Account Dominance

Account dominance is an informal term, used mainly in bank strategy and marketing, for the position of the account that a customer treats as their main one: the account into which salary or business income is paid and from which most bills and card spending are drawn. It is not a regulatory or accounting term, and the more common industry words for the same idea are "primacy" or "main bank relationship". Banks value account dominance because the dominant account brings stable, low-cost balances, payment and card fee income, and data that helps with lending decisions and cross-selling. Neobanks often measure progress by how many users move their salary payments across, since secondary accounts tend to sit near empty. Switching services under the Payment Accounts Directive make it easier to move a dominant account. Also see deposit franchise and retail deposit.