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Banking Process | Bottom Line Concepts

Published June 1st, 2019 by Bottomlineadmin

Clients are faced with two challenges when it comes to their strategic bank relationships: (1) where to focus energy for a maximum return and (2) how to negotiate these discounts, in order to not disrupt the symbiotic relationship. Clients need their credit, products, and advisory services, but often pay too much. There are five key treasury management categories of bank revenue that offer significant opportunity: Analysis Fees, Earnings Credit Rate, Investment Rates, P-Card Rebates, and Merchant Cards.

On average, Bottom Line is able to present the Client with savings within three weeks time. Once Bottom Line receives Client statements, they are examined for all areas to optimize profitability and relationship value. An analysis in both a Clients quantitative and qualitative data is completed, along with creating a benchmark and analysis which are reviewed with the Client and discussed strategy for implementation. Bottom Line never require a Client to switch providers to achieve savings, and is very aware of a Clients current relationship. 

Bottom Line Takes a three step approach:

1.Modeling - Bottom Line gathers the Clients statements to determine the relationships overall level of discount against the market.  During this step Bottom Line will provide profitability modeling consistent with what a bank uses to determine pricing.

2.Engaging the bank - preferably Bottom Line will work behind the scenes to keep the relationship in focus, however engagement with the bank on the client’s behalf can be needed.  During this time Bottom Line will review win-win strategies, terms, pricing and rates.

3.Auditing - With the Client’s monthly statement, a continued monitoring of  the accounts for contract adherence is conducted.  This ensures not only that the bank stays in line, but the Client also has the ability to see their savings actively on a month-by-month basis.


  • Our Process

    Based on our in-depth analysis of your business, we bring a holistic perspective to the broad range of areas in which significant savings can be realized.

  • Our Promise

    Zero Risk
    Zero Out of Pocket Cost
    Zero Obligation

  • Our Tools

    We offer a unique approach with a team of experts behind each categorical analysis to deliver the greatest savings.

  • Our Results

    We have worked with 1000+ organizations and have collectively saved them over $500,000,000 since 2009.