Independent Banker - October 2017 - 47
A cup of coffee and a car loan, please-Dime Community Bank's 433-square-foot
location in Williamsburg, N.Y., is frequently mistaken for a café. The small footprint is possible due to
the lack of tellers-a universal banker takes their place-and technology like advanced ATMs and selfservice
tablets. The Bedford Avenue outlet also offers extended opening hours to fit in with customers'
work schedules.
Dime's universal bankers, who meet with customers in
intimate workspaces called pods, can help customers complete
financial transactions, access account information,
open accounts and even arrange for lines of credit. The
branch provides its universal bankers with wireless Microsoft
Surface Pro tablets, so they can perform their services
for customers quickly and comprehensively.
" The goal of the universal banker is to build and develop
meaningful relationships, not just offer products and
services, " Perez says. " Instead of a customer having to go
to a teller station to complete a transaction, then go somewhere
else in the bank to open a new account, and then go
to yet another location for another service, customers can
do all of these in a single location with just one banker. "
But universal bankers offer more than convenience to
customers: They build strong relationships. Since Dime's
universal bankers handle so many different services, it
allows them to establish deeper relationships with their
customers than if customers dealt with a number of bank
employees who might not communicate with each other.
" We receive feedback from customers of the Bedford
Avenue branch that they feel they have established real
connections and deeper relationships with the universal
bankers, " Perez says.
The future? " Some of our customers have been so happy
with the concept that they have begun referring their
" Instead of a customer having to
go to a teller station to complete
a transaction, then go somewhere
else in the bank to open a new
account ... customers can do all of
these in a single location with just
one banker. "
-MICHAEL A. PEREZ, DIME COMMUNITY BANK
family members and friends, " he says. " We are already
opening a second branch that is similar to the Bedford
branch and are planning a third and a fourth. "
William Atkinson is a writer in Illinois.
independentbanker.org
ICBA IndependentBanker 47
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Independent Banker - October 2017
Table of Contents for the Digital Edition of Independent Banker - October 2017
Table of Contents
Independent Banker - October 2017 - Intro
Independent Banker - October 2017 - Cover1
Independent Banker - October 2017 - Cover2
Independent Banker - October 2017 - Table of Contents
Independent Banker - October 2017 - 2
Independent Banker - October 2017 - 3
Independent Banker - October 2017 - 4
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Independent Banker - October 2017 - Cover3
Independent Banker - October 2017 - Cover4
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