Case study: Scaling Trust

10× monthly
deposit growth. In under a year.

Vault.Bank, the digital brand of Bank of Brodhead, a $300M rural Wisconsin bank, went from the ground up to statewide scale with Linker. Built-in fraud protection, real funnel attribution and no new hires.

Vault.BankPowered by Linker Finance
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10×
growth in deposits
In under a year, still climbing
$44K
avg. funded account
2.5× the industry average
90%
monthly retention
Ongoing funded engagement
40%
CAC reduction
Smarter marketing spend
The challenge

Legacy systems slowed operations, digital demand kept rising, and marketing campaigns had no clear attribution. Vault.Bank knew it had to modernize, and didn't know where to start without taking on fraud and compliance risk.

The solution

Linker stepped in with more than tech: real-time online account opening with built-in compliance, automated fraud checks and full KYC, customer intelligence with embedded insights, and modular features turned on as the bank grew.

The results

In under 12 months Vault.Bank went from pilot launch to proof of scale: 10× deposit growth, 8× operational scale with no new hires, 100% funnel visibility from campaign to conversion, and 40% lower acquisition cost.

Mike Olson, President and CEO of Bank of Brodhead d/b/a Vault.Bank
Mike Olson
President and CEO
Bank of Brodhead d/b/a Vault.Bank
“We're thrilled to partner with Linker Finance to provide enhanced digital banking solutions for community banks. By leveraging Linker Finance's strengths, we'll remain competitive in today's dynamic financial landscape while effectively meeting the evolving needs of our customers.”

Inside the case study: the data-driven growth playbook

  • Growth measured by funded accounts, not applications
  • Automation with built-in fraud defense and full KYC
  • Marketing intelligence that drives secure growth
  • Data that tells the full deposit story, end to end
  • A proven framework built for community banks
  • Experiences that keep customers engaged and growing

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