Case Study: Regional U.S. Bank achieves primary commercial customer relationships and deposit growth with Bottomline's Digital Banking IQ

Regional U.S. Bank Poised to Win Primary Customer Relationships with Digital Banking Transformation

A $9+ billion regional community bank with 42 branches sought to become the primary payments and cash-management partner for middle‑market commercial clients ($50M–$250M revenue) but was losing operating accounts and deposits to larger banks because its core processor’s online cash-management capabilities were limited. To attract and retain digitally demanding decision-makers and grow treasury services revenue, the bank needed a secure, scalable commercial digital banking solution that could replace its legacy online business banking experience.

The bank selected Bottomline’s Digital Banking IQ platform for its AI-driven engagement, behavioral insights, robust fraud protection and fast core integration. The platform went live nine months after kickoff, onboarded nearly 7,000 customers in year one via an accelerated NGI integration and proactive customer-readiness plan, and has driven measurable growth in deposit accounts while positioning the bank to capture more treasury fees and win primary commercial relationships.