Here you’ll find the latest industry insights on timely banking/credit union topics, product and informational videos, and original content drafted by Velocity’s subject matter experts.

White Papers

Our white papers are drafted by Velocity’s subject matter experts and feature in-depth research, trends and informed views on a variety of timely banking topics.

White Paper:

Is Your Overdraft Program a Black Box?

Do you really understand how your overdraft management program calculates overdraft limits? Can you explain the specific factors, trends and overrides that determine the overdraft limit?

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White Paper:

Digital Lending’s Top 3 Features

There are countless benefits to implementing a digital lending platform for community financial institutions that can lead to bottom-line savings and increased income.

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White Paper:

Break Down Your Data Silos to Build Up Your Revenue

Banks and credit unions that are seeking to become more efficient, productive and agile need to centralize their data in order to build up their revenue!

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White Paper:

Is Your Overdraft Program UNMANAGED?

Is your financial institution offering only static, one-size-fits-all overdraft limits? Giving every account holder the same overdraft limit means you’re working with an UNMANAGED program and limiting your ability to manage charge offs and address risk.

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White Paper:

Digital Lending Increases Efficiency & Profitability

Learn how banks and credit unions can deliver commercial & retail loans quickly, conveniently and profitably.

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White Paper:

The Dramatic Evolution of Automated Overdraft Systems

In this white paper, learn how managed overdraft limits and custom communications combine to provide better service while addressing compliance directives.

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Articles

Browse Velocity-produced articles and review company press releases.

Article:

This Isn’t Your Dad’s Economy: Americans are Struggling and Community Financial Institutions Can Help

This isn’t your dad’s economy. Many of today’s consumers are struggling with a lack of cash and retirement savings. Consumers and the government agencies are counting on community banks and credit unions!

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Article:

The Need is Real for Affordable Short-Term, Small-Dollar Loans

Many consumers would prefer to obtain responsible, affordable short-term loans to manage liquidity needs. Community FIs can provide these loans through automated processes and partnering with a fintech provider.

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Article:

The Evolution of Overdraft – It’s not the Wild West Anymore!

Velocity EVP Steve Swanston discusses the evolution of overdraft services, from the early days of the “wild west” to the more recent management of overdraft as a valuable service and compliant line of business.

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Article:

The CFPB’s Payday Lending Rule is a Grand Slam for Banks and Credit Unions

The CFPB issued its final payday lending rule in October 2017. As written, it promises to offer community banks and credit unions significant benefits for providing small-dollar loans to their consumers.

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Article:

10 Considerations When Realigning Your Bank’s or Credit Union’s Overdraft Program

Is your financial institution considering a new overdraft program? Tim Barrett, Velocity DDA Strategist, outlines ten critical factors that should affect your decision.

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Article:

So, You Think You’re Finished with Reg. E Outreach? You’re Not!

A proactive, compliant Reg. E outreach effort needs to be ongoing at your bank or credit union to maximize account holder service and prevent the loss of business and overdraft fee income.

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Article:

Overcome the Challenges of Becoming a Data-Savvy Financial Institution

Velocity CEO Christopher Leonard talks to CUInsight about the challenges faced by community financial institutions in using their data in meaningful, actionable ways.

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Article:

Monitor These Data Points for Improved Bank and Credit Union Growth & Service

In order for community financial institutions to grow, they need to consistently monitor and measure critical account data points and modify their procedures accordingly.

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Article:

Avoid the “Checking Account of the Month Club” Headaches

You’re wasting valuable time if you present new account holders with a “menu” of checking account options. Keep it simple and save that time building a relationship with your new account holder!

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Article:

It’s ‘Game On’ in the Battle for Bank & CU Deposits

Community financial institution management teams must develop strong deposit strategies that ensure future growth and institutional stability.

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Article:

Fintech & Financial Institutions: Friends, Not Foes

Consumers are increasingly demanding new technology, and community financial institutions have to keep pace! To do so, they must collaborate with fintechs and work together to create a synergy that neither entity can achieve alone.

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Article:

Don’t be THAT bank or credit union. Offer short-term loans to your account holders.

