AxyoAxyoCustomer Retention and Cross‑Sell Request a demo
Banks and credit unions

Retain your customers, and deepen every relationship

Axyo warns your bankers when a customer’s money starts moving to another bank, and spots the right moment to offer the next product.

Get your free Retention AssessmentHow it works
Core deposits leaving in a yearIllustrative

A community bank with $3B in core deposits

Today10% of core deposits
$300Mleaving this year
$60Mretained with Axyo

 

Where it’s going
20%of retail bank customers moved money away from their primary bank in the last 3 months1
3 bankson average, where checking customers hold deposit accounts1
58%of bank executives name deposit gathering their top concern for 20262
28%of small business owners may switch their primary bank within 6 months3
Where to start

Where deposits leave, and where you can cross-sell

In the sample bank, $300M of core deposits will leave this year. Sample bank · illustrative

Paychecks moving elsewhere$96Ma year, from 2,100 householdsThe paycheck still lands here, but part of it now goes to another bank, or most of it moves out within two days.What Axyo does Business money moving$72Ma year, from 240 businessesPayroll, card sales or spare cash now run through a provider banked somewhere else.What Axyo does Loans paid to other lenders$184Min balances, from 2,940 householdsAuto loans, mortgages and cards your customers pay from their checking account here.What Axyo does
Why it happens
Why now

Customers spread their money, and you can see where it goes

The account stays open, the money leaves

One in five customers moved money away from their primary bank in the last three months, up from 17% a year earlier.1

Insured deposits stopped growing

In the second quarter of 2026, large uninsured balances drove all deposit growth, and community bank loans grew faster than deposits.4

Every paycheck is now labeled

Since March 20, 2026, payroll direct deposits must say PAYROLL, so a paycheck that moves is easy to see.5

Small businesses shop around

More than half of owners would switch banks for better digital tools.3

Estimate

Estimate what quiet attrition costs your bank

Set your core deposits and adjust the assumptions. Your free assessment uses your real numbers.

$3.0B
$500M$100B
Assumptions

The yearly saving is what you would otherwise pay to replace the deposits you retain, with higher-cost funding. It is value, not profit.7

Leaving every year$300M10% of core deposits
Retained with Axyo$60M20% of what would leave
Saved every year$1.2MFunding you don’t have to replace, at 2.0%
Why it happensGet your own numbers, free
Why it happens

Most of the money leaves while the account stays open

Reports that count closed accounts miss it. Customers keep the account, and move the paycheck, the savings or the business’s cash somewhere else.

The payment already says where the money went

Every transaction carries a description. Axyo reads it, finds who is on the other side, and links it to the household or business.

What your current tools miss

Each one helps. None follows the money to where it goes, sizes it, and puts it in front of the banker who can act.

Sees itPartlyMisses it

More than keeping deposits

A lower cost of funds

A call, or a relationship rate for the few who need it, instead of a promotion for everyone.

Every loss costs more to replace

A lost checking customer takes about $8,600 in balances. A new one brings about $6,300.6

Two relationships, not one

Business owners who also bank personally with the same bank are more satisfied with it.3

What Axyo doesSee a sample assessment
What Axyo does

A warning with the next step, for every household and business

Axyo monitors every account, payment and relationship continuously. Routine actions run within your rules, and the right banker gets every decision, with what it’s worth.

Your rules, your call

Axyo recommends, and your team accepts or overrides. Routine actions, like CD renewal reminders and in-app messages, can run on autopilot within your rules. Rate exceptions, credit offers and account decisions always go to a person.

SettingsExample
ActionHow it runsApplies to
CD renewal remindersRecommendAutopilot30 days before maturity
In-app savings checkRecommendAutopilotCustomers who opted in
Relationship rateRecommendAutopilotApproved by your pricing lead
Firm credit offerRecommendAutopilotAfter your prescreen check
Warn me above$25,000 in deposits
Watch paychecks down40% or more
Texts and callsOnly with consent on file
Who gets which warningBranchesBusiness bankingLending

Built for how banks are regulated

The rules run inside every action, and every action is logged with its evidence and the rule it passed.8

Your data stays yours

Axyo works as your service provider, under contract. Your data is used only for your own results.

Credit offers follow prescreen rules

Firm offers only after your prescreen check, and mortgage trigger leads only for your own customers.

Rates are approved and disclosed

Every relationship rate goes to your pricing lead, with the terms disclosed as Truth in Savings requires.

Calls and texts follow consent

Marketing texts go only where consent is on file, and opt-outs are honored in every channel.

Fair lending, by design

No prohibited basis, or a close stand-in for one, decides who gets an offer. Results are tested by group.

No strings on credit

Business customers are never required to buy one product to get a loan.

How it worksSee a sample assessment
See it work

A sample Retention Assessment

Three answers, about a week after you send three core extracts. Illustrative

Last 12 months$306Mof core deposits left, 72% of it from accounts still openAxyo would have warned of $171M at least 30 days aheadSee where it went Next 12 months$60Mof deposits you can retain, and $1.2M a year savedPlus $184M of loans your customers pay to other lendersSee what you can retain As of today4 cases$7.4M at stake, most urgent firstAct first on: the Rivera household, within 3 daysSee today's cases
How it works

From your core data to a warning for every household and business

Each layer builds on the one before it.

Next: Get started
Get started

Start with a free Retention Assessment

Results in about a week, and live warnings from week two.

Day 1Files

Send three core extracts: customers and accounts, 12 months of transactions, and closed accounts and maturities. See the list

Week 1Results

The deposits that left last year and where they went, what you can retain this year, and today’s cases.

