for small business Internet banking is estimated at over 50 percent for top financial institutions (source: Aite). Some examples of target customers include: Existing customers with business accounts at the bank (i.e., customers who have commercial loans, lines of credit, deposit accounts and CDs). Customers who have personal accounts with the bank, own a business and do not have business accounts with the bank. With the advent of Remote Deposit Capture, having a branch in the target business location is not necessarily a requirement. In particular, look at consumers with high net wealth as potential business owners. 4 FIS ebanking SOLUTIONS
Accountants who are often the true decision-makers when determining where a small business will do its banking. Holding breakfast or lunch meetings with a group of local accountants is a great way to target business customers. Also, try creating a Business ebanking package to target specific audiences. Examples include property managers, doctors, lawyers, accountants, retail businesses and title companies. And don t forget your branches, as they are a valuable source of information. Many branch personnel have daily contact with business customers, making them a great resource for identifying Business ebanking customers. Product Pricing With an understanding of what your competitors charge for business online banking, as well as the product position, you are ready to determine what you will charge for Business ebanking. Pricing Resources There are several online resources for obtaining competitive pricing information on business online banking. In general, the cost for business online banking can vary from free to over $100 per month, depending on the features and number of accounts that are included (ACH, wire, positive pay). A free copy of Phoenix Hecht s The Blue Book of Bank Prices 2008-2009, Executive Summary, can be downloaded at the following URL: www.phoenixhecht.com/treasuryresources/pdf/ BBExecSumm.pdf The Association for Financial Professionals (AFP) also provides bank pricing for business online banking. A copy of the pricing information can be obtained at the following URL: http://www.afponline.org/pub/res/brm/bpd/ bpd.html Pricing Options There are several options for pricing Business ebanking. Here are some examples: Charge single vs. multiple users. The ability to set up multiple users and limit access to accounts is unique to Business ebanking. You can charge for this additional feature. Charge based on the number of accounts. You can include a limited number of accounts; for example, include two accounts and then charge for additional ones. Charge for transactions initiated with Business ebanking. Don t forget to charge for stop payments, ACH transfers, wires, etc., that are initiated via Business ebanking. Charge more for other methods vs. Business ebanking. For example, charge for a paper statement when an electronic version is available in Business ebanking. You can also charge more for wires called or faxed than for wires initiated via Business ebanking. Another pricing option is to package features of Business ebanking together and create different packages. You can also package Internet banking with other banking products. Examples of packaging include: Free Small Business: Business ebanking with a limited number of accounts, single user login and limited features (account information, internal transfers and stop payment). Also include a basic business checking account and a personal credit card or line of credit. Retail Small Business: Business ebanking with a limited number of accounts, multiple users, ACH or bill payment, and stop payment. Also include a basic business checking account, some type of credit, a merchant point-of-sale product and a closed-loop gift card. Growth Business: Business ebanking with a limited number of accounts, multiple users, ACH debits and credits, positive pay, loan reporting/payments/ advance, stop payment and wire transfers. Also include a basic business checking account, some type of credit, investment sweep and remote deposit capture. FIS ebanking SOLUTIONS 5
Infrastructure Once you know who your competition is and how you are going to price the feature, you need to focus internally. You should determine who will sell Business ebanking, who will be responsible for customer service, who will assist customers with implementation, and how you will train your organization on the features and benefits to your customers. Sales Who at your organization is responsible for selling Business ebanking? Who is your Business ebanking sales force? Lenders Will your lenders be compensated for selling Business ebanking? Cash Management Sales and Relationship Management Do you have a cash management expert at your bank? Many banks add a cash management expert to assist the lenders with selling Business ebanking and other cash management products. Branch Personnel This is the front line, the people who may talk with your Business ebanking prospects daily. Make sure they are being trained on the benefits of the product and its features, and consider some type of referral or compensation for qualified leads. Existing Customer Referrals A satisfied customer is a great resource for other prospects. Many business owners are networked with other businesses, so consider giving a referral bonus to your business customers for referring a new business to the bank. Sales Tools What tools will your sales force need to effectively sell Business ebanking? Examples include: Updated or new customer agreement Do not forget any ACH or wire supplement agreements. Updated or new demo tool How will you demo the product to prospective customers? Will you put a demo or Flash/PowerPoint presentation on your Web site? Will you set up a