Case Study: Capital Bank boosts average balances 3x and lifts customer profitability with Saylent's Account360

Capital Bank - Customer Case Study

Capital Bank, a nationally chartered commercial bank with 163 branches across five states, needed a way to boost customer profitability, improve satisfaction, and stand out from competitors. Their existing third‑party rewards checking solution wasn’t delivering the flexibility or results required to meet those goals.

They migrated to Account360™, a customizable relationship product and pricing platform that delivered actionable analytics and dynamic pricing. By redesigning products (for example adding a reward tier to CashBack Checking to encourage larger debit transactions) and automating operational tasks, the bank drove strong results: average account balances tripled, debit card usage rose 92%, eStatement use increased 10x, annual account profitability grew by about $230 (monthly profit +$19) and lifetime customer value increased by $2,507.

Capital Bank