Improving Member Relationships While Increasing Revenue

The credit union didn’t have an existing program and wasn’t considering one. Then they engaged with SmartStep Solutions and learned about the numerous benefits it could offer their members.

Throughout their conversations, SmartStep Solutions showed the credit union the benefits that a Courtesy Pay program brought to the credit union and its membership. The board and management of Texasgulf unanimously agreed to partner with SmartStep Solutions.

Within the first six months of launching their Courtesy Pay program, Texasgulf recognized a 40% increase in NSF/OD income.

LOCATION

Wharton, TX

ASSETS

$155 Million

CORE

Total/1 Services

CHECKING ACCOUNTS

7,100

PROGRAM START

December 2012

ATM/POS OPT IN

33%

40%

revenue increase in first 6 months of implementation

client since

2012

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MORE SUCCESS STORIES

The team at Desert Valleys FCU had been managing their overdrafts manually, but were struggling with compliance challenges, training and appropriate member disclosures. Their self-implemented system simply wasn’t producing the results they needed. They wanted to upgrade to a program that would provide automation and consistency for both their team and their members. SmartStep Solutions’ cohesive approach resulted in significant revenue increase, opt-ins and member satisfaction.
With staff and members unhappy with their existing courtesy pay program, the team at Telco CU knew they had to make a change. SmartStep Solutions’ expertise, experience and compliance guarantee led to greater member satisfaction, regulatory peace of mind and an unprecedented increase in revenue.