Retail Branch Suite
Relationship Deepener · Product Matcher · Rate Explainer
Relationship deepener
Product matcher
Rate explainer
Relationship deepener
Quick household needs analysis — surface cross-sell opportunities and verbatim conversation starters
Tell me about this customer
1. What life stage best describes this customer?
Young / single
Young couple / new family
Established family
Empty nester
Near retirement
Retired
2. What are they in for today?
Deposit / withdrawal
Account question
Opening new account
Loan inquiry
Business transaction
Complaint / issue
3. Current products with us (select all that apply)
Checking
Savings
Debit card
CD
Money market
Mortgage
Auto loan
HELOC
Credit card
Business account
Online banking
Mobile deposit
4. Any life events or changes mentioned?
New job / raise
Getting married
Having a baby
Buying a home
Starting a business
Kid starting college
Inheritance / windfall
Retiring soon
Selling a home
Moving to area
5. How would you describe their mood / receptiveness?
Open and chatty
Neutral / polite
In a hurry
Frustrated
Long-time loyal customer
Generate relationship opportunities
Cross-sell opportunities + conversation starters
Answer the questions above and click Generate.
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Deposit product matcher
Enter a customer's situation — get a ranked product recommendation with plain-language rationale
Customer situation
Amount to deposit / invest ($)
Liquidity need
Needs access anytime (fully liquid)
Could wait 30 days if needed
Comfortable with 3–6 months
Fine locking up 6–12 months
Can commit 1+ years
Primary goal
Safety / FDIC protection
Best possible yield
Emergency fund
Saving for a specific goal
Parking funds temporarily
Business operating reserve
Tax sensitivity
Not a major concern
High tax bracket — wants efficiency
Wants tax-deferred growth
Rate environment preference
Wants to lock in rates now
Wants to stay flexible
No strong opinion
Current rates (update to match our current rates)
Savings (%)
0.50%
Money market (%)
4.00%
6-month CD (%)
4.50%
12-month CD (%)
4.75%
24-month CD (%)
4.25%
Money market
Best liquid rate
4.00%
12-month CD
Best locked rate
4.75%
—
Best available rate
$0
Est. annual interest
—
Top recommendation
Get product recommendation
AI product recommendation + plain-language rationale
Fill in the customer situation and click Get product recommendation.
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Rate explainer
Generate plain-language explanations of rates, products, and financial concepts for any customer
What does the customer want to understand?
Topic
APY vs APR — what's the difference?
CD vs money market — which is better?
What is a CD ladder?
Why is my savings rate so low?
How does FDIC insurance work?
What is an earnings credit rate?
Money market vs regular savings
CD early withdrawal penalties explained
Custom — describe below
Custom topic (if selected above)
Customer profile
Everyday consumer — not financial-savvy
Financially aware — wants specifics
Senior — prefers simple, clear language
Business owner — ROI focused
Young adult — first time saving
Illustrate with this amount (optional, $)
Current rates (for illustration)
Savings
0.50%
Money market
4.00%
6-month CD
4.50%
12-month CD
4.75%
24-month CD
4.25%
Rates sync from Product Matcher sliders.
Generate customer explanation
Customer-ready explanation
Select a topic and click Generate.
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