Welcome to Strategic Partners
Through our Association Service Corporation, Mountain West Credit Union Association is your credit union’s partner in boosting revenue and reducing overhead. By harnessing our collective buying power, we are able to bring you the business-critical strategic solutions vital to your credit union.
Lending Risks Across the Rocky Mountains in 2021 and Beyond
With credit unions in Colorado and New Mexico being hit with regulatory and legal risks around GAP refunds of unearned premiums, you’ll speak to regional Risk and Lending Experts and learn:
• How to determine your obligations regarding refunds
• The best ways to organize and track the status of your GAP Waivers
• Best practices moving forward to work with dealers to ensure continuity on indirect loans
Join CUNA Mutual Group’s panel of experts, who will discuss best practices and procedures from both a lending and risk perspective while exploring the current regulatory exposures credit unions face.
Mar 11, 2021 10:30 AM AZ/CO/WY ~posted 2-25-21
The Economy This Spring: Increasingly Sunny with Cloudy Periods
As the year winds up and the first quarter winds down, you may be wondering—what can we expect from the economy heading into Q2? Elliot Eisenberg will be joining us to discuss just that. Tune into Origence’s first installment of their Economic & Lending Trends Webcast Series to hear the latest data and insights and a detailed forecast for what to expect this Spring. Tuesday, March 9th at 12pm MST
Get your free video banking implementation guide for 2021
Access the guide here to learn the 5 best video banking implementation practices, plus more about:
• Video call volumes
• Channel utilization
• Mobile app deployment
• Virtual branches
• Operational Efficiencies
Which one of these makes senior management smile?
• Eliminating a large capital expense
• Reducing operations costs by 15-30%
• Creating operational efficiencies that enable staff to have more time to focus on the member
• All of the above
Answer “D” and achieve them all by outsourcing the most painful parts of your ATM program. Consult with your Association to find out more. ~posted 2-12-21
FIS’ Premium Payback Partners with PayPal’s Pay with Rewards
Financial institutions of all sizes need to establish a competitive advantage that drives customer engagement and builds loyalty, without adding to rewards program costs. Innovative reward redemption options like FIS’ PremiumPayback have already proven to be an effective tool that builds and deepens cardholder relationships, differentiates the FI’s loyalty program and encourages greater spend and use. Now partnered with PayPal’s Pay with Rewards, this program gives participating financial institutions’ cardholders real-time rewards redemption options at the 22 million merchants who use PayPal and allows FIs to extend Premium Payback redemption options into e-commerce channels. Read the case study here and contact Lisa for more information. ~posted 2-5-21
Want members? Need loans? iLending has both.
With over 20,000 qualified monthly leads, get access to members actively seeking to refinance their vehicle with FICO scores from 560-850. Fully customizable based on your field of membership, you will set pricing, determine loan volume and borrower criteria, and have the ability to target specific consumer markets. Current MWCUA credit unions love this program; please contact Mike or Lisa for more information on how iLending can help you reach lending goals. ~posted 1-31-21
Study: Instant Issuance™ leaves members delighted, engaged
Read how one credit union chose Instant Issuance™ for its on-the-spot, in-branch issuance of personalized PCI-compliant EMV credit and debit cards, seamless interface with their internal processes, low maintenance and training, plug and play technology, and reduced operational expenses. Good for credit unions of all sizes, please contact us for more information. ~posted 1-24-21
Next level financial first responders
As you plan for 2021, consider whether the U.S. Treasury Department’s Community Development Financial Institution program (CDFI) certification could help take your credit union to the next level as a financial first responder. To learn more about the CDFI program and hear the experiences of two CDFI credit union CEOs, here is an article from Christopher Roe, SVP of Corporate and Legislative Affairs at CUNA Mutual Group. Or complete this short online form to register for an upcoming educational session about the benefits of and application process for CDFI certification. ~posted 1-15-21
Why is video banking thriving?
Has your credit union discovered the value of video banking? At a time when video banking continues to evolve, strong membership behavior suggests our impacted world is not only embracing video banking but demanding it. Join POPi/o January 21 at 10 am to find out why it’s thriving and what’s next.~posted 1-12-21
Considering CDFI for 2021
As we look forward to all that 2021 holds, we wanted to put a spotlight on a program that may help you expand your services to those communities that need it most. The U.S. Treasury Department’s Community Development Financial Institution program (CDFI) is designed for qualifying financial institutions to build capacity in developing and delivering resources to underserved communities.
