Overdraft Protection:
Bank Insight

AFTECH and Bank Insight offer a way to rationalize the administration of both paper and electronic NSFs and overdrafts. Using Bank Insight's customized scoring modules with AFTECH's software, credit unions can improve service and revenue by paying more items into overdraft, and returning fewer NSFs. This improves member relations and converts NSF costs into overdraft revenue.

Bank Insight provides credit union customized scoring to improve payover rates and control losses. AFTECH provides an automated dynamic behavioral limits processing system for all NSF/OD decisions and to calculate the balance used for approval of electronic transactions.

• Eliminates bias between paper and electronic items.
• Encourages member retention by reducing returned items.
• Improves revenue by increasing number of items that go into overdraft.
• Reduces expense of back office processing of return items.