Bank of Tennessee
Small Business Referral Spotter
For branch staff — identify cash management referral opportunities
Customer basics
Quick triage — what did you observe?
1. How does this customer typically make deposits?
2. Have they mentioned payroll, vendors, or paying employees?
3. How many bank accounts does this business appear to use?
4. Any signs of fraud concern or cash handling challenges?
5. How engaged / receptive does the customer seem today?
Referral score
Low priorityWarm leadHot referral