Inclusiv and CUNA Mutual Group have teamed up to extend awareness and utilization of the CDFI program in a series of weekly calls. If you have considered CDFI certification in the past, or just want to learn more about accessing these resources, tune into these weekly sessions to receive answers to your questions about the process. Complete this short online form to register for an upcoming session. ~posted 12-11-20
2020 – A Year in Review – What does it mean for your 2021 video banking implementation?
Branch closures, employees working from home, significant changes to business strategy, and an ever-changing business environment. What have we learned as we gear up for 2021? Topics will include: 2020 Video Banking Call Data, Virtual Branch Deployment Types, Virtual Branch Operations, and much more. Register here for this webinar from POPi/o on Thursday, December 17th at 10am. ~posted 12-11-20
Give Your Cardholders the Loyalty Rewards They Want
Rewarding cardholder loyalty is nothing new. But what it looks like is evolving. Retailers and fintech companies are offering more flexible rewards, better deals and generous cashback percentages that rival traditional loyalty card programs. These expanded offerings and easier redemption options are catching cardholders’ eyes – and their wallets.
The increasingly competitive landscape means that financial institutions can no longer rely upon traditional approaches to loyalty rewards. As institutions seek ways to counter challengers and differentiate their programs, understanding what cardholders are looking for in loyalty rewards is key. To read more about the top three motivators, click here for the full article or contact Lisa at the Association for more info. ~posted 12-4-20
It’s Not Too Late to Offer Discounted TurboTax to Members for 2020
This tax season your members may be full of questions about the tax implications of stimulus payments, unemployment, etc. Please join us Tuesday, December 1st at 11:00am and learn:
• How offering TurboTax is free to you and can help strengthen your member relationships.
• Creative ways to tie tax refunds to your core products and services to improve member engagement.
• About offering discounts to members – last season members saved over $1.4M on TurboTax.
• How capturing tax refunds grows deposits and investments – over $239B in refunds were directly deposited into financial institutions last tax season.
• New tax related content you can use to educate your members on how the events of 2020 may affect their taxes.
Data Analytics and the Digital Future
Attend AdvantEdge Analytics’ next VantEdge Point webinar, “Build Your Analytics Muscle,” with fintech innovator and international speaker Scarlett Sieber on November 19th at 1:00 pm MST. Scarlett will dive into the changing world of technology, the impact of Covid-19, and the role data plays in the digital future. Click here to register!~posted 11-13-20
Housing and Mortgage Market Outlook for Lenders
The current economic and market environment provides a number of challenges and opportunities for lenders. With mortgage rates dropping to record lows and the housing market rebounding, many questions still remain about where the economy is heading. Join Origence, with guest economist Michael Fratantoni, to hear current data and the outlook for rates, housing and mortgage markets, plus lender profitability for the year ahead. Thursday, October 19th at 12pm
Offering Your Members Discounts on TurboTax
This year, credit unions will likely get many questions about the impact of CARES Act-related unemployment checks and stimulus checks on their taxes, and the TurboTax program is here to help. Register now to learn about the benefits of the program for your members and your credit union.
Tuesday, Nov. 3 (11:00am AZ/CO/WY)
Already enrolled in our TurboTax Program? Register for one of the upcoming Marketing Best Practices webinars listed below to learn about key marketing dates, FREE email service, and tips for a successful tax season!
