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A new checking account is only the beginning. For community financial institutions, the first 90 days after account opening can reveal whether a consumer is moving toward a lasting relationship or quietly drifting away.
Direct deposit, transaction activity, digital engagement, balance patterns, and evidence of primacy can all provide meaningful signals of relationship strength. When banks and credit unions look beyond account counts, they gain a clearer view of whether new accounts are becoming active, engaged, and valuable over time.
Use this infographic to explore five early signals that can help identify whether a new account is becoming a lasting relationship.

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About ADVANTAGE
ADVANTAGE partners with community banks and credit unions to drive sustainable growth and operational efficiency. With more than four decades of industry experience, ADVANTAGE delivers data-driven solutions that help financial institutions expand market share, strengthen non-interest income, and improve technology utilization.