Independent Banker - December 2017 - 16

With Interest
MAIN STREET FOCUS
Edging out the competition
American State Bank of Iowa's mobile coupon app is a win for customers, local
businesses and the bank itself.
By Andrea Lahouze
I
n the northwest corner of
Iowa, American State Bank of
Iowa has found a creative way
to maintain its competitive
edge with customers. In
November 2016, the $850 million-asset
bank in Sioux Center released
its own branded mobile coupon app,
called American Edge, which offers
users discounts at businesses in
town and across the country. While
many other businesses might choose
to offer a coupon app at a cost, the
community bank opted to make it
available to its 9,000-plus rewards
checking accounts for free.
" We wanted to do something to
jump ahead again, " explains T.J.
Speer, American State Bank of Iowa's
vice president of corporate affairs.
" Instead of fi ghting over interest rates,
we decided that we can provide services,
products and access to people
that would be harder to compete with.
16 ICBA Independent Banker December 2017
We also were looking at our millennial
markets. We wanted to have another
place on their cellphone where they
access and use us for information.
From the relationship-building perspective,
we want to be more than an
industry. We want to be our customers'
partner for information. "
To make it happen, the community
bank partnered with a company
called StrategyCorps to brand and
customize an existing app, including

Independent Banker - December 2017

Table of Contents for the Digital Edition of Independent Banker - December 2017

Table of Contents
Independent Banker - December 2017 - Intro
Independent Banker - December 2017 - Cover1
Independent Banker - December 2017 - Cover2
Independent Banker - December 2017 - Table of Contents
Independent Banker - December 2017 - 2
Independent Banker - December 2017 - 3
Independent Banker - December 2017 - 4
Independent Banker - December 2017 - 5
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Independent Banker - December 2017 - Cover3
Independent Banker - December 2017 - Cover4
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