Overdraft protection and overdraft programs are not a new concept. However, there seems to be a lot of talk about overdraft these days. With the various types of overdraft programs being offered, Banks, Associations, Publications, and even the Regulators are all talking about overdraft programs. Banks want to increase their fee income and raise their ROA's. Associations are trying to evaluate the best products and vendors to partner. Regulators are working on developing a compliance structure to manage these programs. All of this activity is giving the publications a lot to write about.

At Banc Commerce Group, we feel that the best way to develop a program is to work within the guidelines and regulations instead of trying to work around them. Unlike many Overdraft Solutions out there, the program we bring you is compliance driven. We work closely with both state and federal regulators to ensure we sustain compliance. We monitor the changes in regulations and update our bank customers of any changes and assist them with any necessary implementations.

Our Overdraft Solution has helped banks across the country increase their fee income, while providing their customers with a viable service that attracts and holds new and profitable core deposits.

We are so confident in our services that we provide our bank customers a program with a written performance guarantee. The guarantee provides that our bank customers will increase their NET NSF fee income by 50% or they will be refunded ALL of their licensing fees. We have excellent references and would be happy to meet with your bank and explain our program in detail. You have nothing to lose, and everything to gain!

Our Customers…

• Average over 100% increase in NET NSF income after the 1st year!
• Increase in ROA is usually .15% to .30%.
• Increase their customer retention and loyalty
• Have an average charge-off rate is 1-3%

Our Program provides you with….

• A performance guarantee that we will increase your NET NSF fees by 50%.

• A compliance guarantee. To be in compliance with all published federal regulations at the time of program installation and we will notify you of changes and assist with any necessary implementations.

• Charge-off rate should not exceed 5% - typically it’s about half that amount.

• A completely customized marketing campaign designed specifically for your bank with your bank’s brand that will include:

• TV and Radio commercials
  
  
• Creative development for high quality decorative signage (no hanging, plastic banners, or cheap signage in your lobby)
  
  
• Complete print campaign