Customer Profile:

• 26 year old college graduate
• Recreation director at the YMCA
• Checking account in national bank

Cash Banking behavior:

1. Uses check cashing store on payday.
2. Bill pay service for overdue cell phone bill.
3. Visits bank to make cash deposit for rent.
4. Needs $150 advance for car repairs.

Customers that would have been considered mainstream “banked” deposit customers have been revealed as Alternative Financial Services (AFS) users.  AFS can represent $38,441 per branch per month in revenue enhancement with existing deposit customers even while providing cost savings to the consumer.

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