The Future of Checking…Isn’t Checks

How to Improve Relevance and Retention in 2026 and Beyond

February 25, 2026 | 2 PM EST, 11 AM PST

For decades, the checking account has been the “anchor” of the banking relationship—but today, that anchor is dragging. While financial institutions treat checking as a passive utility, Gen Z and Millennials are treating it as a digital transit hub, moving money out to fintech apps and investment platforms at record speeds.

Join us as we bridge the gap between “functional” and “inspiring.” We will explore how to stop being a “digital storage locker” and start being a Performance Account. We’ll dive into the data-driven strategies that can unlock $110 Billion in potential deposits and help Financial Institutions become the Primary Financial Institution (PFI) for the next generation.

Key Takeaways

  • The "Zillennial" Mobility Gap: Why 40% of younger consumers are choosing Venmo and Cash App as their PFI, and how to use cash-flow analytics to win them back.
  • Turning "Stick" into "Carrot": How to move beyond reporting missed payments to rewarding on-time rent, subscriptions, and bill payments—turning everyday activity into a credit-building engine.
  • The $110 Billion Opportunity: A breakdown of how integrated credit-building features can fundamentally shift deposit shares across the industry.
  • Rebranding the Experience: Practical steps to transition from a record of debits and credits to an interactive, permissioned hub for financial health and performance.

Moderator

Peter Renton

Peter Renton

CEO and Founder of Renton & Co

Presenters

Christian Widhalm

Christian Widhalm

CEO, Bloom Credit
Darlene Johnson

Darlene Johnson

EVP, Chief Strategy and Transformation Officer, Suncoast Credit Union
Bill Handel

Bill Handel

General Manager and Chief Economist at Raddon, a Fiserv Company

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