Today, we have hard data on how overdraft programs really work, rather than relying on asssumptions and myths. Sharing extensive research fromour 14 million accounts, set some time aside to learn, in-depth, just why these 3 questions, and your answers, are so vitally important to managing your overdraft process, significantly enhancing customer service, retention and NSF income.

1. Has your NSF income peaked, plateaued or declined in the last 12 months?
1. Do you measure and track overdraft revenue by:
   1. Total income
   2. Net income
   3. Income per account
   4. Income per overdraft user
      
      
2. Do you give the same overdraft limits to like accounts?
   i.e. the same limit for all personal accounts or the same limit for a specific personal account type.
   
   
3. Do you know the characteristics or transactional patterns of your customers who are users of overdraft services?

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