What are the marketing techniques for bank savings deposits? The marketing of savings deposits is mainly based on customers' off-bank funds and three-party depository funds. Tellers should take warm and thoughtful service and our preferential policies on deposit marketing and three-way capital return as the main means to attract customers. Tellers should communicate with customers more in the daily business process, so as to ask more questions, think more and observe more. Let's take a concrete look at the marketing words of bank employees!

The specific examples are as follows:

Case 1

A lady Zhang often goes to the counter with an ordinary card to handle remittance business in different places.

teller: hello, sir! If you use our Ward card to handle cross-bank or off-site remittance, the handling fee is free, and the Bank of Communications wealth management card can enjoy a 61% discount on remittance, which can save you a lot of handling fees! Besides, if your funds settle down in a few days, what else do we have? Yinglibao? The product bears interest every day, and the yield is 2.65%, which is 5.3 times of the current interest. I'll ask the full-time account manager to give you a brief introduction in detail.

case 2

a customer who often comes to our bank to handle the counter transfer business, the teller knows that the customer's capital turnover is frequent and the cash flow is large, and he knows that he has funds in the layman.

teller: hello, sir, we have launched a model? Yinglibao? The income of our product is about 5 times that of demand deposits, which is very suitable for customers who use funds frequently like you. If you choose this product, you will find that there will be a considerable income without affecting your normal capital operation. I can introduce a professional financial manager to tell you in detail after this business is completed.

Case 3

A Mr. Li took a large amount of cash to deposit, but he didn't know when he would use it.

teller: hello, Mr. Li, the current interest rate is low. I suggest you open a notice deposit business, which has regular income and is convenient for current account. The income is three times of the current interest rate. In addition, you can reasonably allocate some funds, and the interest rate for a fixed deposit for three months is now 3.1%. Moreover, you can withdraw it in advance or in part once it is urgently needed, which will not affect the use of your funds. If you still have money in other banks, you can turn around and do it together.

case 4

the customer has signed a tripartite depository agreement.

teller: hello! I see you have signed a tripartite depository agreement?

customer: yes.

Teller: We now have a product of Yinglibao, the income of which is 5.3 times that of the current period, and it is convenient for the current period. When you don't buy stocks with funds, you can apply for them at any time through online banking with a click of the mouse. When you need to use funds, as long as you redeem them before 3 pm that day, it will not affect your entry into the stock market before closing.

customer: is it so good?

teller: yes, I'll ask a professional financial manager to introduce the specific operation details for you.