CourtesyConnect^®/OverdraftHonor^®

• CourtesyConnect's profit-enhancing estimates exceeded Chesapeake Bank's expectations, with an increase in fee income of more than 100% over six months. The bank's customers also find it an appreciated service, according to executive vice president, John O’Shaughnessy. » view pdf

• Nassau Educators Federal Credit Union has increased non-fee income by 100 percent, saved approximately 14 percent of time in processing returned checks, and saved members the embarrassment of dealing with bounced checks, while emphasizing member protective practices. » view pdf

• First United Bank’s courtesy pay program is in complete compliance with federal guidelines, which was verified by FDIC regulators who were impressed with the program’s thorough Best Practices. » view pdf

• Farmers Bank & Capital Trust Co. implements courtesy pay program and learns that the service is used and appreciated by all customer groups, not just a small socioeconomic subset. » view pdf

• Irwin Bank & Trust Company — “We were not looking for a quick revenue increase, but were more interested in doing courtesy overdraft the right way, and BSG Financial provided the tools to do that.” » view pdf

• First State Bank Helps Businesses Recover 75% of Returned Deposit Items with Re$ubmitIt®. “I would and have recommended BSG Financial and Re$ubmitIt® to others, because the program exceeds every one of our needs…and I love how the company does business,” says Ragena Moore, senior vice president of operations for the bank. » view pdf

• First Central Bank introduces small business customer, Odessa BP, to Re$ubmitIt®, which has been able to collect funds from 88% of the NSF checks it receives, where traditional collection methods typically result in a 40% recovery rate. » view pdf

• Third National Bank helps Sedalia School District takes the burden of check collection out of the school districts’ hands, while improving NSF check recovery rate to 75%. » view pdf