CASE STUDY

Chelsea State Bank Transforms Banking Operations with Kinective Cash Automation

Chelsea State Bank Jackson Branch
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The Story

Chelsea State Bank, a trusted community institution serving Michigan since 1897, has always prioritized doing more for their customers and communities. When they opened their newest Jackson Banking Center location, bank leadership saw an opportunity to implement best-in-class technology that would enhance both security and efficiency.

“Our approach wasn’t driven by a single pain point – it was about our fundamental mission to do more for our community,” explains Bill Bacon, VP and Director of Retail Banking & Cash Management Solutions. “We’re always looking for ways to improve our processes and better serve our customers.

When we evaluated this opportunity as a team, it became clear that implementing Kinective’s Cash Automation solution would help us operate at peak efficiency while maintaining the personalized service our customers expect.”

The challenge was familiar to community banks everywhere: end-of-day balancing consumed valuable staff time while costly manual dual-entry and traditional teller drawers presented security concerns.

Chelsea State Bank needed a solution that would integrate seamlessly with their Jack Henry Silverlake core system while delivering measurable improvements in accuracy, efficiency, and security.

The Implementation Process

The technical implementation exceeded expectations in both speed and transparency. “We were impressed by how quickly we could see the benefits of the system,” noted Bacon. “The integration with our Jack Henry Silverlake platform was seamless, and the entire process gave us confidence for future technology rollouts.”

Communication proved essential throughout the deployment. Bacon emphasized the importance of clear, consistent communication during implementation. “We needed a partner who would make the process as smooth as possible for our team,” Bacon explains. “Kinective delivered on that promise from day one, and we felt comfortable with their approach early in the process. Having their team onsite during our go-live week was invaluable.”

“Kinective’s Cash Automation solution has eliminated costly dual-entry while empowering our team to focus on high-value advisory conversations instead of time-consuming manual tasks. Their seamless Silverlake integration ensures we deliver exceptional retail experiences every time.”

– Bill Bacon, VP and Director of Retail Banking & Cash Management Solutions

Enhanced Security

Eliminated Costly Dual-Entry

Positive Customer Response

 

 

The Results

The transformation at Chelsea State Bank’s Jackson Banking Center has delivered measurable benefits that extend far beyond simple efficiency gains, fundamentally changing how the Banking Center operates and serves customers.

Dramatically Enhanced Security

The transition from traditional teller drawers to Teller Cash Recyclers represents a significant security upgrade for the Banking Center. “The difference in security is immediately apparent,” explains Bacon.

“With our previous setup, cash was visible and accessible, creating unnecessary risk for both our team and customers. The TCRs completely eliminate that exposure – money is secure and out of sight, which creates a much safer environment for everyone. Potential threats can immediately see this isn’t a grab-and-go situation, making our location inherently more secure.”

Eliminated Costly Dual-Entry

“Having a true one-to-one interface between our hardware and core system has eliminated the need for duplicate data entry,” noted Bacon. “This direct integration between our TCRs and JH core has streamlined our end-of-day balancing process, making it significantly faster and more accurate. Our Jackson Banking Center now operates with a level of precision that we have been highly anticipating.”

Exceptional Customer Response

The customer experience transformation has been remarkable, with the Jackson Banking Center experiencing increased foot traffic and enthusiastic customer feedback.

“Our customers notice the difference immediately,” says Dezarey Lemar, Lead Customer Service Representative for the bank. “They hear the efficiency of the new system and often ask questions about the technology because they’re genuinely impressed by how quickly we can process their transactions. This improved speed allows our team to spend more time on meaningful conversations rather than manual processes.”

Empowered Team Performance

The entire team now has the tools they need to deliver exceptional service efficiently. “We’ve been able to augment our people with technology that actually makes their jobs easier and more rewarding,” explains Bacon.

“Our team can process transactions faster and focus on building relationships with customers rather than being bogged down by time-consuming manual processes. This has created a much better work environment and improved job satisfaction across the board.”

The success of the Jackson Banking Center implementation has positioned Chelsea State Bank as a strong advocate for Kinective’s solution, with leadership readily recommending the technology to industry peers who face similar operational challenges.

Products Used

Cash Automation

"Kinective's Cash Automation solution has eliminated costly dual-entry while empowering our team to focus on high-value advisory conversations instead of time-consuming manual tasks. Their seamless Silverlake integration ensures we deliver exceptional retail experiences every time."

Bill Bacon, VP & Director of Retail Banking
Chelsea State Bank

KINECTIVE

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