Our Clients

Our overdraft privilege solution has proven successful among numerous U.S. financial institutions. Read about our clients’ experiences below.

“When Pittsburgh Central FCU was looking for alternative income in addition to our interest income from loans and investments, a trusted friend of the credit union introduced us to SmartStep Solutions’ overdraft protection as a solution. In the preceding months, I interviewed other providers of Courtesy Pay and was surprised at the fees those companies expected from the credit union for servicing the program, which would have caused Pittsburgh Central a profitability concern. SmartStep provided a complete solution for this credit union. The initial marketing materials, program compliance, and an ease-of-use administering process was a welcome surprise – especially in an industry that does more with less as a rule. SmartStep and its employees have been wonderfully supportive of the needs of the credit union. They provide a great product, great service, and definitely a preferred service provider in the credit union movement!”

240% Increase in NSF Income

Pittsburgh Central Central Federal Credit Union
Sewickley, PA

“Our credit union had an overdraft program in place prior to working with SmartStep Solutions. However, not only was SmartStep Solutions able to help us increase our NSF revenue by 44%, but their program made the daily management of our program quick and simple. Their staff is very helpful and the compliance support has been very beneficial.”

44% Increase in NSF Income

Alco Federal Credit Union
Wellsville, NY

“Thanks so much for all you do. It’s nice to work with a vendor that takes care of you. Just the periodic program updates and reminders from SmartStep Solutions, that keep us on top of things, are so nice. We are happy with everything you do for us.”

74.90% Increase in NSF Income

Temple-Inland Federal Credit Union
Diboll, TX

“ARC did not have an overdraft program in place prior to SmartStep Solutions, so we had some reservations about the projected increase in fee income this program would create. We are happy to report that, 6 months into the program, we have already reached the projected 120% NSF/OD revenue increase. Thanks SmartStep Solutions!!”

120% Increase in NSF Income

ARC Federal Credit Union
Altoona, PA

“SmartStep Solutions has been a great source of income for our credit union over the years. Since implementing our ODP program, we have recognized and sustained over a 500% growth of our NSF income, with relatively minimal effort or staff resources required on our part.”

534% Increase in NSF Income

Superior Savings Credit Union
Massillon, OH

“We were looking for an ODP vendor to increase revenue, when our core processor recommended SmartStep Solutions. After talking with them, we were pleased to find that they had very competitive pricing along with a compliance guarantee. Once we signed with them, the implementation process was flawless, and Becky was phenomenal. Our revenue has far exceeded our expectations. Prior to implementing the program, our NSF fee was $35. When we officially launched our ODP program, we lowered our NSF fee to $25 and since then, we’ve more than doubled our monthly NSF income. I would absolutely recommend them to any credit union – they’re a great vendor!”

160% Increase in NSF Income

New Horizon Federal Credit Union
Barberton, OH

“We’ve been using the SmartStep ODP program for years and have averaged a 300% increase in revenue. Our members continue to appreciate and utilize the service. In this economy, our members are trying to stretch their paychecks as much as possible, and this gives them a little help in between paydays. Our board of directors is thrilled with the overall results – additional income as well as providing a safety net for our members.”

380% Increase in NSF Income

Painesville Credit Union
Painesville, OH

“SmartStep Solutions has a great ODP program that has provided a significant amount of income for our credit union. I don’t know where we would be without it, especially in this economy. The implementation was simple and easy – the initial training from our SmartStep representative was extremely thorough, and all staff members were fully educated about the details of this program. As any CEO knows, launching a new product can be chaotic, but the SmartStep team made it a breeze.”

114% Increase in NSF Income

Pennstar Federal Credit Union
Hermitage, PA

“The main reason we chose SmartStep Solutions was because of their pricing structure. Our current Data Processor endorsed another vendor for ODP, but the SmartStep program was much less expensive and provided substantially the same service. The implementation was simple, and the SmartStep group has followed through on everything they promised. We’re very pleased with the results from our ODP program. Since initiating our partnership with SmartStep, we have increased our NSF fee income by 100%.”

103% Increase in NSF Income

DCH Credit Union
Tuscaloosa, AL

“Since starting the program in 2005, we have averaged over a 200% increase in net NSF revenue and more importantly, members continue to use the program and appreciate the service. The Board has been very pleased with the overall results of this program and SmartStep delivered exactly what they promised; a program that saves our members from paying merchant fees, using payday lenders and produces new net income for the credit union.”

235% Increase in NSF Income

Canton Police & Firemen’s Credit Union
Canton, OH

“When we decided to research ODP vendors, a neighboring credit union suggested we contact SmartStep Solutions. We evaluated several vendors and determined that SmartStep would be the best fit for us. Overall, our experience with SmartStep has been wonderful. The program has had a great response from our members, and the SmartStep staff was (and continues to be) extremely helpful whenever we have any questions or need their assistance.”

74% Increase in NSF Income

Omega Federal Credit Union
Pittsburgh, PA

“Kayla, just a special ‘thanks’ for the wonderful job you are doing for us. Knowing we can count on you if we have any problems helps us to relax.”

196.32% Increase in NSF Income

Heights Community Federal Credit Union
Bethlehem, PA

“When we were considering a Courtesy Pay program, our state examiner referred us to SmartStep Solutions. Once we discovered everything they offered, we were pleased to see that they manage and maintain all of the compliance requirements of the program. That takes the burden off of the credit union staff to make sure current rules and regulations regarding Courtesy Pay are current. If anything changes, SmartStep notifies us and updates our brochures, policies, letters, disclosures and whatever else is needed – that’s a wonderful value to our credit union.”

172% Increase in NSF Income

Co-op Toledo Credit Union
Maumee, OH

“Like many CEOs, I was looking for additional services to offer our members, that would also generate income to help the bottom line. Another credit union CEO referred me to SmartStep Solutions. After meeting with them, I knew their product would meet both of my objectives. Once we launched the Courtesy Pay program, we immediately recognized an increase in the bottom line, and it’s grown ever since. Their staff is always up to date on compliance changes, their software is very user-friendly, and they continually offer that extra step of service.”

355% Increase in NSF Income

Southland Federal Credit Union
Lufkin, TX

“We’re a small credit union, and we were having difficulty interpreting the new implementation of Regulation E. We started asking our peers about ODP providers and they recommended we research SmartStep Solutions. After performing our necessary due diligence, we signed up with SmartStep Solutions. Our representative, Kayla, was extremely patient and knowledgeable about her product. We totally relied on this company’s credit union expertise and can state that the staff was phenomenal during our implementation. Since we launched our ODP program, the staff has remained steadfast with their excellent customer service. They are friendly, professional, knowledgeable, and a pleasure to work with during these tumultuous regulatory times.”

38.77% Increase in NSF Income

Clarence Community & Schools Federal Credit Union
Clarence, NY