Independent Banker - June 2018 - 66

CONNECTIONS
Founded in 1884 as Pilot Point Bank,
PointBank has served the Denton County
community for more than 130 years.
as redemption locations. For an additional $50
a month, they have the option to be featured
in marketing materials within PointBank's
branches, Suarez says.
David says about 95 percent of the merchants
that participate in the bank's Buzz Points rewards
" If there's not a
merchant or retailsharing
element‚
most likely you're
paying more for your
customers' rewards. "
-Ray David Jr., PointBank
program are checking-account customers. When
the program first launched, it gave bank employees
calling on new merchants something exciting
to talk about, he says.
64 Q ICBA Independent Banker Q June 2018
Liz Jimenez, general manager of Bone Daddy's
BBQ in Denton, Texas, has been a merchant in
PointBank's Buzz Points program for more than
a year. She estimates that restaurant customers
are spending about $500 per month on food and
drinks using their Buzz Points. The restaurant
had been looking for a way to promote itself as
family-friendly, and this opportunity was just
what it needed, says Jimenez, adding that Bone
Daddy's more than makes back its cost to participate.
" It's a popular program, " she says.
For community banks, the monthly merchant
fee helps defray the cost of the program, rendering
it a more attractive business proposition. " If
there's not a merchant or retail-sharing element,
most likely you're paying more for your customers'
rewards, " David says.
David recommends that banks regularly assess
whether their reward program's return is worth
the cost and effort. Additionally, he suggests banks
choose a program that can be tied to both debit
and credit cards. When PointBank rolls out its
credit card offering, which David says could be as
soon as year-end, it will be tied to Buzz Points.
Cheryl Winokur Munk is a writer in New Jersey.

