Salesforce Marketing Cloud Journey Design: Bank Account Onboarding

This is a journey design, a written spec and flow diagram, not a live build in Salesforce Marketing Cloud. I made it for Harborline Bank, a fictional bank, because the first month after someone opens an account decides a lot. New checking customers enter from a Data Extension that Automation Studio refreshes every night. Over 30 days, Decision Splits check whether they've enrolled in online banking and activated their debit card. People who haven't get reminders, with SMS only for those who opted in. If the card still isn't active, the journey flags the contact for a branch follow-up. The goal is direct deposit. Once it's set up, the customer exits. I also covered suppression rules and the KPIs I'd track.