How Credit Union of New Jersey Grew Deposits With a Personalized Mobile Banking Engagement Campaign

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By meeting members where they bank — inside the mobile app — CUNJ turned engagement into measurable growth through personalized, in-app campaigns.

The Challenge

Even the best offers fall flat if members don’t see them. CUNJ needed to:

• Cut through crowded email inboxes
• Deliver timely, relevant CD offers
• Engage at scale without adding operational drag

Traditional channels weren’t enough — visibility and timing were critical to success.

The Solution

CUNJ used Pulsate’s mobile engagement platform to extend its multichannel CD campaign directly into the digital banking experience.

Key features included:

• Personalized in-app messages: Offers delivered securely inside the mobile app, no extra clicks.
• Real-time behavioral targeting: Reaching members at the right moment of intent.
• Seamless orchestration: Combined with email and social for a full-funnel impact.
• Quick, low-effort setup: Built for community FIs to launch and iterate fast.

Pulsate’s Opportunities Engine™ ensured the right message reached the right member at the right time.

The Results

• 103 new Certificates of Deposit
• $3.5 million in total deposits
• 50% higher open and click rates compared to email alone

Nearly all deposits came from existing members — proving the power of engaged relationships.

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