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Free checking isn’t free.  It costs $320 to service an account each year.  As a result, 21% of traditional FI accounts are unprofitable. 

That’s why more and more financial institutions are choosing to offer our suite of non-traditional deposit products to retain existing customers, as well as to attract new customers.

By offering these alternative products, you can expect to generate $60-$120 a year in contribution income on a typical customer.

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Revenue streams include fee income from card issuance and usage (you set the rates); interest free deposits and a share in interchange revenue.

In addition, of course, you can benefit from the opportunity to develop full banking relationships with these customers.