How banks and credit unions can leverage account opening platforms to grow wallet share and build relationships that last

Building strong account holder relationships is more important than ever and account opening is a key moment to do this. Today’s customer and member expectations are shifting and primacy is at a crossroads. Account holders expect seamless, digital-first experiences across every interaction with their financial institutions, whether online, in branch, or in the field. Technology has the power to make or break a relationship, and the right physical and digital account opening technology can be a strategic enabler of business goals. Financial institutions that embrace digital innovation in these moments set themselves apart as leaders who can deliver both convenience and trust.

MANTL helps regional and community banks and credit unions redefine relationship banking with technology that simplifies origination, accelerates growth, and deepens product adoption. Here’s how key MANTL features help financial institutions achieve these goals:

Omnichannel Account Opening

MANTL enables financial institutions to deliver a connected digital account opening experience across every channel, whether it’s in branch, in the field, from a call center, or online. Real-time data and progress syncing across devices allows applicants to start the application process on one channel and complete it on another.

This flexibility is key to meeting applicants where they are and delivering the convenience they expect. Modern omnichannel account opening gives bankers the opportunity to engage more meaningfully, repositioning them from administrators to trusted advisors.

Leading financial institutions like Financial Plus Credit Union now offer applicants the ability to start an application online and resume it in branch seamlessly, with the same experience regardless of the channel.

Direct Deposit Switching

Direct Deposit Switching with MANTL transforms the post-account opening experience into a moment of engagement and activation, and helps financial institutions strengthen primacy from day one. Account holders can easily update their direct deposits to their newly opened account during the onboarding flow itself, without paperwork or payroll delays.

This functionality enhances account holder satisfaction and makes the new account where deposits land first and daily financial activity begins. That primacy helps financial institutions retain account holders and build stickier, more valuable relationships.

Bulk Account/Share Opening

With Bulk Account/Share Opening through MANTL, bankers can open multiple accounts/shares through a single application workflow in the MANTL Console. The single application improves both applicant and employee experience, while increasing overall operational efficiency.

By making it easier for applicants to open multiple accounts/shares, bankers can grow wallet share, turning single-product applicants into multi-product account holders. Bulk Account/Share Opening is particularly transformative for business account opening. When an applicant needs to open a dozen or more business accounts during a single branch visit, they can complete the entire process with one application.

Products for Every Account Holder Milestone

MANTL supports a range of deposit account opening and loan processing, creating a seamless, end-to-end experience across all account holder touchpoints and product needs. It enables financial institutions to serve customers and members holistically, responding to every life event and milestone with relevant products, from personal loans to trust accounts to business checking.

This continuity and depth of service strengthens relationships, making it easier for account holders to consolidate their financial lives with a trusted financial partner. Midwest BankCentre, for instance, found that account holders who experienced a streamlined account opening process began consolidating more of their financial relationships with the bank, with some maintaining multiple account types across their entire financial life.

Seamless Cross-Sell

By unifying retail and business deposit account opening and loan origination onto a single platform, MANTL enables more streamlined cross-selling between products and business lines. Financial institutions can deliver greater lifetime value through proactive upsell, personalized offers, and an intuitive experience that converts applicants across all banking channels.

With seamless cross-sell capabilities, banks and credit unions can offer the right deposit and loan products to each account holder at the right time, on any channel. This approach will increase the likelihood for that customer or member to respond to their relevant offer; expanding wallet share. Once an applicant begins a new product application, automated reengagement emails support greater conversion rate.

MANTL customer ConnectOne Bank experienced this firsthand, raising more than $250 million in deposits from existing customers in 2025. Their story demonstrates how financial institutions that invest in the right account origination platform can optimize deposit growth at a fraction of the cost of acquiring new account holders.

Relationship banking redefined

MANTL empowers financial institutions to turn every account holder interaction into an opportunity to build stronger relationships. Banks and credit unions can deliver seamless digital account opening experiences, automate manual processes, streamline operations, and leverage data with ease. MANTL delivers a modern platform with embedded capabilities that increase customer and member primacy.