Thursday, Oct. 29, 2020 (11:00am AZ; 12:00pm CO/WY)
Wednesday, Nov. 4, 2020 (11:00am AZ/CO/WY)
AdvantEdge Analytics Webinars Now Available On Demand –
Leveraging Data to Help Members Impacted by Covid-19 – Explore strategies for identifying members most impacted by the pandemic and tips for how to activate your data. Watch on demand >
Adjusting Analytics Strategies Throughout the Stages of the Covid-19 Crisis – Learn ways to future-proof your analytics strategy as supply, demand and human behavior changes – at times, quickly and dramatically. Watch on demand >
What happens after the Skip-a-Pay? – When the deferment period is over, credit unions will be dealing with members who are still in financial trouble. Here’s where Rate Reset comes into play, with patented reset solutions that remove all friction from a typical loan refinance. Members who qualify for your offer can extend the term to lower their payment, and the rate either stays the same or goes up. Depending on the offer, the credit union can acquire additional yield and help ensure payments resume, plus allow the member ease back into their financial obligations. For a demo of the product, please contact Lisa to schedule. ~posted 9/10/20
Our Best Pricing Yet on Visa Gift Cards – Great for smaller credit unions, this turnkey program is easier than ever. You pay only for the cards ($1.25 each) + shipping, and there’s no minimum order. Even the marketing materials are free, so contact Lisa and be up and running in time for the holiday shopping season! ~posted 9/4/20
The Economy, the Housing Market, and How it Might Affect Lending – As COVID continues to take a toll on our nation, it’s still unclear how and when our economy will bounce back. Join Origence for their latest Economic & Lending Trends Webcast as Elliot Eisenberg, Ph.D provides his take on where the economy is now, where it could be going, and how it might affect your lending. September 2nd, 11am AZ, 12pm CO/WY -posted 8/25/20
Collections as a Result of Covid – It’s no secret that many credit unions have been deferring loan payments to help members struggling during the pandemic. Now many months in, collections and delinquencies are coming into play. That’s where TCPA-compliant text messaging from Eltropy comes in. Data shows texting is 40X more effective than phone calls in engaging members for collection purposes. One credit union in our region went so far as to say that they continue to be “blown away” with how effective text messaging is for loss mitigation. Please email Lisa to schedule a demo. -posted 8/17/20
Selecting an LOS Platform – Digital lending is quickly transforming the way lenders do business and at the center is having the right origination platform. Origence has gathered a panel of the brightest minds to share their insights on things to consider when searching for a new loan origination system. You’ll learn how to compare and narrow down the options to find an LOS that will lead your team to success. With this webinar, you’ll walk away with:
- An understanding of essential factors to consider and questions to ask before purchasing
- A comprehensive overview of key features to help scale your lending team
- Knowledge of automations that enhance staff performance and consumer experience
- A clear perspective of industry standards
Thursday, August 20th at 11am AZ, 12pm CO/WY -posted 8/10/20
Reduce Expenses and Vendor Headaches with ATM Outsourcing – Please join us for this introduction to Dolphin Debit, our new turnkey ATM outsourcing program. Dolphin Debit recently outsourced 8 ATMs, saving the credit union over $200K in capital outlay and 20-30% in operational costs. Whether you have 1 ATM or 100 ATMs, this program can save you money, take away the pain of managing vendors, and let you offer members the most updated hardware and software. August 11th at 10 am AZ/11 am WY/CO. -posted 7/21/20
Building Digital Trust Now – Members are permanently moving toward contactless transactions, which means your credit union must respond with a digital strategy and digital trust. Protecting and safeguarding your members’ identity will be key to developing digital trust with your members. Please join us for a webinar Wednesday, July 15th and learn how to create digital trust between your credit union and your members in an omni channel environment.-posted July 10, 2020
Discovery™ 2020 – Registration Now Open! Join thousands of credit union leaders across the country on August 13th for CUNA Mutual Group’s free virtual Discovery 2020 Conference. Take advantage of this valuable opportunity to connect with others, gain insights from industry experts, and further develop your strategic planning – all in the comfort of your own home or office. -posted June 26, 2020
Moving Forward Forum: Insights and Strategies – Change is accelerating faster than ever. Plans are out of whack. Budgets are tight(er). That’s where being part of the credit union system makes a difference; we know how to pull together to share resources that help you make more informed decisions. Join us on Thursday, June 25 for three complimentary sessions hosted by credit union industry experts at CUNA Mutual Group:
– How Leveraging Agility Will Help You Meet Uncertainty Head-On
– Maximize Credit Unions’ Non-Interest Income
– Multicultural Consumers—The Good, The Bad and The Opportunity
– posted June 10, 2020
Free Video Banking Offer Ends June 15 – Act now to sign up for Popi/o’s special 60 day free trial of their state of the art video banking platform. One credit union joined the platform since the Covid-19 pandemic and in 30 days opened 800 new business accounts and closed over 3,500 loans totaling $165 million. It can be implemented quickly and is cost-effective for all asset size credit unions. Please email Lisa to get scheduled for a demo. -posted May 12, 2020
