Farmers Bank & Trust selects Digital Onboarding to drive deeper engagement and stronger customer relationships

Boston, MA (Month Day, 2026) — Farmers Bank & Trust, a community bank committed to building strong, long‑lasting relationships through exceptional service, selected the Digital Onboarding engagement platform to strengthen customer relationships, accelerate deposit growth, and replace manual onboarding processes with a more connected, automated experience across the customer lifecycle.

The bank began evaluating new solutions after determining that its previous tech stack no longer delivered the depth of engagement or long‑term value needed to support customer retention. Rather than replacing one point solution with another, Farmers Bank & Trust prioritized a comprehensive platform designed to support onboarding, activation, and ongoing engagement.

“One of our core focuses this year is building and strengthening customer relationships,” said Megan Eller, Chief Experience Officer at Farmers Bank & Trust. “That requires consistent, relevant engagement beyond account opening. Digital Onboarding gives us the ability to automate important touchpoints, streamline follow‑ups, and guide customers through the actions that truly help them get the most value from their relationship with us.”

Prior to implementing Digital Onboarding, the bank’s communications relied heavily on branch staff, manual reminders, and paper‑based processes, creating possibilities for inconsistencies and gaps in the customer journey. By transitioning to a centralized digital engagement platform, Farmers Bank & Trust aims to offer efficiency while delivering digital services and personalized guidance to customers, orchestrated across key channels including in-branch.

Digital Onboarding enables financial institutions to activate customer data from core systems, and industry leading audience and segmentation providers, to drive timely, relevant next‑best actions. For Farmers Bank & Trust customers, this includes simple, self‑service enrollment for key services such as direct deposit, automatic payments, eStatements, digital banking access, and mobile app adoption, all designed to reduce friction and increase long‑term engagement. 

“As institutions look to move beyond disconnected tools, the focus is shifting from clicks and opens to real outcomes like service adoption and engaged relationships,” said Nate Shahan, Chief Product Officer at Digital Onboarding. “Farmers Bank & Trust chose our platform because it supports the full customer lifecycle, from onboarding to ongoing engagement, while giving teams the data and reporting needed to measure what actually drives growth.”

The bank is particularly excited about the ability to deliver more relevant communication by leveraging customer data to better understand behavior and life stages. This approach allows the institution to move away from generic messaging and toward personalized engagement that reflects each customer’s needs over time.

By consolidating onboarding, engagement, and activation into a single platform, Farmers Bank & Trust plans to create a more consistent customer experience across digital and in‑branch channels.

About Farmers Bank & Trust

Founded in 1906, Farmers Bank & Trust is a community bank headquartered in Magnolia, Arkansas, and owned by Magnolia Banking Corporation. With more than 35 locations across Arkansas, Texas, and Oklahoma, and approximately $3 billion in assets, Farmers Bank & Trust offers a full range of financial services, including deposit accounts, trust and investment management services, and business, commercial real estate, construction, mortgage, residential, and consumer lending.

Farmers Bank & Trust combines modern banking technology with personalized community banking service to help customers and communities grow with confidence. To learn more, visit MyFarmers.Bank.

About Digital Onboarding

Digital Onboarding is a data-driven lifecycle engagement platform built for community banks and credit unions. It connects core and third-party data to identify key moments in an account holder’s journey and guide them toward the next best action in their preferred channel, email, SMS, microsites, or digital banking. By engaging, nurturing, expanding, and enhancing account holder relationships throughout the full lifecycle, Digital Onboarding helps institutions increase adoption, retention, and long-term growth. For more information, visit www.digitalonboarding.com.