Checking is, by far, the most important account in your deposit portfolio. Here is why:

1.?????? Checking accounts have inverse relasticity, meaning that the rate is not a consideration.

2.?????? On the other hand, features and benefits offered with checking accounts are critical.

3.?????? The most important feature to consumers is long-term wealth and financial security.

4.?????? The Scientifically Predictable investing model outperforms the market with high level of confidence and peace of mind. That is the feature and benefit your customers or members desire the most.

Now that you have attracted new customers and deposits, let's look at the benefits to your institution?

1.?????? Anything you need most; you can designate as a requirement for the account.

2.?????? I you need liquidity, just set up a minimum balance to be eligible for this account.

3.?????? Or require direct deposit and/or minimum debit transaction to qualify for this account.

4.?????? The bottom line is that you can use the Scientifically Predictable checking account to provide your customers or members with their needs, and at the same time, improve your financial performance. ?

The proper management of deposits includes rate optimization and account utilization. With rate optimization your savings, money market and CDs rates are at their Optimal Pricing Position. With account utilization, your checking account benefits you and your customers or members.