test account in production for sales employees to use out in the field? Updated or new marketing materials What marketing materials will you have available? Examples include: statement stuffer, branch signage, brochure and application. Updated Web site with product information Lead generation Target customer list based on what target markets you are going to pursue. Incentive Programs What incentive programs do you have in place for business products or other banking features? What kind of incentives should you offer to identify and qualify leads for Business ebanking? Example: For non-quota bank personnel, you could offer a reward or incentive for the first few qualified leads obtained for Business ebanking. In order to make this incentive successful, it is important all bank personnel are aware of the incentive before it starts, and all staff members are trained on the new feature before the campaign begins. Do not forget to determine how the administration and tracking of the incentive program will be done. Who will track the leads? How and to whom will the leads be funneled? Clearly communicate a start and end date for the campaign, and publicly announce the winners internally. Some examples of cost-effective rewards include: Breakfast, lunch or dinner with the CEO or a bank executive Time off: Extra hour of lunch Tardy permission (come into work one hour late) Half-day off Small-denomination gift cards ($5 or $10) Coffee shop, restaurant or fast food Movie rental Grocery store Gas station 6 FIS ebanking SOLUTIONS
Implementation In order to define your Business ebanking product offering, you must make a few key decisions, such as its name and Web site branding, how logon information will be distributed, and the product features and price. Then you need to decide how business end-users will be supported on the product either by FIS or by your financial institution. Determine Product Name and Web Site Branding Product Name/URL https://bankname.ebanking-services.com Web Site Branding Header Region Side Navigation Tab Navigation Page Content Product Name and URL The first decisions are to determine your product name and URL. Product name is completely discretionary; however, take the following points into consideration: FIS Support answers the phone Business Internet Banking. Options for custom support are available for additional fees. FIS fulfillment for the welcome letter is Business Internet Banking. Custom fulfillment options are available for additional fees, or the bank can do the fulfillment themselves. URL name is defined with the Business ebanking domain: https://xxxxxxxx.ebanking-services.com. The value you replace for xxxxxxxxx must be unique. For instance, the value Internet is already used; therefore, it could not be re-used by your bank. Our standard is to use your bank name. Web Site Branding The header region is composed of a bank logo, utility links and a product name. The bank logo should be 85 pixels high by 175 pixels wide (recommended) and submitted in a gif or jpg format. It can be an animated graphic. The maximum width for the bank logo is 600 pixels wide. There is no height maximum, but keep in mind you don t want to cause more scrolling for users than is necessary. The bank logo and bank home utility link can have a URL link defined for access to your bank s home or business page. The utility link s text colors can be customized. Please provide the Hex color number. The Disclosure page is accessed by clicking on the Disclosures utility link that is displayed on all Web pages. The disclosure copy may be defined and provided in an HTML file format, or defined as a re-direct URL address for disclosure information. There is no limit as to the amount of text on the screen. Links may be added to the disclosure; however, graphics may not be included. The product name and text color can be customized. Please provide the Hex color number. The background color of the header region can be customized. Please provide the Hex color number. FIS ebanking SOLUTIONS 7
Tab navigation region: The background color and text color on the selected tab (in focus item) navigation can be changed. Please provide the Hex color number. The selected tab navigation background color defaults to light grey (#efefef). The selected tab navigation text color defaults to dark grey (#393939). The background color and text color on the unselected tab (not in focus items) navigation can be changed. Please provide the Hex color number. The unselected tab navigation background color defaults to white (#ffffff). The unselected tab navigation text color defaults to dark grey (#393939). Side navigation region: The background color of the side navigation can be changed. Please provide the Hex color number. The side navigation background color defaults to white (#ffffff). The side navigation text color is the same as the unselected tab navigation text color. The side navigation In Focus Page is highlighted, and the text color is the same as the page title text color. Up to five rotating banner ads can be placed in the side navigation. The rotating banner ads require a gif or jpg file (approximately 85 pixels high and must be 165 pixel wide), a link URL address, and up to 25 characters of hover text. They can be animated graphics. Page content region: The page title text color defaults to dark grey (#393939). This can be changed if the neutral color does not match your desired branding. Please provide the replacement Hex color number. The report table headings and statement register can be customized several ways. The header background color and text color can be changed. The default colors are a dark grey and black combination. The detail alternating rows can also be changed. The default colors are alternating light grey and white. Mail message and alert box background colors are the same as the statement register alternate color. A bank can have up to four graphic links on the Welcome page (right-hand side). The Welcome page graphic links require a gif or jpg file (approximately 60 pixels high and 140 pixels wide), a link URL address, and up to 25 characters of hover text and display text. They can be animated graphics. In addition to these customizations, a bank can link to a bank privacy URL and automated enrollment from the Sign On page. 8 FIS ebanking SOLUTIONS
