312.838.6500

Close Menu

Financial Brand Marketing That Balances Your Needs and WantsAugust - 2025

Financial Brand Marketing Strategy by AE Marketing Group

Financial brand marketing can be challenging, but it doesn’t have to be.  Advertising is often regulated, savings and investing confuse many people, and the message is usually focused on brand/product features instead of emotionally connecting. That’s both a strategic choice and a missed opportunity.

 

The problem with financial brand marketing

Most ads from banks, financial service companies, and credit unions tend to look the same.

  • Stock photos and visuals
  • Predictable headlines like “Smarter banking starts here”, “Banking made easy”, etc.
  • Conservative layouts and colors
  • Smiling families, lots of smiles
  • Buzzwords like “security”, “exceptional service”, “community-first”, “trust”, etc.

Now it is true that financial brand marketing operates in a highly regulated environment, so creative campaigns tend to err on the side of caution.  Also, compounding the problem is that checking accounts, savings, loans, and credit cards don’t differ all that much between banks, which means the messaging often defaults to rates or generic benefits like “convenience”.  Lastly, the industry jargon (APR, HELOC, AYR, DTI, etc.) is not helpful, as data shows people struggle with understanding money, financial planning, and savings.

 

The opportunity in financial brand marketing

With most brands looking and sounding the same, how do banks, credit unions, or financial service firms create opportunity?

  1. Start with a mix of behavioral science, data, and emotion to think internally and flesh out a starting point, or “why”
  2. Leverage the Jobs-To-Be-Done (JTBD) framework to expose the functional, social, and emotional reasons why people make the choices they do
  3. Eliminate the friction that blocks people from making progress
  4. Communicate by speaking in real language, not financial language
  5. Use emotion-led creative versus feature-function creative
  6. Be consistent

Simply put, the financial institutions that break the mold often stand out by helping people make progress on their terms.

 

Financial brand marketing success

A good example of success comes from our customer, Fox Communities Credit Union. Fox has a rich history in Wisconsin for nearly 90 years, but it recognized that the market had become highly competitive and commoditized. Therefore, the CMO set a goal to clearly articulate what makes Fox different in a way that’s unlike anything else in the market.

Many of us believe one key to life is about balancing needs and wants. Yet, it is human nature to struggle with this balance.  Fox tapped into this emotion and friction to help people make progress.

  • People do not need a home loan – they want a good school for their kids.
  • People do not need a checking account – they want to move out of their parents’ house.
  • People do not need an auto loan – they want to get to work safely.
  • People do not need a credit card – they want a good night’s sleep.

 

To articulate what makes Fox unique in the market, they had to speak in a way unlike any other bank or credit union in the market.

 

 

 

Life is about balancing what you need with what you want.

You know what you want.  Fox Communities Credit Union has what you need.

 

The brand positioning was risky yet intuitive, as it leaned into the job-to-be-done, the emotion, and the reality—not buzzwords and jargon. And, it is paying off for the brand, as there has been a steady increase in new accounts, loans, and deposits.

“AE Marketing Group’s partnership, creativity, and focus are helping us translate a common product and service into something human, relatable, and differentiating,” said Fox Chief Marketing Officer, Melanie Draheim. Working with them has elevated our purpose-driven brand, positioning Fox for future growth.”

 

More Posts