Savings · Automated deposit engine
Platform performance across partner institutions
Accounts on the platform
Funded and active across partner institutions
Total assets
Saved across partner institutions
Avg. monthly savings per account
Recurring deposits captured per member
Increase in core savings
Average uplift across partner accounts
The deposit cost problem
Rate-driven funding is expensive.
Core deposits are not.
Institutions replacing run-off with CDs, brokered money and wholesale advances are paying five percent or more for every dollar. NWS deposits are generated by member behaviour, not by rate, so they arrive at a fraction of the cost and stay put when rates move.
The comparison shows the all-in cost of funds by source. NWS core deposits sit at 1.50%.
Cost of funds by source
Annual, all-in
Brokered deposits
5.38%
FHLB wholesale
5.25%
Retail CDs
5.12%
Online high-yield
4.62%
NWS core deposits
1.50%
Illustrative all-in cost of funds. Actual rates vary by institution, market and term.
How it works
Savings that accumulate automatically, on your core
NWS runs inside your existing digital banking experience. Members opt in once; deposits then build from ordinary spending, goals and rewards without further prompting.
01
Automated micro-savings
Proprietary %-based tool auto-transferring checking funds to savings, with cashback on products and services.
02
Goal-based saving
Members set named goals with target dates. NWS calculates contributions and keeps them on schedule, which lifts both retention and balance growth.
03
Loyalty rewards marketplace
Cash-back from brand partners is routed straight into savings, giving members a reason to keep spending on the institution’s cards.
04
Deposits held on your core
Every balance is a native deposit account on your core. No sweeps, no omnibus accounts, no counterparty exposure.
Balance sheet impact
Every basis point saved on funding flows straight to spread
At a 1.5% cost of funds, NWS deposits widen net interest spread across the whole lending book. The table shows illustrative yields by product and the resulting spread when funded with NWS core deposits.
1.5%
Cost of funds
5.0–15.5%
Net spread range
Lending product
Yield
Net spread
Net spread = product yield − 1.5% NWS cost of funds. Illustrative yields; actual pricing varies by institution.
Age range reached
The segment institutions find hardest to acquire and retain, activated through the savings experience they already expect.
Monthly conversion
Share of eligible members enrolling each month across a partner launch, more than doubling after go-live.
Savings deposits per user, per month
Recurring, behaviour-driven deposits captured per enrolled member across the same launch.
Member engagement
Reach the members every institution is trying to win
NWS is designed around the 18–35 year-old cohort — digitally native, rate-sensitive and historically the hardest segment for banks and credit unions to acquire. Automated saving gives them a reason to open, fund and keep a relationship with your institution.
Across a partner launch, monthly conversion rose from 11% to 23%, with $290–$337 in savings deposits per user per month.
Partner results
Measured outcomes at partner institutions
Results reported by partner banks and credit unions after deploying NWS on their existing core and digital banking platforms.
Zions Bancorporation
Bank partner
Average savings per account tripled after launch
Before NWS · monthly
With NWS · monthly
Average savings per account per month rose from $98 before NWS to $292 with NWS, with balances held as native deposits on the bank’s core.
First Education FCU
Partner Colorado CU
Credit union launch · Phase 1 complete
Monthly conversion more than doubled via Sharetec
Conversion · before
Conversion · after
$290–$337
savings deposits per user, per month
First Education Federal Credit Union and Partner Colorado Credit Union launched NWS through Sharetec. Phase 1 is complete; the rollout continues on the credit unions’ existing core.
Integrations
Sits inside the infrastructure you already run
NWS connects to Jack Henry, Q2, Valiify and existing core and digital banking stacks through supported integrations. Deposits, accounts and controls stay where they are today — no rip-and-replace, no parallel ledger.
Your core & digital banking
NWS savings engine
Member experience
Deposits on your core
Jack Henry
Q2
Valiify
Existing core systems
Existing digital banking
Digital dollar readiness
The on-ramp sits inside the institution's own app, under existing KYC and limits, with cash settling back into member accounts on the core — rather than leaving for an exchange.
Member app
Digital dollars
Member account on core
External exchange
No off-core path
Launch support, co-branded campaign materials and performance reporting are included in the partnership.
See how NWS lowers your cost of funds, lifts savings balances and keeps every deposit on your own core. A 30-minute walkthrough with our team.
Figures shown are reported by partner institutions or illustrative. Product availability may vary by institution, jurisdiction and selected regulated providers.