Determine Method of Distributing Logon Information The next major product decision you need to make is how the business end-user receives the URL and associated logon information. There are two options an automated mailing based on the customer setup performed in the Business Service Tool (BST), or you can distribute the information via your own internal processes, such as through personal delivery by the account officer. The automated distribution of logon information consists of two items, as described below. 1. Welcome/Kit Letter Standard welcome letters are provided with the business Internet banking logo. FIS receives weekly reports of the inventory level and monitors status levels. If the financial institution chooses, the letters can be custom-branded for an additional fee. The financial institution needs to provide the printed letters to the fulfillment house. 2. Security Letter The security letter provides customers with their unique company ID, password and URL. Sent via the U.S. Postal Service, these letters are automatically generated through the BST, and may be re-generated through the BST. Letters will be processed the same day for customers who are set up prior to 5:00 p.m., ET. Complete custom branding is not an option for security letters; however, you may customize the letter with the following information: Return address for the letter. Technical support phone and fax numbers. Product name. One or two sentences of copy from the financial institution that directs the customer on how to access the business Internet banking site. Billing Approach There are several options for how you can invoice your Business ebanking end-users. The Client Billing Service provides an automated billing interface to account analysis, or an automated ACH direct debit based on the pricing setup you define. Another approach is to perform pricing manually or by using your own billing system, based on the content of the FIS invoice to your financial institution. Client Billing Service The Client Billing Service allows you to bill end-user customers for Business ebanking activity and monthly service fees. Several price plans can be established to accommodate multiple types of customers. Pricing Setup Pricing can be set up and maintained through the BST. A price schedule contains all items that will be priced based on activity and is assigned to the customer during setup. Fees can be waived or scheduled to begin on a particular date, and customers can be charged through account analysis or through an ACH debit. Fee-based Billing The Fee-based Billing feature enables you to charge Business ebanking fees through a generated direct debit transaction. Plus, a DDA account or GL account may be used for crediting fees to the bank. An output file with all bank activity will be created, and an electronic invoice may be sent to the customer containing detailed debit activity. Account Analysis Billing The Account Analysis Billing feature enables you to charge Business ebanking fees through analyzed pricing on an analysis system. A debit account number, unit count and activity code will be passed based on each monthly activity. An output file with all bank activity will be created. FIS ebanking SOLUTIONS 9
Customer Service How will your business end-users receive technical support for the Business ebanking product? You can either perform this function in your organization and use FIS as second-tier support, or you can outsource support to FIS call center. Training To ensure a successful rollout of Business ebanking, it is important to train all bank staff members who interact with business customers and the Business ebanking product. Personnel to consider for training include: Sales staff Customer service Implementation staff Bank operations Branch personnel FIS Classes FIS offers four training classes for Business ebanking, including: Business ebanking Essentials One-day Instructor-led Class: Gain the knowledge you need to sell Business ebanking to your customers. In this interactive, oneday, instructor-led course, we show you how your business customers use Business ebanking to perform their everyday cash management tasks. You ll get hands-on practice using Business ebanking. If you will be demonstrating, selling, administering or setting up Business ebanking, this course is for you. Business ebanking Administration One-day Instructor-led Class: Make a deposit in your knowledge bank! Learn how to use the Business ebanking administrative tool and the Business Service Tool (BST) to set up your customers for Business ebanking. In this interactive, one-day, instructor-led course, we ll cover all of the basics to get you started, and you ll also get to practice using the BST. This course is targeted to personnel who administer Business ebanking to their customers. We also recommend you take the Business ebanking Essentials course. Business ebanking Positive Pay Overview Halfhour Self-paced Class: In this self-paced class, you ll explore the basics of positive pay using real-life examples. You ll learn about the positive pay process, check issue files and exceptions. We ll also walk through the great features positive pay provides for your financial