Improve Existing Overdraft Program

“Our credit union had an overdraft program in place prior to working with SmartStep Solutions. However, not only was SmartStep Solutions able to help us increase our NSF revenue by 44%, but their program made the daily management of our program quick and simple. Their staff is very helpful and the compliance support has been very beneficial.”

Alco Federal Credit Union
Wellsville, NY

More Testimonials

With so many new products and services to consider, it’s easy to place your overdraft program on the back burner. But did you know NSF/OD income is a primary source of non-interest income, and that debit card transactions account for the largest non-cash payments by consumers? Now is the time to let us evaluate your existing overdraft program to see how we can boost your income and debit card usage.

Many credit unions implemented an overdraft program in 2010 due to the Reg E Amendments for opt-ins. However, without ongoing oversight, overdraft programs can fall apart, leading to reduced revenue and regulatory concerns. In addition, low member participation is often a result of program mismanagement. Exclusion of members from your overdraft program will lower your income and may mean those members are turning to another credit union to meet their banking needs.

SmartStep Solutions’ overdraft program revitalization can turn that around. Through new marketing, core system analysis, staff training, regulatory updates, streamlined operational processes, and transparent disclosures, we can significantly boost your non-interest income and member participation. Our “review and restore” process will get your overdraft program back on track.

To find out more, simply complete a request for information form for a complete analysis of your current program. Once submitted, we will provide you with a proposal detailing how SmartStep Solutions can improve your overdraft program.

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Our Comprehensive Solution Includes

No upfront cost for credit union

100% compliance guaranteed

Avg NSF/OD income increase of 46%

Disclosures, policies, and procedures

Creative marketing, including social media

Remote program implementation

Web-based training

Member opt-in campaigns

Secure, browser-based software

Performance-based pricing

Improve Your Overdraft Program Today!

If your overdraft program has been neglected, you could be losing essential non-interest income. SmartStep Solutions can revitalize your program, increasing value for your members and credit union.

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