Case Study: First State Bank achieves 67% net profit increase with Jack Henry Banking's Relationship 360

First State Bank - Customer Case Study

First State Bank, a $475 million community bank in Middlebury, IN, wanted to attract new customers, grow core deposits and strengthen existing relationships while competing with banks offering rewards products. To meet those goals the bank turned to Jack Henry Banking and implemented its Relationship 360 rewards solution to drive debit card usage, increase fee income and promote electronic statements.

Jack Henry Banking’s Relationship 360—fully integrated with the bank’s CIF 20/20 core and highly customizable—enabled First State Bank to launch a Rewards Checking program that increased debit usage, raised e‑statement adoption and reduced paper costs. In year one enrolled accounts delivered a 67% net profit increase and generated an additional $7.32 per reward account per month; the solution was easy to implement, low‑maintenance, and delivered measurable gains in fee income and customer retention.

First State Bank

Randy Miller

Senior Vice President