Deposit Growth Without Begging or Discounting—Here’s How the Top 1% of Banks Do It [VIDEO]

Most banks are fighting deposit attrition the wrong way—by paying for it.

Rate specials feel productive, but they quietly destroy margin, loyalty, and long-term value. In this week’s video, Roxanne Emmerich exposes why chasing deposits with pricing is a losing strategy—and how the top 1% of banks grow core deposits without discounting, begging, or gimmicks.

The difference isn’t the budget.
It isn’t brand size.
Its positioning and culture.

Inside this video, Roxanne breaks down how elite banks shift from being rate-driven vendors to becoming value-driven advisors—and why that single shift changes everything from deposit growth to cross-sales to net interest margin.

In this episode, you’ll discover:

• Why CD specials train customers to leave—and raise your cost of funds

• How high-performing banks create “deposit magnet” cultures

• The exact positioning question that helped one bank add $90M in core deposits without a single rate promo

If your bank is tired of paying for deposits and ready to command loyalty instead, this is required viewing.

Want the full blueprint behind this strategy? Roxanne is breaking it down live at the Breakthrough Banking Blueprint™ Bootcamp—but seats are filling fast.

Register now before pricing pressure makes the decision for you.

Watch now. 

If you think a great CD rate is going to save your bank, you’re about to be blindsided. You’re not just bleeding deposits—you’re training your customers to leave every time a competitor flashes a shiny new rate. And the worst part? You’re doing it to yourself.

Stick with me for five minutes, and I’ll show you exactly why banks with half your sales and marketing budget are crushing deposit growth—without discounting, without begging, and without gimmicks.

Hi, I’m Roxanne Emmerich. My team and I have helped hundreds of banks increase their net interest margin by 150 basis points and triple cross-sales in less than one year—all while growing core deposits so fast their competitors thought they were cooking the books. They weren’t. They were following a blueprint—one I’m about to hand you the keys to.

Now let’s talk about the slow death most banks don’t see coming.

You offer a CD special.

A few rate shoppers bite.
Your cost of funds rises.
No cross-sales.
No loyalty.
No long-term gain.

It’s like trying to fill a bucket with a hole in the bottom while your competitors drill five more holes in the side.

Before we begin, can we agree that chasing deposits by raising rates is like trying to win a marathon by buying faster shoes for your competition?

What if instead your bank became magnetic?

Imagine depositors lining up without rate gimmicks.
Your team positioned as trusted advisors, not vendors.
Conversations that build so much value customers don’t even ask about the rate.

That’s not theory. It’s the exact system we install in best-in-class banks. And it starts with changing how your team talks, behaves, and thinks—because culture is the ultimate deposit magnet.

Here’s one small tactic from our playbook—one banks pay six figures to implement.

The positioning question.

A single question your people can ask that causes prospects to follow up by saying, “The rate doesn’t matter that much.”

It’s how one small bank added $90 million in core deposits in less than 12 months—without a single rate promotion.