organization as well as your business customers. Finally, you ll learn about the best type of customers for using positive pay to mitigate check fraud. This course requires a PC with a sound card. Business ebanking Enhanced Positive Pay Two-hour Self-paced Class: Learn how to use the Business ebanking administrative tool and the BST to set up your customers for Enhanced Positive Pay. This course covers all of the basics to get you started, reviews the maintenance functionality, and introduces the available reports for the BST user. You will also learn about the Enhanced Positive Pay tasks your customers will perform. This course is targeted to personnel who administer Business ebanking to their Enhanced Positive Pay customers. To learn even more, we recommend you take the Business ebanking Positive Pay Overview course. All courses are available on FIS Learning Management System (LMS). To receive a user ID and password to access the LMS, contact FIS Education and Training at 866.275.6868, options 5-3-1, or send an e-mail to fis.training@fisglobal.com. 10 FIS ebanking SOLUTIONS
Strategic Planning Before starting your marketing campaign, you should decide how you will measure the success of the program by setting objectives for the campaign. How many customers do you want to adopt business online banking in the first year of the program, in the second year and in the third? By outlining this information prior to the start of the campaign, you will be able to benchmark the success of the campaign and determine if you are doing too much, or too little, marketing. Are you staying connected to your customers after they sign up? Retention is just as important as enrollment in the success of your business online banking offering. Business online banking customers may need some encouragement to ensure they continue to use the product. Be sure to build retention objectives and measurements into your strategic plan. Objectives can be set up to measure both shortterm and long-term goals. Short-term goals can focus on things such as marketing campaign results or the return on a specific mailing. Longterm goals should focus on customer benchmarks, such as customer retention targets. An ideal objective states what you plan to accomplish, with a measurable goal and in a specific time frame. An example of an objective is: Increase business online banking usage by 15 percent by the end of the first quarter Return on investment (ROI) is one of the most important factors in determining the success of any business decision, including your marketing strategy. Having specific objectives helps you prove the ROI of your business online banking marketing efforts. When preparing your marketing plan, it is important to remember you will have both internal and external audiences. To ensure consistent messages are communicated to all of your audiences, employees need to be presented information so they can easily communicate it to customers. The tactics suggested in this marketing kit address both internal and external audiences. Most likely, your organization has an ongoing marketing campaign. It is important to integrate your business online banking marketing with your existing campaign. As you begin to market your business online banking service, make sure the components follow the same branding and graphic standards as your other marketing efforts. A program consistent with existing branding is more successful. Review your entire marketing plan to be sure you are reaching your customers, but not inundating them with too many marketing materials, which dilutes the effectiveness of your business online banking efforts. While your customers need to see your business online banking message multiple times, overwhelming them with advertising is ineffective. By integrating your business online banking marketing efforts with your overall marketing plan, you maintain a constant and appropriate level of contact with your customers. The marketing kit includes information and samples of the following tactics: Employee communications: Quick facts card Employee e-mail campaign PowerPoint template Customer communications: Postcard Customer e-mail campaign Statement insert Brochure Interior signage Mass advertising FIS ebanking SOLUTIONS 11
Employee Communications The success of your online marketing program depends on knowledgeable and involved employees who are excited about offering business online banking. However, they must be informed and educated about the product and its benefits before they receive inquiries from customers. Consider organizing promotions to encourage employees to use the business online banking offering. When employees discuss business online banking with customers, there is more impact if the employees can give a personal endorsement of the product. With good education prior to the campaign, any member of your team is able to answer questions and provide customers with a consistent message about the business online banking solution. As with your customers, communicating with your employees is most effective if it s done in a variety of ways that reinforce consistent messages. The following are some suggestions on how to accomplish this. [Bank Product Name] Quick ikfacts [Bank Product Name] gives your business customers the power to: View a copy of their bank statement online View account balances and transaction details, including check images Schedule future and repeating transfers between accounts Make loan payments and request loan advances Export information, in a CSV and BAI2 format, to Microsoft Money, Money Plus, Quicken, and QuickBooks Set up multiple users - Limit user access to specific accounts - Limit user access to specific services - Assign a daily transaction limit to users Set up account alerts