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Fairy Godmothers: Every account holder should have one

A financial institution that watches out for its account holders' best interests? That earns fairy Godmother status. When it comes to the fixed-versus-dynamic overdraft limit debate, it’s easy to see that the former provides peace of mind and predictability while the latter leads to confusion and headaches all around.

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Spring—a season to change, update and grow

By Richard Miller, Executive Vice President


Spring is often a time for lasting renewal. Consider changing your overdraft program by including or enhancing a fully-disclosed model, which can benefit your account holders through authenticity, staff through clarity and the operations through profitability. By striving for transparency, your bank or credit union can transition its growth from occasional to perennial.

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Matrix overdraft systems: more risk than reward?

By Richard Miller, Executive Vice President


Overdraft programs with dynamic limits can be short-sighted by placing profit over principle at unfair and consequential expense to account holders. Their undisclosed methods can lead to higher charge-offs and account holder turnover. In contrast, a fully-disclosed overdraft program promotes transparency and responsible use, providing your account holders with a financial safety net at an established price, one designed to solve a short-term liquidity situation with your account holders.

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Don't be complacent about overdraft compliance

By Cheryl Lawson, EVP-Compliance Review


In the absence of a definitive regulatory ruling on overdraft strategies, some financial institutions have placed their overdraft program on autopilot or have put the idea of providing a financial safety net for their account holders on the back burner. If you’ve become complacent about overdraft compliance, learn how implementing a fully disclosed overdraft privilege program now can help you avoid increased regulatory scrutiny—regardless of when a final ruling is introduced, get back on track to improving overall performance and provide account holders with a valuable financial service.

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Top Five Plays for Building an All-Star Executive Team
By Charles Shanley, SPHR, SHRM-SCP, CFS 
Executive Vice President-Recruitment Services

Rock-star results require a diversity and depth of skills in today’s competitive business environment. High-caliber leadership is essential in dynamic workplaces that can include up to four generations of workers. Read the five steps necessary to access talent for long-term success.

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