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• The headline says "Think BIG," but how is this different than other Bancvue-style Rewards Checking products that have been around for 3-4 years now?

  Jeffry Pilcher

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• Case studies on the concept and performance of an individual product at a credit union are always helpful. It is tough to get this information -- and the results -- at a conference.
  
  We have 35,000 debit cards with about 40% in the power user segment (above 12 transactions per month). The debit card requirement makes sense. These members are typically active in other areas of the credit union as well. Plus, they tend to drive fee income. While not really a new idea in CU checking accounts, it was helpful to read the example and results. Thanks for the case study…
  
  

  Ray Springsteen

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• "Does anyone have an idea of what the national average is for checking account penetration with existing members?"
  
  Great question. The industry average for credit unions is 46.35% In Credit Union Strategy & Performance (CUSP), we publish this information - and more - in our Peer Group Performance Comparison tables. For 3Q 2009, you'll find account penetration information on page 29 or access it online at http://www.creditunions.com/events/downloads/3QCUSPPeerGroup.pdf
  
  We print CUSP each quarter. In CUSP online you'll also find this quarterly data for every credit union, 10 peer groups, and by state average. Hope this answers your question.

  Rebecca Wessler

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• I'm a huge advocate of relationship pricing. We need to give them a reason to bring other banking relationships over.
  
  Does anyone have an idea of what the national average is for checking account penetration with existing members? I can;t find it anywhere.

  Anonymous

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