to be notified of important account activity Sign up for bill payment pay and view bills online Create a stop payment request for a single check or a range of checks Reorder checks online Initiate direct deposit of payroll Make state and federal tax payments Initiate collections with ACH debits Send money internationally with wire transfers Fight check fraud with our positive pay feature Features: Realtime deposit and loan account information Realtime funds transfers Realtime stop payments Bill presentment and payment ACH initiation Wire transfers Positive pay EDI reporting Online statements Data export: CSV, BAI2, Microsoft Money, Money Plus, Quicken and QuickBooks Free customer support via toll-free phone or e-mail Customer benefits: Ability to perform own banking transactions Increased productivity Flexibility to bank at any time, day or night Greater control over cash flow and forecasting Instant access to bank account information Secure transaction processing Toll Free Help Line [1-800-XXX-XXXX] 12 FIS ebanking SOLUTIONS
Quick Facts Card A Quick Facts Card is an easy reference tool to help your employees answer questions about business online banking. (The card could also be edited for use as a customer communication.) It includes: A list of business online banking features The main advantages of using business online banking The most commonly asked questions about business online banking Instructions for enrolling in the new business online banking service Size: 8.5 x 11 Paper: 80 lb. cover (minimum weight) Ink: 4-color [Bank Product Name] Quick Facts [Bank Product Name] gives your business customers the power to: View a copy of their bank statement online View account balances and transaction details, including check images Schedule future and repeating transfers between accounts Make loan payments and request loan advances Export information, in a CSV and BAI2 format, to Microsoft Money, Money Plus, Quicken, and QuickBooks Set up multiple users - Limit user access to specific accounts - Limit user access to specific services - Assign a daily transaction limit to users Set up account alerts to be notified of important account activity Sign up for bill payment pay and view bills online Create a stop payment request for a single check or a range of checks Reorder checks online Initiate direct deposit of payroll Make state and federal tax payments Initiate collections with ACH debits Send money internationally with wire transfers Fight check fraud with our positive pay feature Features: Realtime deposit and loan account information Realtime funds transfers Realtime stop payments Bill presentment and payment ACH initiation Wire transfers Positive pay EDI reporting Online statements Data export: CSV, BAI2, Microsoft Money, Money Plus, Quicken and QuickBooks Free customer support via toll-free phone or e-mail Customer benefits: Ability to perform own banking transactions Increased productivity Flexibility to bank at any time, day or night Greater control over cash flow and forecasting Instant access to bank account information Secure transaction processing Toll Free Help Line [1-800-XXX-XXXX] FIS ebanking SOLUTIONS 13
Employee E-mail Series An e-mail is another way to give employees an overview of business online banking, its advantages and create excitement about the program. Begin the e-mail series just prior to the external launch of your business online banking service. You also may want to use an e-mail to provide information about contests for customer referrals or other promotions, which generates awareness, usage and enthusiasm for the business online banking solution within your organization. 14 FIS ebanking SOLUTIONS
Customer Communications When developing a marketing campaign, it is important to evaluate the advantages of various media when considering your marketing mix. For example, print advertising has a broad reach, direct mail can be targeted to well-defined groups, and the Web combines many of these audiences. As with any marketing effort, a series of integrated messages using several media is the most effective. When planning the sequence of your marketing components, organize the pieces so they are received at the same time as the other campaign components. When consumers see marketing messages in multiple places, they are more likely to notice, listen and act on the information. Whatever you decide to use, all of the pieces should integrate into the overall look and tone of the business online banking marketing campaign, with a tie to your organization s brand identity. [Bank Address] [Bank City, State, Zip] [Bank Product Name]: It s About Time! With [Bank Product Name], you have more time to focus on your business. Whether you want to pay bills, schedule recurring transactions or reconcile your accounts, [Bank Product Name] puts you in control, saving you both time and money. Because the product is so easy to use, your banking will go faster than ever. Then, you can spend your time on what s really important: growing your business. For more information about the benefits of [Bank Product Name], visit [Web Address] or call [1-800-XXX-XXXX]. [Bank Product Name]: Finally the flexibility you want when it Application Sign up today for [Bank Product Name] comes to your business banking. [Bank The Flexibility Product Name] supports multiple users, so you General Information: Please print Contact Information can provide different employees with varying You Want, levels of access to accounts and services. You Business Name Authorized Signer also have the choice to set up transaction limits or require multiple approvers for certain the Security DBA/Trade Name (if different) Title transactions which will help improve your Phone security. With [Bank Product Name], you can You