Create Overdraft Program

“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.”

Southland Federal Credit Union
Lufkin, TX

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SmartStep Solutions has a proven process for implementing successful overdraft programs. Our comprehensive solution includes member disclosures, conservative but effective limits, internal policies and procedures, staff training, member awareness strategies to increase opt-ins, collection management software, and ongoing program support all wrapped with a 100% compliance guarantee.


More and more consumers are migrating to electronic and digital payments—in fact, a recent study shows debit cards are used 2X more than credit cards with an estimated 60 billion transactions per year. Without a structured overdraft program, your members do not have the option of overdraft protection for their debit card transactions. Without this added protection, they may be turning to another financial institution to meet their primary banking needs.

In response to the 2010 Reg E amendment for opt-ins, many credit unions attempted to recover lost NSF/OD income by allowing members to opt-in without providing an overdraft limit. Unfortunately, this incomplete approach has resulted in member confusion, unfair practices, poor income performance, and regulatory concerns.

Don’t wait any longer to implement your own program! With no upfront costs and pay-for-performance pricing, the only thing you have to lose is future income and potential member growth! To find out what we can do for your credit union, complete our request for information.

Overdraft Program Analysis

Our Comprehensive Solution Includes

No upfront cost for credit union

100% compliance guaranteed

Avg NSF/OD income increase of 132%

Disclosures, policies, and procedures

Creative marketing, including social media

Remote program implementation

Web-based training

Member opt-in campaigns

Secure, browser-based software

Performance-based pricing

Implement Your Program Today!

SmartStep Solutions’ clients generate 3X more revenue than credit unions who implemented programs on their own or in conjunction with core data processors. Our proven expertise, efficient implementation, and dedicated support make all the difference.

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