Turn On the Value: Leveraging Your Account Analysis System

At banks who are just starting out developing their Treasury Management departments, the Account Analysis System (AAS) sits dormant, effectively cutting off a major source of insight - and revenue. Leveraging your Account Analysis System can solve this. This is part 2 of our 8-part series on Why Treasury Management Excellence Matters.

Without AAS turned on, you’ll typically rely on "hard charges," manually charging business customers for treasury management services. Not only do customers dislike hard charges, but you also miss the opportunity to offer a more sophisticated, professional experience for commercial customers.

Turning on the AAS unlocks several important advantages. It allows you to automatically produce monthly account analysis statements that detail customer activity, service usage, and balances. These statements serve as "X-rays" into customer behavior, revealing cross-sell opportunities and helping align deposit strategies with treasury management service usage.

Perhaps most importantly, AAS enables soft charging - allowing customers to offset fees with their core deposits through earnings credit, rather than being hit with unexpected hard charges.

Activating the Account Analysis System isn't just a technical task. It requires reviewing your pricing structure, educating your staff, and preparing to deliver high-quality services to business customers. It also signals to business customers that your bank is equipped to handle their full commercial banking needs.

If your Account Analysis System is turned off, you are limiting your institution’s ability to manage treasury management profitability and strengthen commercial relationships.

Just starting out with treasury management services? Our Treasury Management Implementer training program might be for you.
👉 Learn more about our Treasury Management Implementer Program