SUCCESS STORIES
HELPING ALL
ACHIEVE FINANCIAL
SECURITY
We are proud to be a partner who understands the kind of support, resources and services required to help credit unions, and their members, meet their financial goals.
Read on to learn how SmartStep Solutions has become an invaluable asset to our clients.

START A PROGRAM
with SmartStep Solutions

Auburn Community FCU didn’t have a Courtesy Pay program, and they considered partnering with their core processor to create a program. But after careful due diligence, they decided that working with an expert like SmartStep Solutions would guarantee compliance as well as expedite the launch of the program.
IMPROVE A PROGRAM
with SmartStep Solutions

Telco CU had a Courtesy Pay program through their core processor, but the program was under performing and the board was worried about compliance. They worked with SmartStep Solutions to modify their program, capitalize on missed opportunities and improved their comfort level with a compliance guarantee.


WITH A 3ᴿᴰ PARTY
Transitioned to SmartStep Solutions
Your Members matter. We are here to help you help them to achieve and maintain financially stability . learn why utilizing our overdraft protection program will work harder for both of you.
Today financially demands are constantly changes. Learn how upgrading to our comprehensive program provides the strength and security needed to thrive in an uncertain market.
“Working with SmartStep Solutions was our first foray into an overdraft protection product. Their philosophy matched ours—to help as much as possible. Our members wanted this, and really utilize this program—44% of our active checking accounts elected to have Courtesy Pay coverage on their debit cards. We wanted this program to be as member-friendly as possible, while still brining some fee income.”
- Shirley Cate, Providence Credit Union

“We have to bring it back to the member and how it will benefit them. Yes, we are giving them the ability to pay when they do not have the money, but we are also giving them a lifeline to survive until their next paycheck. Now, we are saving them money on the back-end with return check fees and late payments by paying the item and not returning, and now their card is not declined either.”
- Mandy Wagner, Norwin Teachers Federal Credit Union

“Adding SmartStep to our Credit Union was the best decision we could’ve made. I believe that during difficult times, this program may be part of the reason we continue to stay in business. Our members are extremely grateful to have the option to use the ODP money if they need to, and never complain of the fees. The SmartStep staff has been amazing since Day One… anytime I have a question, there is always someone willing to help.”
- Kristen DiNardo, SCA FCU

“When other Courtesy Pay providers saw us as a revenue stream for their bottom line, SmartStep Solutions saw us as a true partner.”
- Shanna Lynch, Forge FCU

“Working with SmartStep Solutions has allowed us to provide a valuable member service while generating significant non-interest income for our credit union. We are convinced our Courtesy Pay program has contributed to our strong checking account growth and retention.”
- Mike Sterry, Texasgulf FCU