Independent Banker - June 2018

Table of Contents for the Digital Edition of Independent Banker - June 2018

Table of Contents
Independent Banker - June 2018 - Intro
Independent Banker - June 2018 - Cover1
Independent Banker - June 2018 - Cover2
Independent Banker - June 2018 - Table of Contents
Independent Banker - June 2018 - 2
Independent Banker - June 2018 - 3
Independent Banker - June 2018 - 4
Independent Banker - June 2018 - 5
Independent Banker - June 2018 - 6
Independent Banker - June 2018 - 7
Independent Banker - June 2018 - 8
Independent Banker - June 2018 - 9
Independent Banker - June 2018 - 10
Independent Banker - June 2018 - 11
Independent Banker - June 2018 - 12
Independent Banker - June 2018 - 13
Independent Banker - June 2018 - 14
Independent Banker - June 2018 - 15
Independent Banker - June 2018 - 16
Independent Banker - June 2018 - 17
Independent Banker - June 2018 - 18
Independent Banker - June 2018 - 19
Independent Banker - June 2018 - 20
Independent Banker - June 2018 - 21
Independent Banker - June 2018 - 22
Independent Banker - June 2018 - 23
Independent Banker - June 2018 - 24
Independent Banker - June 2018 - 25
Independent Banker - June 2018 - 26
Independent Banker - June 2018 - 27
Independent Banker - June 2018 - 28
Independent Banker - June 2018 - 29
Independent Banker - June 2018 - 30
Independent Banker - June 2018 - 31
Independent Banker - June 2018 - 32
Independent Banker - June 2018 - 33
Independent Banker - June 2018 - 34
Independent Banker - June 2018 - 35
Independent Banker - June 2018 - 36
Independent Banker - June 2018 - 37
Independent Banker - June 2018 - 38
Independent Banker - June 2018 - 39
Independent Banker - June 2018 - 40
Independent Banker - June 2018 - 41
Independent Banker - June 2018 - 42
Independent Banker - June 2018 - 43
Independent Banker - June 2018 - 44
Independent Banker - June 2018 - 45
Independent Banker - June 2018 - 46
Independent Banker - June 2018 - 47
Independent Banker - June 2018 - 48
Independent Banker - June 2018 - 49
Independent Banker - June 2018 - 50
Independent Banker - June 2018 - 51
Independent Banker - June 2018 - 52
Independent Banker - June 2018 - 53
Independent Banker - June 2018 - 54
Independent Banker - June 2018 - 55
Independent Banker - June 2018 - 56
Independent Banker - June 2018 - 57
Independent Banker - June 2018 - 58
Independent Banker - June 2018 - 59
Independent Banker - June 2018 - 60
Independent Banker - June 2018 - 61
Independent Banker - June 2018 - 62
Independent Banker - June 2018 - 63
Independent Banker - June 2018 - 64
Independent Banker - June 2018 - 65
Independent Banker - June 2018 - 66
Independent Banker - June 2018 - 67
Independent Banker - June 2018 - 68
Independent Banker - June 2018 - 69
Independent Banker - June 2018 - 70
Independent Banker - June 2018 - 71
Independent Banker - June 2018 - 72
Independent Banker - June 2018 - 73
Independent Banker - June 2018 - 74
Independent Banker - June 2018 - Cover3
Independent Banker - June 2018 - Cover4
https://www.nxtbook.com/mspc/independentbanker/december2024
https://www.nxtbook.com/mspc/independentbanker/november2024
https://www.nxtbook.com/mspc/independentbanker/october2024
https://www.nxtbook.com/mspc/independentbanker/september2024
https://www.nxtbook.com/mspc/independentbanker/august2024
https://www.nxtbook.com/mspc/independentbanker/july2024
https://www.nxtbook.com/mspc/independentbanker/june2024
https://www.nxtbook.com/mspc/independentbanker/may2024
https://www.nxtbook.com/mspc/independentbanker/april2024
https://www.nxtbook.com/mspc/independentbanker/march2024
https://www.nxtbook.com/mspc/independentbanker/february2024
https://www.nxtbook.com/mspc/independentbanker/january2024
https://www.nxtbook.com/mspc/independentbanker/december2023
https://www.nxtbook.com/mspc/independentbanker/november2023
https://www.nxtbook.com/mspc/independentbanker/october2023
https://www.nxtbook.com/mspc/independentbanker/september2023
https://www.nxtbook.com/mspc/independentbanker/august2023
https://www.nxtbook.com/mspc/independentbanker/july2023
https://www.nxtbook.com/mspc/independentbanker/june2023
https://www.nxtbook.com/mspc/independentbanker/may2023
https://www.nxtbook.com/mspc/independentbanker/april2023
https://www.nxtbook.com/mspc/independentbanker/march2023
https://www.nxtbook.com/mspc/independentbanker/february2023
https://www.nxtbook.com/mspc/independentbanker/january2023
https://www.nxtbook.com/mspc/independentbanker/december2022
https://www.nxtbook.com/mspc/independentbanker/november2022
https://www.nxtbook.com/mspc/independentbanker/october2022
https://www.nxtbook.com/mspc/independentbanker/september2022
https://www.nxtbook.com/mspc/independentbanker/august2022
https://www.nxtbook.com/mspc/independentbanker/july2022
https://www.nxtbook.com/mspc/independentbanker/june2022
https://www.nxtbook.com/mspc/independentbanker/may2022
https://www.nxtbook.com/mspc/independentbanker/april2022
https://www.nxtbook.com/mspc/independentbanker/march2022
https://www.nxtbook.com/mspc/independentbanker/february2022
https://www.nxtbook.com/mspc/independentbanker/january2022
https://www.nxtbook.com/mspc/independentbanker/december2021
https://www.nxtbook.com/mspc/independentbanker/november2021
https://www.nxtbook.com/mspc/independentbanker/october2021
https://www.nxtbook.com/mspc/independentbanker/september2021
https://www.nxtbook.com/mspc/independentbanker/august2021
https://www.nxtbook.com/mspc/independentbanker/july2021
https://www.nxtbook.com/mspc/independentbanker/june2021
https://www.nxtbook.com/mspc/independentbanker/may2021
https://www.nxtbook.com/mspc/independentbanker/april2021
https://www.nxtbook.com/mspc/independentbanker/march2021
https://www.nxtbook.com/mspc/independentbanker/february2021
https://www.nxtbook.com/mspc/independentbanker/january2021
https://www.nxtbook.com/mspc/independentbanker/december2020
https://www.nxtbook.com/mspc/independentbanker/november2020
https://www.nxtbook.com/mspc/independentbanker/october2020
https://www.nxtbook.com/mspc/independentbanker/september2020
https://www.nxtbook.com/mspc/independentbanker/august2020
https://www.nxtbook.com/mspc/independentbanker/july2020
https://www.nxtbook.com/mspc/independentbanker/june2020
https://www.nxtbook.com/mspc/independentbanker/may2020
https://www.nxtbook.com/mspc/independentbanker/april2020
https://www.nxtbook.com/mspc/independentbanker/march2020
https://www.nxtbook.com/mspc/independentbanker/february2020
https://www.nxtbook.com/mspc/independentbanker/january2020
https://www.nxtbook.com/mspc/independentbanker/december2019
https://www.nxtbook.com/mspc/independentbanker/november2019
https://www.nxtbook.com/mspc/independentbanker/october2019
https://www.nxtbook.com/mspc/independentbanker/september2019
https://www.nxtbook.com/mspc/independentbanker/august2019
https://www.nxtbook.com/mspc/independentbanker/july2019
https://www.nxtbook.com/mspc/independentbanker/june2019
https://www.nxtbook.com/mspc/independentbanker/may2019
https://www.nxtbook.com/mspc/independentbanker/april2019
https://www.nxtbook.com/mspc/independentbanker/march2019
https://www.nxtbook.com/mspc/independentbanker/february2019
https://www.nxtbook.com/mspc/independentbanker/january2019
https://www.nxtbook.com/mspc/independentbanker/december2018
https://www.nxtbook.com/mspc/independentbanker/november2018
https://www.nxtbook.com/mspc/independentbanker/october2018
https://www.nxtbook.com/mspc/independentbanker/september2018
https://www.nxtbook.com/mspc/independentbanker/august2018
https://www.nxtbook.com/mspc/independentbanker/july2018
https://www.nxtbook.com/mspc/independentbanker/june2018
https://www.nxtbook.com/mspc/independentbanker/may2018
https://www.nxtbook.com/mspc/independentbanker/april2018
https://www.nxtbook.com/mspc/independentbanker/march2018
https://www.nxtbook.com/mspc/independentbanker/february2018
https://www.nxtbook.com/mspc/independentbanker/january2018
https://www.nxtbook.com/mspc/independentbanker/december2017
https://www.nxtbook.com/mspc/independentbanker/november2017
https://www.nxtbook.com/mspc/independentbanker/october2017
https://www.nxtbook.com/mspc/independentbanker/september2017
https://www.nxtbook.com/mspc/independentbanker/august2017
https://www.nxtbook.com/mspc/independentbanker/july2017
https://www.nxtbook.com/mspc/independentbanker/june2017
https://www.nxtbook.com/mspc/independentbanker/may2017
https://www.nxtbook.com/mspc/independentbanker/april2017
https://www.nxtbookmedia.com