Need Mailing Address customize your options while you safeguard City State ZIP E-mail your business. Street Address (if different) Doing your banking used to mean going to the bank. But now with [Bank Product Name] you City State ZIP can bank whenever and wherever you want. Phone Fax All you need is a computer with an Internet connection and you re ready for the ease, Tax ID convenience, flexibility, and power to access your accounts and manage transactions s no matter Business Type: Check one where you are. Sole Proprietorship Non-Profit Corporation S Corporation General Partnership C Corporation Limited Liability Company (LLC) Trust Limited Liability Partnership (LLP) Other [Bank Product Name] uses the latest technology to provide the highest level of security available Account Information: Please list the accounts you would like to access through Internet banking, and indicate the account type. so you can feel confident that your personal bank Account Type: Account Numbers: information remains personal. Checking Savings Loan Money Market Checking Savings Loan Money Market Checking Savings Loan Money Market Signing up is easy! Go to [Web Address] Checking Savings Loan Money Market or complete the attached application and Checking Savings Loan Money Market return it to: Checking Savings Loan Money Market [Bank Product Name]: Are You Sure You Have the Right Tool for the Job? With advanced solutions for your unique needs, [Bank Product Name] provides the tools to help your business succeed. For more information about the benefits of [Bank Product Name], please speak with a bank representative. [Department] [Bank Name] [Bank Address] [Bank City, State, Zip] Services: Please indicate the optional features that you are interested in using with Internet banking. Bill Payment Payroll Direct Deposit Tax Payments ACH Transfers Wire Transfers QuickBooks Download Applicant s Signature: You certify that all the information provided is complete, true, and correct. By signing below, you authorize [Bank Name] to check any of the information provided, including account history. Applicant s Signature Date FIS ebanking SOLUTIONS 15
Postcard The postcard offers the advantages of direct mail at a much lower mailing and production cost than larger pieces. It also delivers a more concise message. A postcard can be designed to stand alone or work with other direct mail components and features a main message, a brief explanation of the business online banking service, and a call to action focusing on a special offer or incentive for enrollment. Size: 9 x 6 Paper: 80 lb. cover (minimum weight) Ink: 4-color (three themes to choose from) [Bank Product Name]: ur Are You Sure You Have the Right Tool for the Job? [Bank Address] [Bank City, State, Zip] [Bank Product Name]: The Flexibility You Want, the Security You Need [Bank Product Name]: It s About Time! With [Bank Product Name], you have more time to focus on your business. Whether you want to pay bills, schedule recurring transactions or reconcile your accounts, [Bank Product Name] puts you in control, saving you both time and money. Because the product is so easy to use, your banking will go faster than ever. Then, you can spend your time on what s really important: growing your business. For more information about the benefits of [Bank Product Name], visit [Web Address] or call [1-800-XXX-XXXX]. 16 FIS ebanking SOLUTIONS
Customer E-mail Series E-mail is an ideal medium for multiple messages. By reaching your target market frequently with different benefit messages, you can rapidly build your brand identity and stay in the forefront of your customers minds. Consider conducting an e-mail campaign for customers. E-mail is especially effective with a qualified list of recipients. The first e-mail should target your current customers and highlight the convenience and service online banking provides. It also offers general online banking information and benefits, plus an easy enrollment response device. Include contact information, as well as a link to your bank s Web site for additional information. Because e-mail has a low cost per contact, send this message to all of the customer e-mail addresses you have. Always ask for e-mail addresses on your forms and other correspondence to build your e-mail database list. FIS ebanking SOLUTIONS 17
Statement Insert Statement inserts are an inexpensive way to market business online banking to your customer base, since you are already spending postage dollars to mail their monthly statements. The statement insert uses the main campaign theme on one side and integrates the other campaign components your customers may already have seen or received. A concise explanation of business online banking benefits, along with special offer information, is on the other side. Size: 3.5 x 8.5 Paper: 80 lb. text (minimum weight) Ink: 4-color (three themes to choose from) [Bank Product Name]: It s About Time! [Bank Product Name]: The Flexibility You Want, the Security You Need Finally the flexibility you want when it comes to your business banking. [Bank Product Name] supports multiple users, so you control which employees are able to: View bank statements View account balances and transition details in realtime View front and back images of cancelled checks Transfer funds in realtime set up one-time or recurring payments Issue stop payment requests in realtime Reconcile accounts with the ability to export data to Microsoft Money, Money Plus, Quicken, and QuickBooks Make loan payments and initiate loan advances Reorder checks Initiate direct deposit of payroll View and pay bills Pay state and federal tax payments Send money internationally with wire transfers Fight check fraud with positive pay Set up alerts to be notified of important account activity Plus, you have the choice to set up transaction limits or require multiple approvers for certain transactions which will help improve your security. Visit[W [Web Address] today and fill out an online application, or call [1-800-XXX-XXXX]. [Bank Product Name]: Are You Sure You Have the Right Tool for the Job? 18 FIS ebanking SOLUTIONS