The COVID-19 Recession and its Impact on Credit Unions – In addition to the regular trends report, CUNA Mutual’s Steve Rick also includes video commentary on the current economic conditions facing credit unions and what leaders need to know as they work to serve member needs. Video commentary is under the heading, “Helping You Navigate These Uncertain Times”. The webinar with Tim Harrington, CPA, Founder & President of TEAM Resources, explained how credit unions can respond to the COVID-19 economic impact. Based on Steve’s economic outlook last week, Tim gave practical guidance to help control the balance sheet, manage the income statement and minimize losses in the “new normal”. Here’s a link to the recording. – posted May 7, 2020
Easy to Offer Credit Card Program for Smaller CUs – 60% of all credit unions now offer credit cards and a solid credit card program is essential for a credit union to remain competitive. For many smaller CUs, the initial cost of providing a card program is prohibitive. That’s where the newly redesigned EZ Launch program with no start up costs will allow you to further serve your members and improve your bottom line. No monthly costs, no risk, and the CU can purchase the portfolio at a later date. Please contact Lisa to get started. -posted March 12, 2020
3 Marketing Strategies that Drive New Accounts and Core Deposits – This webinar from CUNA Strategic Services discusses marketing strategies you don’t want to miss, including:
~Offering attractive reward products that make you stand out, yet are still profitable
~Providing an experience that consumers expect and that maximizes your sales funnel
~Running multi-channel programs that leverage data science and predictive analytics
Register here: Tuesday, March 10 at 1 pm MDT, 12 pm PDT -posted February 20, 2020
Planning for your ACET Assessment? – Since the NCUA released its supervisory priorities two weeks ago, we know many CUs are actively planning for how to fulfill the ACET assessment for cybersecurity compliance. Our CUNA Strategic Services provider, TraceSecurity, has developed services to not only deliver the initial maturity assessment, but also a framework to evaluate the identified critical controls in the years between ACET assessments. For smaller credit unions, TraceSecurity has built a specific solution that enables you to meet requirements with the same efficiency as larger credit unions. Please contact Lisa to get started. -posted February 11, 2020
Eltropy Text Messaging Platform Grows 1,200% in 2019 – Credit unions everywhere are recognizing the need to communicate with members via text, and the growth of our Fintech partner Eltropy is a result of that recognition. Eltropy’s CEO and co-founder Ashish Garg said, “By proving to credit unions that Eltropy is fully committed to helping them leverage text messaging to deepen those connections with members, we have become a trusted partner and look forward to continuing to grow as a company to better serve our customers.” Garg emphasized the importance of Eltropy remaining committed to serving the entire industry, regardless of a credit union’s asset size. Please contact Lisa at your Association to schedule a demo today. -posted January 31, 2020
Transform Your Credit Union with the Power of Data and Analytics – In this session, you’ll discover how the right strategy, culture, tools and data can help you better understand each member and deepen member relationships. Join leaders from AdvantEdge Analytics to:
• Learn the fundamentals of a data analytics strategy for credit unions
• Define use cases for getting the most value out of your analytics investment
• Discover how to build a roadmap for success
• Explore how to translate your roadmap into actionable next steps
Please register here for this informative webinar on January 22nd at 12 pm MST. -posted January 10, 2020
What’s Trending in Lending: Marketing to Millennials – As the largest living generation, Millennials are in-market for almost every product or service a credit union offers. Before you can earn their business, you first need to get their attention and keep it. In this short video, you’ll learn how to reach these consumers, what they’re looking for in financial service providers, and how to grow the relationship. -posted January 7, 2020
Enlisting the Help of an Overdraft Expert Can Lead to Big Results – When it comes to your overdraft program, do you take a Do-It-Yourself approach? Find out how a little help from an expert can streamline your processes, offer better service, save your staff time and boost your bottom line. Please download this white paper to see why overdraft program know-how and experience provide the framework for superior results and compliance peace of mind. – posted December 12, 2019
Get the CUMONEY® Everyday Spend Card for Tax Season – With tax season coming up, you may advise members to put some of that “extra” money away toward long-term financial goals, but they may choose to enjoy some of it as well. You can help them save or spend that tax refund responsibly while staying within a budget by loading all or a portion of the funds onto an LSC CUMONEY® Everyday Spend card. Your members can keep track of the balance and what they’ve spent with the free CUMONEY® mobile app. It’s a simple, responsible way for members to enjoy that refund. For information, please call 800-942-7124 or email firstname.lastname@example.org. -posted November 21, 2019
AdvantEdge Analytics Launches Consulting Product for CUs of All Sizes – Credit union data analytics firm AdvantEdge Analytics just announced the launch of its Consulting Services business line. The services complement their cloud-based Data Platform, a set of end-to-end analytics technologies designed specifically for credit unions. Consulting Services may be used with or without integrating the Data Platform. “From Fortune 500 companies to community financial institutions, the lack of a definitive business-driven strategy is the single largest barrier to data and analytics success,” said President Mike Defnet. Click here to read more. -posted November 12, 2019
Strengthen Member Relationships with Discounts on TurboTax – The 2019 tax season is right around the corner! Please join one of our upcoming webinars where you will learn about:
- Capturing tax refunds to grow deposits and investments – over $239B in refunds were directly deposited into financial institutions last tax season.
