Attract and retain deposits with the power of protection

With 7% total deposit growth and 4.8% balance growth from existing customers¹, Wysh is proving that protection delivers real results for our partners.

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Traditional deposit tactics are falling short

It’s time for a new approach. Offering protection benefits adds value to your story as loyalty is harder than ever to earn and rate-based strategies are falling short.

Rate wars are costly, unsustainable, and don’t have talk-value

Deposit promos lead to short-term success and long term churn

Cashback bonuses drive sign-ups, not engagement

Program launches often require development resources and operational lift

Protection-focused deposit strategies create long-term value

Show customers that you care about more than just interest rates by giving them something that lasts. Built-in life insurance is how you stand out — and build deposits that stay.

Stickier than interest rates

When customers feel protected, they’re more likely to stay. It’s more than rates, you’re offering peace of mind they can’t find anywhere else.

Built-in loyalty driver

Customers value financial protection, responding with stronger, more durable relationships with your institution.

Designed for long-term engagement

When protection is built in, customers feel invested, making them more likely to stay and grow with you.

Trust that grows deposits

Protection adds ongoing value to deposit accounts — deepening trust, increasing activity, and encouraging balance growth over time.

Boost deposits with embedded protection

Offer life insurance on deposit and stablecoin accounts with Life Benefit

Life Benefit allows you to embed life protection on any deposit account. Coverage grows with your customer’s balance, giving families real security — and giving your institution a loyalty advantage no rate bump can match.

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Best Financial Inclusion in Banking

The Money Awards 2025

Best in Show

Finovate Fall 2023

Wysh partners have experienced:

9yr

Age drop for new accounts²

Deposit growth turnaround³

52%

Faster growth in millennial deposits²

PBT Bancorp achieves 4x turnaround in deposit growth with embedded protection

In just 90 days, Life Benefit helped PBT Bancorp reverse a year-long decline of -0.77% into +2.5% growth² — while driving faster growth in millennial deposits and lowering the average age of new account holders.

Learn how embedded protection can benefit your institution

for banks

Reduce churn without raising rates with built-in protection

Bring protection and confidence into everyday banking. When deposits come with added security, customers feel valued, leading to long-term loyalty.

for credit unions

Strengthen community trust with built-in coverage

Show your members you’re invested in their future. Adding protection to deposits demonstrates care and strengthens relationships that last.

For Fintechs

Differentiate with a unique offering beyond APY and cashback

Stand out with more than rates and rewards. Built-in protection adds lasting value to deposits customers won’t find anywhere else.

Attract and retain deposits with Wysh

Our powerful tools help you offer more, build trust, and grow – without slowing you down.

Life Benefit

Embed life coverage directly into user behavior like saving, spending, or rewards

Strengthen emotional loyalty with benefits users actually value

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Wysh Intelligence

Project account loss and revenue exposure from aging demographics

Make smarter growth and retention decisions with real-world insight

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Ready to get started?

Learn about how our insurance solutions can help you achieve your goals.

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Meeting request confirmed in 1 business day

Presentation tailored to your institution and goals

All your questions answered in one brief meeting

1) Data provided by Wysh Life and Health Insurance Co. and Ipava State Bank, based on internal analysis of performance data from January through June 2025. 2) Data provided by Wysh Life and Health Insurance Co. and Peoples Bank, based on internal analysis of deposit and account trends from Jan–Apr 2025. 3) UNest and Wysh Case Study, “Account Value Growth”, Published January 1, 2024.