Improve the Financial Wellness
of Your Members

Explore A New
Courtesy Pay Partner

As a credit union CEO, you understand that Courtesy Pay programs have become critical to the financial wellness of your members.

And as a Courtesy Pay partner, we understand that overdraft income has become critical to the financial success of the credit union.  

SmartStep Solutions offers a comprehensive Courtesy Pay program that is easy for your members to use and simple for your team to implement and manage. We pride ourselves on providing everything to launch a new program or fine-tune an existing one. Our Client Success Managers will provide all the tools to ensure that your program is effective. 

Take advantage of our complimentary program evaluation to see how we might help your credit union update your program for better results.      

SmartStep Solutions offers a turn-key program including:

• Compliance Guarantee
• Training Materials for Staff
• Best Practices for a Successful Program
• Written Policies and Procedures
• Proprietary Software
• Customized Marketing
• And More!

About Courtesy Pay Providers

If you’re talking to different Courtesy Pay providers, you’ll see a lot of similarities. But you’ll see a lot of differences with SmartStep Solutions. With other providers, you sign a contract, and you make your monthly payment. You’ll probably hear from them a few months prior to the contract expiration date. With SmartStep Solutions, you’ll immediately be assigned a Client Success Manager who will guide you through the implementation of your program as well as check in with you regularly throughout our relationship with you. Our annual audits will ensure that your program is running like it should, and we’ll share any new or updated policies, procedures, or collateral materials.

Compliance Guarantee

Our program is specifically designed to serve both your members and your credit union. We don’t want you to worry about compliance, because we’ve got it covered. Our legal team ensures that policies, procedures and fineprint regarding your Courtesy Pay program are meeting current regulatory requirements. 

We work directly with your Operations Team and core processor to make sure core settings match program disclosures. We provide compliance-approved language for your opt-in campaign, website, social media, online banking, and all of your messaging needs. 

We Provide Results

SmartStep Solutions has worked exclusively with credit unions nationwide to increase their non-interest revenue by an average of 132%. 

In 2004, we set out on a mission to build a more beneficial Courtesy Pay program for credit unions of any size. We saw the opportunity to provide both credit unions and their members with a better program that helps achieve and maintain financial wellness for the member as well as financial stability for the credit union.

Trying to change our industry isn’t easy, but we keep working because we believe that our unparalleled integrity, proactive mindset, and progressive program help all achieve financial success. We know that your business – and ours – is on the line. It’s why we operate with the highest level of ethical standards, so you can be sure that every member, transaction, and process is 100% compliant, 100% of the time.

We value our working relationships with our credit union partners. Our team of Client Success Managers will be on hand to help you ensure the success of your program. We provide continual support to your credit union staff, so they always have the tools and assistance they need to manage a successful Courtesy Pay program. Some of the tools we provide include:

  • Staff Training
  • System Testing
  • Print & Digital Marketing
  • Program Performance Reports
  • Member Participation
  • Member Disclosures
  • Internal Procedures Alignment with Best Practices
  • Compliance Alerts

What to Expect From SmartStep Solutions

As your trusted partner, we want to ensure that your Courtesy Pay program is successful. That’s why we assign a Client Success Manager to your credit union to guide you through implementation and continue on as your point person. Our proven success includes:

With SmartStep Solutions, you’ll always have a compliance guarantee. Compliance and regulatory rules are constantly changing. Together with our legal team, we continually monitor updates and changes to all regulatory and legal concerns. Our Courtesy Pay program ensures that every member, transaction, and process is 100% compliant, 100% of the time. We provide you with the latest policies and procedures customized to your credit union as well as compliance-approved language for your opt-in campaign, website, social media, lobby merchandising and online banking needs. Our compliance guarantee provides peace of mind that your program continually meets all regulatory requirements.

The best way to educate your members about your Courtesy Pay program is to educate your employees first. SmartStep Solutions provides web-based training for Courtesy Pay to all employees, including step by step procedures for new accounts and tellers. We also provide an Awareness Training Guide and Member FAQ scripting. Additional training is provided at no additional cost.

SmartTech Software is a proprietary, browser-based software solution specifically designed to manage Courtesy Pay. Our proven software easily integrates with any core processing system to provide overdraft enhancements not offered by your core provider. SmartTech is housed in a highly secure, SSAE16 SOC1 Type II data center with managed daily backups. With just an internet connection, you will have secure access to critical management tools including customized collection letters, limit suspension reports, detailed overdraft history for each member and other management reports designed for monitoring your overdraft program.

We’ve learned that even with written disclosures, members still need the personal touch from you to understand their choices. The campaign goal is to inform and offer your members Courtesy Pay for their checking, ATM and debit card transactions, which often results in more members choosing to opt-in. SmartStep Solutions provides the credit union with a Member Awareness Campaign package that includes brochures, lobby merchandising, website banners, digital graphics for social media, as well as employee scripts.

Ready to see how we can help? We offer a free comprehensive analysis of your opportunity to implement or improve your program. By providing us some standard data, we can tell you what to expect when partnering with SmartStep Solutions.