At first glance, Call Report data between 2012 and 2015 paints a rosy picture of the increased number of credit union checking accounts. But as earnings continued to lag during the same time frame, the growth in account numbers is overshadowed by an income loss of $1.70 per account per month - or $1.168 billion industry wide. While new income sources remain scarce and costs for compliance and technology are expected to increase, learn how you can make the most of continued growth in membership potential with a results-driven overdraft program.

By Kimberly Cockrill, Publications Manager, Cornerstone Credit Union League 

As regulators continue to scrutinize rules affecting overdraft programs, having robust software that provides more efficient program management can help increase revenue. Learn how offering overdraft services provides a real solution for account holders works.

By Jan Southern, Senior Consultant 

While the overall number of consumer branch visits continues to decline nationally, there are still many instances where account holders prefer face-to-face advice on their financial transactions. This can be challenging for traditionally staffed institutions that are committed to maintaining efficiencies, while providing the best service possible. Learn how a staffing study will result in appropriate staffing levels and scheduling that can reduce personnel expenses and guarantee a better experience for your account holders … no matter how they access your services.

DELAYING ACTION UNTIL REGULATORS ISSUE NEW RULES NEGATIVELY IMPACTS MORE THAN YOU THINK

By Cheryl Lawson, Executive Vice President-Compliance Review

In an environment where interest rates are low – and few product and service options exist for generating revenue – uncertainty surrounding how regulators might rule on overdraft solutions is keeping many institutions from earning the fee income they need to maintain a strong bottom line and serve account holders’ needs. Learn how a fully-compliant overdraft program can provide substantial revenue gains for your institution, without adjusting fees. Otherwise, taking a wait-and-see approach will cost you potential income and improved service opportunities.