- Using relevant tax related content to improve your share of wallet and help keep more of your members’ financial activities within your credit union.
- The creative ways you can tie tax refunds to your core products and services to improve member engagement.
- Ways to remind your members how financial health matters all year long, not just at tax season, and what they can do now to save on their taxes.
Gas Station TV Promotes Open Your Eyes Campaign – We are excited to announce that from October 11-17, 2019 an Open Your Eyes to a Credit Union® 15 second commercial will be aired here in our states, and on approximately 20 thousand GSTV stations across the country in celebration of International Credit Union Day. Here in Arizona, Colorado, and Wyoming, the week-long promotion will be shown at 750 stations and be seen by over 1,650,000 people! To learn more about the campaign, or the benefits of promoting your own credit union on Gas Station TV, we invite you to attend a brief (1/2 hour) webinar. Upcoming webinar times are:
Tuesday, October 1, 2019 at 2:00 p.m. (EST) – Click here to register
Thursday, October 3, 2019 at 4:00 p.m. (EST) – Click here to register
-posted September 24, 2019
Our Best Pricing Yet on Visa Gift Cards – Great for smaller credit unions, this turnkey program is easier than ever. You pay only for the cards ($1.25 each) + shipping, and there’s no minimum order. Even the marketing materials are free, so contact Lisa at Lslaymaker@mwcua.com and be up and running in time for the holiday shopping season! – posted September 5, 2019
Is Your Credit Union Engaging Members Via Text Today? – Text Messaging is now the most preferred communication medium as 75% of members choose text over email to interact with their Credit Unions. Register today and learn:
- How to use Text Messaging for Lending, Collections, Disaster Recovery, Branch, Marketing, Sales, Service, Internal Communication, and much more.
- How to navigate compliance hurdles, integrate Texting with core banking + other IT systems, and receive business analytics while using Text Messaging.
- See how other CUs are using this channel and implement your Text Messaging strategy in four easy steps!
Discovery Conference™ 2019 registration is Now Open! – This year’s event theme is “Know More. Grow More”, and the conference is packed with fabulous speakers and valuable content to help credit unions jump-start their strategic planning. There is no cost to attend, no travel expenses and no time out of the office. With sessions scheduled throughout the day, you can participate based on your own schedule – all day, or a portion of the day. Register Now! -posted July 29, 2019
How to Effectively Manage High-Risk Members: Download the eBook – This FREE eBook discusses the challenges of conventional approaches to managing high-risk members and highlights four key areas of focus to strengthen CDD/EDD. Learn how to make high-risk member management more effective and efficient, and how to enhance your overall BSA/AML program. Download here -posted July 11, 2019
Sprint Tops the Charts with Fastest Download Speeds in Denver – Sprint’s Next-Gen Network investment is taking hold and new independent tests show Sprint tops the charts for fastest download speeds in Denver. In recent indoor and outdoor testing by RootMetrics® in Denver’s urban core, Sprint demonstrated the fastest download speeds. Indoor and outdoor testing was conducted during peak-usage hours in the busiest areas. Further, Sprint now has an even better member offer, including an improved rebate program for credit unions. Members receive $100 cash for every new line activated and existing users get a $100 per year loyalty cash reward. Credit unions earn $25 for every new line their members activate. Please email Lslaymaker@mwcua.com for more info. -posted June 24, 2019
Attract New Members and Earn Non-Interest Income – What if there was a program that could simultaneously attract new members into your branches, provide your credit union with more opportunities to upsell its financial products, and deliver a new source of residual income? And what if this program had no cost to your credit union? Newtek’s Micro-Lending program (“Branch Cash Advance”) delivers all this and more. Download Newtek’s white paper to learn how the program can help your credit union – or contact Will Rose at Newtek to learn more about the program. -posted May 26, 2019