Brochure The brochure is designed to be a quick reference, addressing the most common customer questions about business online banking while highlighting the main features and benefits. The multi-use format allows you to distribute it at your bank or include it as an insert in other customer mailings. This is an ideal take-away piece since it includes a call/write/click reply section for those interested in a demonstration or further information. Flat Size: 10.375 x 7.5 Folds to: 3.5 x 7.5 Paper: 100 lb. text (minimum weight) Ink: 4-color (three themes to choose from) [Bank Product Name]: It s About Time! [Bank Product Name]: Finally the flexibility you want when it Application Sign up today for [Bank Product Name] [Bank Product Name]: comes to your business banking. [Bank The Flexibility Product Name] supports multiple users, so you General Information: Please print Contact Information Are You Sure can provide different employees with varying levels of access to accounts and services. You You Want, Business Name Authorized Signer You Have also have the choice to set up transaction action limits or require multiple approvers for certain the Right Tool the Security DBA/Trade Name (if different) Title transactions which will help improve your Mailing Address Phone security. With [Bank Product Name], you can for the Job? You Need customize your options while you safeguard City State ZIP E-mail your business. Doing your banking used to mean going to the Street Address (if different) bank. But now with [Bank Product Name] you City State ZIP can bank whenever and wherever you want. All you need is a computer with an Internet Phone Fax connection and you re ready for the ease, Tax ID convenience, flexibility, and power to access your accounts and manage transactions no matter Business Type: Check one where you are. Sole Proprietorship Non-Profit Corporation Limited Liability Company (LLC) T [Bank Product Name] uses the latest t technology to provide the highest level of security available so you can feel confident that your personal bank information remains personal. Checking Savings Loan Money Market Signing up is easy! Go to [Web Address] or complete the attached application and return it to: [Department] [Bank Name] [Bank Address] [Bank City, State, Zip] Sole Proprietorship Non-Profit Corporation S Corporation General Partnership C Corporation Limited Liability Company (LLC) Trust Limited Liability Partnership (LLP) Other Account Information: Please list the accounts you would like to access through Internet banking, and indicate the account type. Account Type: Account Numbers: Checking Savings Loan Money Market Checking Savings Loan Money Market Checking Savings Loan Money Market Checking Savings Loan Money Market Checking Savings Loan Money Market Services: Please indicate the optional features that you are interested in using with Internet banking. Bill Payment Payroll Direct Deposit Tax Payments ACH Transfers Wire Transfers QuickBooks Download Applicant s Signature: You certify that all the information provided is complete, true, and correct. By signing below, you authorize [Bank Name] to check any of the information provided, including account history. Applicant s Signature Date FIS ebanking SOLUTIONS 19
Interior Signage Signage reminds your customers of the various aspects of your business online banking solution they may already have seen. Interior signage provides an easy way to identify your service and raise questions about your business online banking offering. At the same time, it builds your organization s brand identity. The signs should be integrated into the overall look and tone of your electronic banking marketing campaign. Your organization s logo should be prominently displayed, pairing the innovative business online banking capabilities with your organization s identity. The signs help build the image of your organization as one that takes its customer relationships seriously, and finds and offers new solutions to help improve customer service. Signs should be prominently displayed throughout branch locations and in any customer service areas. Place the brochure in your customer service area as well. The signs help drive potential business online banking customers to pick up the brochure. Correct sign placement is essential. You want signs where they will have maximum visibility. The following guidelines will help create a compelling display that attracts and informs your customers, without dominating valuable workspace. Number Correct placement of signs usually means fewer are required. Too many signs creates a cluttered appearance and makes it difficult for the viewer to find the information needed. Visibility Placement of signs near sufficient lighting is critical. Colors need to be considered as well, as this has a critical effect on visibility. Size Signs should be easily readable and take into consideration the size of your display area. A sign that is too small will be lost; one that is too big will overwhelm an area. Placement Signs should be placed where they will not create distractions. Care should be taken to avoid grouping too many signs together in one location. Small sign panels placed for close viewing should be at eye level. Larger signs posted in big spaces for viewing at greater distances should be placed proportionately higher. Signs should not be placed where objects may obscure them. 20 FIS ebanking SOLUTIONS