IdeaTankFinal Big ideas come to life here.

The finalists have been chosen! We invited you to come up with ideas for an innovative banking solution, and your vote helped us narrow down to the five ideas below.

Make sure to join us at the conference, where the finalists will pitch their ideas to a panel of judges — competing for a chance to have their ideas brought to life. Register today to see innovation in action.

Mobile Account Opening – It’s a Snap! — Busey Bank

I am an individual who is comfortable with technology, rarely visits a branch, and prefers to do all my banking on the go. I am trying to open a checking account, but the online forms are labor intensive, because they require manual data entry that is time consuming and difficult on a small keyboard, which makes me feel frustrated and impatient.

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Consumer Loyalty Program — Wright-Patt Credit Union

We are a non-profit FI with a strong low to middle class membership in our primary market and high penetration rate in our current market. We are trying to retain membership, attract millennials & new valuable members, and grow in new markets, but our products are similar to our competition and there is no incentive to use sticky product offering, because products in the financial industry are standardized and innovation is ambiguous and expensive. This makes us feel concerned about future growth and our ability to retain valuable members.

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Member Referral Program — Evansville Teachers FCU

I am a loyal ETFCU member who loves my credit union’s products & services and is always on the go. I am trying to refer friends & family to join ETFCU, but they often don’t follow through, and neither do I, because they forget & there is no incentive for me, which makes me feel disappointed that my friends & family are missing out and undervalued because I am not acknowledged for helping the credit union grow.

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Isabel’s Big Idea — City National Bank

I am a marketing professional on a small marketing team at a community bank, trying to stay on top of quickly changing technology. I am trying to better reach my clients and prospects, through technology-drive channels, to promote my bank’s services and products in a timely fashion. However, there is an increasing opportunity for error in my team’s work as we have to do the same work in several different and redundant ways. This is due to a current system that is too siloed, changes too often, and has components that don’t work with each other. This makes me feel frustrated and anxious as I feel I’m often wasting my time and missing opportunities for improved work efficiency.

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Overdraft Decisioning — Guilford Savings Bank

I am a typical mobile banking user who doesn’t always know exactly when I might overdraft my account or incur overdraft fees. I’m trying to make responsible decisions, but my overdraft protection is all-or-nothing and I only find out after the fact or at the point of purchase. This makes me feel either embarrassed at the point of purchase or angry and manipulated later, like my financial institution is taking advantage of me.

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1 Subject to official rules. See Idea Tank Official Rules for details.