Discover Bank: An Email from Discover, Or Is It?

I recently received an email from Discover Bank (probably) about adding a layer of security to my account -- and about some other basic ways to keep my account secure.

Email from Discover Bank (probably)

The email itself is informative enough. The subject line reads, "Marc, do you know how to keep your account safe?" The subhead reads, "Learn how to spot bad actors before they spot you." And the body of the email includes all the typically scary Be-Careful-And-Don't-Trust-Anyone-Else language.

But...

The footer includes a reminder to "Add DiscoverBank@bank.em.discover.com to your address book to ensure delivery of these emails." 

The email was not sent from that email address or even from the discover.com domain. The sender is dfscorpor-Unbranded2 <dfscorpor@dfscorpor-2.rsys5.com>. Now, maybe that is a legitimate email address managed by Discover, but it seems like one of those scammer email addresses your father warned you about -- and that undermines their intended message of trust.

So, maybe if you're trying to create trust with your customers, you don't start by making them paranoid.

Lesson:
Consider what you are using as your send email address, especially when sending emails about account security.

Mr. Cooper Renovates His Mail

Last year, I wrote about a direct mail letter from Mr. Cooper offering a home mortgage. It was a Fail for Creative for several reasons. This letter avoids those mistakes and, in fact, applies some smart direct mail marketing tactics.

Mr. Cooper
Invitation to Apply letter

The Johnson Box describes the sales proposition and includes a clear Call to Action. Below it, the headline "Buying a Home Soon? Here Are 3 Reasons to Prequalify with Mr. Cooper" supports the Johnson Box and teases a reason to take action. The body copy supports the headlines by communicating those three reasons to take action. 

The letter goes on to make reference to Mr. Cooper Real Estate Rewards and offers a brief statement that explains the benefit. It closes with a Call to Action to "Call today to prequalify," with an attempt to overcome inertia by explaining that it is fast, simple and totally free.

After the close, there is a modern twist on the classic P.S. with yet another Call to Action. It reiterates the action requested of the reader -- prequalify for a mortgage -- and how to do it -- call a phone number or visit a specific website. 

In the consumer financial industry, this type of letter is an "Invitation to Apply" for credit, while the letter I reviewed last year is considered an "Presentation of a Prequalified Offer." The later requires many disclosures such as a big box on the bottom of the front page with opt-out language. the result is that it is easier for an Invitation to Apply letter to appear clean. Still, that doesn't excuse the mistakes in Mr. Cooper's letter from last year.

Lessons:

1. Have a clear Call to Action and offer. Communicate it multiple times to encourage action.
   
2. Proofread your communications for language and grammar.