Week 2Review

Go over the results with Axyo, and agree on your thresholds, consent rules and who gets which warning.

Week 2 onLive

Warnings go to each banker, in your CRM or by email, and results are measured against a control group.

To agree on in the first meeting
  • What counts as a primary customer at your bank
  • Which consents you hold for calls, texts and email
  • Who approves rate exceptions, and up to what amount
  • Your prescreen rules for credit offers
  • Your dollar threshold for warnings
  • How long to hold a control group, to measure what worked

Annual subscription, billed monthly, cancel anytime. The assessment shows the payback before you commit.

Get your free Retention AssessmentRequest a demo

How success is measured

We agree the baseline first, and measure every action against a control group.

MeasureWhat it tracksGoal
Deposit attritionBalances that leave in a year, including from accounts that stay openDown
Primary householdsHouseholds with a paycheck or regular deposits hereUp
Products per householdDeposit and loan products held, on averageUp
Cost of depositsInterest paid on deposits, as a share of balancesDown
Rate exceptions not neededExceptions given to customers who were not at riskDown
Counterparty match rateOutflow dollars where Axyo knows who received themUp
Warnings acted on in timeWarnings with an action before the deadlineUp
Market benchmarks, from J.D. Power1
20%of bank customers moved money from their primary bank in 3 months3institutions where the average checking customer holds deposits59%of credit union members have checking somewhere else

Who benefits

Each team gets what it needs from the same warnings.

Frequently asked questions

We’ve built this before, at enterprise scale

Fortune 100payments company where our founders built the risk, data and customer 360 platforms
1,000+key risk indicators monitored there
Hoursfrom signal to alert
30+data and AI patents held by our founders

See it in your bank.

Send three core extracts. In about a week, see the deposits that left last year and where they went, which ones Axyo would have warned you about in time, and who to call today.

Get your free assessmentRequest a demoSee a sample
Sources and notes
  1. 1
    J.D. Power 2026 U.S. Retail Banking Satisfaction Study, March 26, 2026, based on 107,059 customers of the largest U.S. retail banks: 20% moved money away from their primary bank within the past three months, up from 17%, and the average checking customer holds deposit accounts at three institutions. J.D. Power 2026 U.S. Credit Union Satisfaction Study: 59% of members have checking and 56% have savings at another institution. Retail banking study · Credit union study
  2. 2
    Cornerstone Advisors, What’s Going On in Banking 2026, as reported by CUNA Strategic Services: 58% of bank executives name deposit gathering their top concern for 2026, and 69% of credit union leaders name new member growth. Source
  3. 3
    ProSight, Small Business Banking in 2026, July 2026, a survey of 600 small business owners: about 28% may look for a new primary institution within six months; more than half would switch for better digital tools; the primary institution holds more than two-thirds of a business’s deposits. J.D. Power 2025 U.S. Small Business Banking Satisfaction Study: 84% of small business customers also hold a personal account at their bank, and they score 64 points higher on satisfaction. ProSight · J.D. Power
  4. 4
    FDIC Quarterly Banking Profile, second quarter of 2026: domestic deposits rose 0.8%; estimated uninsured deposits accounted for all of the increase, while insured deposits decreased slightly. Community banks: deposits up 0.4% in the quarter and 4.6% over the year; loans up 1.6% and 5.1%. FDIC · Crane Data · ICBA
  5. 5
    Nacha rule on company entry descriptions, effective March 20, 2026: “PAYROLL” is required on PPD credits for wages, salaries and similar pay, and “PURCHASE” on WEB debits for online purchases of goods. Source
  6. 6
    Curinos, a deposit analytics firm, January 2026: lost checking customers held about $8,600 in balances on average, against about $6,300 for new accounts. Vendor research. Source
  7. 7
    The sample bank in Axyo’s value model: $3.0B in core deposits, 10% of which leave in a year. The 10% follows Haberfeld’s 2025 client data on checking attrition, a vendor source. Axyo is assumed to help retain 20% of the deposits that would leave. Replacing a lost deposit with higher-cost funding is taken at 2.0% a year, close to the 2026 gap between the federal funds rate and the average cost of deposits; Curinos estimates $11M of extra cost per $1B of deposits lost, about 1.1%, as a lower case. The yearly saving is value, not profit. Haberfeld · Curinos
  8. 8
    Rules applied: Regulation P service provider exception (12 CFR 1016.13); Fair Credit Reporting Act prescreened firm offers (15 U.S.C. 1681b(c), 12 CFR 1022.54); the Homebuyers Privacy Protection Act, in effect since March 2026, which limits mortgage trigger leads to lenders the consumer already banks with or has consented to; Truth in Savings, Regulation DD (12 CFR 1030), and NCUA Part 707 for credit unions; the Telephone Consumer Protection Act (47 CFR 64.1200) and CAN-SPAM; Regulation B (12 CFR 1002), amended effective July 21, 2026; and the bank anti-tying rules (12 U.S.C. 1972). Reg P · FCRA · Mortgage trigger leads · Reg DD · TCPA · Reg B · Anti-tying
  9. 9
    Standards the matching attributes follow: the Customer Identification Program rule (31 CFR 1020.220) and the beneficial ownership rule (31 CFR 1010.230); the Nacha ACH record formats (company name, company ID, entry description and Standard Entry Class code); ISO 20022 payment messages (debtor and creditor); and ISO 18245 merchant category codes. CIP rule · Beneficial ownership · Nacha · ISO 20022
  10. 10
    The sample bank, its customers, payments, cases and amounts are illustrative: fictional, with realistic patterns. Your assessment uses your own data and external signals.
Illustrative examples10