Adopting an effective marketing channel has become a critical factor today since a marketing channel plays pivotal role that impacts in positioning, placement, promotions, advertising, pricing and other important marketing decision. Studies indicate that meeting diverse needs of customers requires marketing channel decisions that ensures services and products are competently offered to consumers for consumption. Manzerolle and Smeltzer (2011, p.330) posit that in the financial sector, different financial organizations utilize diverse marketing channels that are either direct or which involve intermediaries to meet various needs of their customers. As this paper analyses, all marketing channels have a common factor linking an end customer with a producer but vary in efficiency. It is against this backdrop that this paper focuses on zero level marketing channels and how effective they are in selling financial services and products to customers. In addition, it compares this approach with other approaches used by other established organizations in the financial sector. Direct marketing channel, also called zero level channel has become a major marketing conduit that most financial organizations like banks are using to take products and services directly to customers via means like infomercials, telemarketing, direct sales as well as through mails. Sun and Wu (2011, p. 342) posit that the use of traditional model of utilizing retail channels to penetrate to customers has been regarded as less cost effective and infeasible for companies that are not well established or in the middle market. Direct marketing has emerged as an effective medium for marketing and selling financial services since it leverages on a one-on-one intimate selling. Manzerolle and Smeltzer (2011, p.332) indicate that in the current fast-paced competitive market, the use of zero level channels makes it possible to spread word of a service or a product to customers more effectively, faster and in a wide area due to the availability of mass communication media. Such media include video conferencing, the internet, fax machines, electronic mail, adverting, computer and televisions. The effectiveness of communication within this channel has increasingly grown due to the development of technology. Consequently, this growth and development has made marketing of financial services by marketers in the financial sector to consumers to be rapid and proficient when compared to other channels. A producer to consumer channel has been lauded by scholars of marketing management studies like Kim, Hibbard and Swain (2011, p. 524) as a channel which enhances a marketer’s profit margin. The option to adopt a zero level channel has been considered to be attractive by many financial organizations whose objectives have been to maximize profits. Indeed, as Mary Jo Hatch posits in her model of business dynamics, adopting a zero level marketing channel is a key business concept that enables a producer to manage favorably his sales, reach customers and enjoy all the profits without having to share with distributors or other intermediaries (Manzerolle and Smeltzer 2011, p.332). Indeed, this channel has become a favorite choice of most businesses such as CityBank, which sell its services and products directly to consumers. Additionally, direct marketing is a common p