American consumers need cash, and the big financial institutions they once relied on have lost—and keep losing—their trust. It’s time for community financial institutions to step up!

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Article:

Does Your Overdraft Management Program Offer These 5 Critical Features?

Does your overdraft solution meet the needs of your account holders, your regulators, your staff and your board of directors? Make sure it offers these 5 critical features!

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Article:

Do You Own the Transactional Relationship with Your Account Holders?

In your goal to become your account holders’ primary financial institution, are you doing everything you can to secure their loyalty?

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Article:

Does Your Bank or Credit Union Have Digital Lending FOMO? It should!

Does your bank or credit union have the “Fear of Missing Out” on digital lending? You should! Here are the top reasons why you’re missing out!

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Article:

Maximizing Digital Security: 5 Things Banks & Credit Unions Need to Do Now

In our digital world, the opportunities for cybercriminals to access confidential information, steal identities and misappropriate funds increases exponentially. Here are the top 5 measures you should take.

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Article:

A Data-Driven Overdraft Program Boosts Purchasing Power for Consumers, Businesses

Industry articles, lawmakers and even financial institutions may not realize the positive economic impact that overdraft programs provide—not only to consumers, but to the economy at large.

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Article:

How do you create a competitive product lineup? Three is a magic number.

If your bank or credit union is evaluating your deposit products and whether they’ve evolved with industry changes, learn why we recommend the power of three.

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Article:

Talking to Customers & Members About Reg. E Doesn’t Have to be Painful!

Are your employees presenting Reg. E options to your account holders in a way that is clear, consistent, compliant and objective?

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Article:

Why Community Financial Institutions Need to Offer Dynamic Overdraft Limits

American consumers differ dramatically in their income levels, deposit behavior, transactional activity and ability to repay. So why would you offer the same limit to all your account holders?

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Article:

Gaining Ground – How Community Financial Institutions Can Win the Battle for Deposits and Grow Revenue

The war for deposits is fiercer than ever, but community financial institutions can win the battle for deposit share from their larger rivals.

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Article:

Checking Account Growth – It’s Go Time!

Each new customer or member who enters your branch is a great opportunity. This visit may be the most time you ever spend with them, so make it count!

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Article:

Capitalize on Overdrafts with a Consumer-Focused, Data-Driven Solution

Financial institutions that manage overdraft with outdated programs cannot capitalize on the opportunity to improve service and compliance.

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Article:

Are Customer & Member Sales Programs Dead?

It’s always a good time to teach your front line staff how to sell strategically and with a renewed customer/member focus.

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Article:

5 Reasons Why You’re Not Offering Short-Term Loans. And Why You Should Reconsider.

We’ve compiled the top 5 reasons why community financial institutions are not offering short-term loans, and why they should reconsider!

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Article:

Unlock the Value of Your Financial Institution’s Data

The proliferation of customer/member data and the ability to use it open up countless new service and revenue opportunities. But does your institution know how to put that data to work to boost service and performance levels?

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Videos

View videos that focus on Velocity’s suite of solutions, client testimonials, and brief product demos.

Video:

Intelligent Limit System – Velocity Client Testimonials

Hear what Velocity clients have to say about the Intelligent Limit System.

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Video:

Account Revenue Solution – Velocity Client Testimonials

Hear what Velocity clients have to say about the Account Revenue Solution.

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Video:

Invitation Checking System – Velocity Client Testimonials

Hear what Velocity clients have to say about the Invitation Checking System.

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Video:

Learn About Our Reg. E Outreach Program

Learn how Velocity’s unique Regulation E Outreach program works.

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Video:

Intro to CashPlease, Small-Dollar Loan Platform

Learn more about CashPlease, our digital small-dollar, short-term consumer loan platform.

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Video:

Intro to Akouba’s Digital Lending Platform

Learn more about Akouba’s digital lending technology for commercial and retail lending.

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Video:

Velocity Executive Summits – Attendee Testimonials

Hear what Velocity clients have to say about the Velocity Executive Summits Educational Seminars.

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Video:

My Rewards Premium Cards – Velocity Client Testimonials

Hear what Velocity clients have to say about the My Rewards Premium Card Program.

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