Five Ways to Acquire New Accounts Now – What if you could peek at the acquisition game plan several credit unions have used to successfully achieve account growth and annual goals? We’ve developed a guide that outlines marketing tactics used by our clients to boost deposit acquisition. Even better, these tactics can be developed and deployed quickly to build accounts and balances. Download the guide and discover the key levers to pull to ramp up your deposit acquisition efforts. -posted May 19, 2019
Safeguard Your Revenue, Relationships and Reputation – There’s a lot of pressure today to keep up with outside factors—the latest technology, regulatory expectations, competition in the marketplace and mobile payment apps that could impact fee revenue. Sometimes trying to juggle these challenges can be exhausting. Fortunately, there’s a way to protect existing non-interest income, strengthen account holder relationships and avoid compliance or legal concerns with one next-generation solution that’s easy-to-implement and maintain. Read more. -posted April 5, 2019
Offer the Visa TravelMoney® in time for Summer – Members are thinking about their summer travel plans and now you can offer them the perfect travel companion – the CUMONEY® Visa TravelMoney® prepaid debit card from LSC®. Instant issue, not tied to members’ accounts, free travel benefits, and with no fraud risk to your credit union, this is the perfect addition to your prepaid card offering. Contact email@example.com for more information. – posted April 1, 2019
New Sprint Offer Pays Off Big for Members and CUs –Credit unions are collecting lucrative rebates and gaining deposits while their members are getting cash back of $100/line added plus $100/line as an annual loyalty cash reward. For 2019, credit unions now receive $25 per line added to Sprint (up from $23 last year), plus the bonus of the funds being deposited into the member’s credit union account. Contact Lisa at Lslaymaker@mwcua.com to learn more about adding this exciting program to your suite of member benefits. -posted March 18, 2019
TruStage® Recognizes 20 Credit Unions – Our own Ent Credit Union was one of 20 credit unions recognized by CUNA Mutual Group as having the most TruStage® policy holders, which in turn helped CMG reach the milestone of protecting 20 million consumers with TruStage® products. CMG donated $20,000 on behalf of these credit unions to local schools. Congratulations to Ent and to all the credit unions who support building their members’ financial security using TruStage®. Read the full article here. -posted February 20, 2019
Delivering Long-Term Value Through Digital Lending – Most credit unions recognize the importance of digital; it’s the long-term value that causes angst. Developing and implementing a digital lending experience will be vital to remaining relevant and competitive as technology evolves. It begins with three core components: your member experience, your data and your digital technology. Read more here. -posted January 15, 2019
Get the CUMONEY® Everyday Spend Card for Tax Season – With tax season coming up, you may advise members to put some of that “extra” money away toward long-term financial goals, but they may choose to enjoy some of it as well. You can help them save or spend that tax refund responsibly while staying within a budget by loading all or a portion of the funds onto an LSC CUMONEY® Everyday Spend card. Your members can keep track of the balance and what they’ve spent with the free CUMONEY® mobile app. It’s a simple, responsible way for members to enjoy that refund. For information, please call 800-942-7124 or email firstname.lastname@example.org. -posted December 18, 2018
Lifetime Value of a Student Lending Relationship – The business opportunity for credit unions extends beyond the student loan itself—the longer-term relationship building opportunities are substantial. Download the Lifetime Value of a Student Lending Relationship report today and gain valuable insights on the market opportunity for student lending as well as the appetite for cross-selling to these prime borrowers. -posted December 3, 2018
Does Your Credit Union Have a Long Term Data Strategy? History is filled with examples of failures to look beyond the short-term and understand the risks and rewards in the future. When we think about credit unions today, tomorrow’s solution may also not be enough. AdvantEdge Analytics’ Jason Veenker explains here -posted November 29, 2018
Does Your Overdraft Program Leave You Open to a Lawsuit? What’s the difference between a fully disclosed overdraft program that is clearly and responsibly presented to account holders … and one that is used solely to earn revenue, at all costs? In the case of TCF Financial Corp., it’s $30 million dollars and a major blow to its reputation. JMFA’s Cheryl Lawson explains here. -posted September 6, 2018