How We Served a Texas Bank with 40+ Branches – Main Street Case Study

Since 1999, banks and credit unions of every size have trusted Main Street with their check programs. From single-branch credit unions to sprawling banking empires, the needs of our partners are as unique as the communities they serve. 

It’s our privilege to make a meaningful difference for financial institutions and their accountholders. But we do more than talk the talk – we leverage every successful partnership to learn, grow, and create better outcomes for each of our 2,000+ clients. 

In this recent example, we were able to make a tremendous impact on check program revenue, customer service, and so much more. Here’s how.

How We Served a Texas Bank with 40+ Branches – A Main Street Case Study

Small changes have a way of stacking up, especially when you’re dealing with tight check program margins across dozens of branches. Here’s how world-class service and incremental cost savings translated to success for one large Texas bank.

The Client

In June of 2023, discussions began with a large, Texas-based bank serving more than 40 communities throughout the Lone Star State and Oklahoma. With over $4 billion in assets, this bank was looking for a check vendor with superb customer service – but that was just the start.

Integrity and a community focus were central to how this client operated. They were also deeply committed to improving local economies throughout the region. That meant finding a company who shared their values while providing value – a rare combination of traits.

Desired Outcomes and Ideal Check Vendor Qualities

In talks with Main Street sales representatives, executives of this Texas bank made their needs clear. They listed a half dozen or more ambitious qualities that a check vendor would need in order to satisfy their goals. 

To fit the bill for this bank, the right check vendor needed:

  • A service-driven approach and an alignment with institutional values (simplicity, transparency, added value)
  • A pricing structure that encouraged accountholders to order checks through their local branch 
  • No hidden fees or nickel-and-dime charges that eat into check program revenue
  • First-class delivery for checks within 3-5 business days (at a lower cost than their current bulk rate)
  • A streamlined commercial check ordering process that guaranteed more checks at a lower average cost
  • A dedicated client services department committed to first-contact resolution

The Decision

Formed in the late 1980s, this bank rose from a single branch in Texas to over 40 across two large states. That kind of humble beginning is familiar to Main Street. As a local, family-owned company based in Birmingham, AL, we knew we were the right match. 

As bank representatives listed the values they sought in a check program partner, it was as if they were reciting our core values directly from our website. Beyond a shared ethos, our simplified check ordering process and strategic check program management made the difference.

With single-tier pricing, first-class delivery in 3-5 business days, and a dedicated Client Services Department on-site at our Birmingham headquarters, we were able to deliver on every demand they had. A deal followed shortly thereafter, as did the expected impact.

The Impact

The best matches promote a sense of harmony, as was certainly the case when this large Texas bank chose Main Street. In short order, we delivered on every expectation. A year on from our original agreement, the full scope of our impact has come into focus.

As their new check vendor, Main Street Delivered.

  • Our simplified check ordering process provided more options at one price
  • We were able to provide commercial checks as a loss leader and convert previous check business to our new client
  • Our first-class delivery put checks into accountholder hands within 3-5 business days
  • The Main Street Preferred Business program for commercial products reduced the customer interaction time for fewer snags and faster fulfillment
  • Our commercial business pricing structure delivered larger volumes at a lower cost
  • Our dedicated Client Services team resolved any and all customer requirements with a first-contact resolution mentality

Ready for a Check Vendor that Fits Your Institution Better?

As consumers and professionals, we may put up with products or relationships that are less than ideal. But eventually, we all reach a threshold of frustration with an ill-fitting good or service. 

Rather than settling into the status quo, we should expect and demand better for ourselves. Putting up with an underwhelming check vendor for too long is the same as choosing them again and again.

At Main Street, we do things differently. Our commitment to your check program’s success isn’t just talk – it’s a promise that we’re thrilled to back up at every turn. If you’re ready to switch check vendors, speak to one of our sales representatives today.

Find a Check Vendor Who Fits You Like a Glove. Talk to Main Street Today!

For 25 years and counting, Main Street has been the go-to check vendor and check program partner for thousands of banks and credit unions nationwide. We lead with integrity, pride ourselves on our no-fee culture, and prioritize relationships above all else. If you’re tired of running a check program in the red and ready to boost both performance and profits, contact us today. We can’t wait to hear about your needs before meeting and exceeding them.

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