Deposits & Payments


By Fiserv | Dec. 14, 2020

Be an Expert! With the right analytics tools, you can lead the growth of your debit and credit card business.

By PSCU | Oct. 5, 2020

Contactless and card-not-present payments soar as pandemic continues. Credit unions need to provide those options.

By PSCU | April 6, 2020

Credit and debit offerings need to appeal to each group where they live, and that’s increasingly digital.


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By Marc Rapport | April 6, 2020

Plastic with contactless chips were being rolled out slowly. Will it become an avalanche?

By Marc Rapport | April 6, 2020

How five cooperatives ward off disruptors, an imperative that takes on new urgency now.

By Samantha Cristobal | Nov. 26, 2019

Member engagement is on the rise as credit unions build on post-recession membership surge.

By Erik Payne | Sept. 11, 2019

Ventura County Credit Union re-issued thousands of cards within a handful of weeks. Its vice president of delivery services offers insight from the other side.

By Rebecca Wessler | Sept. 9, 2019

Five can't-miss data points this week on

By Marc Rapport | April 30, 2019

Coastal Federal Credit Union’s Go Green checking account pays dividends based on debit activity … and that’s it.

By Marc Rapport | April 29, 2019

The next big thing in wave-and-pay is here, and credit union adoption is surging as major issuers deploy the NFC plastic.

By PSCU | April 1, 2019

One-second transactions, growing adoption, and keeping up with the competition are why credit unions need to get ready to go contactless.

By Marc Rapport | April 1, 2019

The Fed says it wants to gather more comment regarding same-day ACH payments, tapping the brakes on a process that began in 2016. But credit unions have other real-time options.

By Marc Rapport | Nov. 19, 2018

Consumer education and technology tools are the best defense against offensive fraudsters.

By Marc Rapport | Nov. 12, 2018

The Save My Change program at Community First of Florida helps members build savings and the credit union build interchange income.

By Marc Rapport | Oct. 1, 2018

The North Carolina credit union is halfway through moving away from the time-consuming process of manual ledger reconciliation.

By PSCU | Oct. 1, 2018

Listening, communication, and adaptability can again power success on a new payment rail.

By Marc Rapport | Sept. 10, 2018

Early adoption and member convenience drive strategy at this Spokane cooperative.

By Elan Financial Services | Aug. 6, 2018

Millennials are drawn to credit card issuers that offer technology, maximum rewards, low fees, and social responsibility. How can credit unions position themselves to meet the needs of millennial members?

By Marc Rapport | April 16, 2018

How converting to a new card processing platform turned out terrific results at a California credit union.

By Erik Payne | March 12, 2018

Texas Trust’s Spirit Debit Rewards program has contributed $1.5 million to local schools in seven years.

By Harland Clarke | Jan. 22, 2018

On-the-spot gratification leads to increased activation and use and the opportunity to deepen engagement.

By Erik Payne | Jan. 10, 2018

It’s all fun-and-games until the credit card bill comes due.

By Erik Payne | Jan. 8, 2018

Technology Credit Union’s stand-alone card-control app offers members customizable security.

By Erik Payne | Sept. 18, 2017

MSUFCU looks inward to identify sticky products and save members millions.

By Erik Payne | Sept. 11, 2017

Callahan’s millennials weigh in on Debitize, a service that promises to make a credit card act like a debit card.

By Worldpay Inc. | Sept. 11, 2017

Experts with the new skill sets are the necessary partners to succeed in today’s competitive environment, delivering knowledge and service.

By Marc Rapport | Sept. 11, 2017

Credit unions can now offer speedier payments, but even those that don’t offer same-day settlements need to take note.

By Marc Rapport | Sept. 11, 2017

Credit unions are seeing a generational shift in how money flows in and out of the institution, but it’s a process more than a pitfall.

By Erik Payne | Sept. 11, 2017

Branch design. Added security. Multiple touch points. Financial Horizons and Lake Trust share tricks to navigate on-demand card programs.

By Marc Rapport | Sept. 4, 2017

American 1 Credit Union provides a template for raising awareness and working with others to protect members and its own coffers.

By Marc Rapport | Aug. 28, 2017

Interest on loans drive the income train, but other revenue streams are steaming along.

By Marc Rapport | Aug. 14, 2017

Family Savings staff — with help from law enforcement and cooperative retailers — brought a fraud case to a quick resolution.

By Marc Rapport | April 5, 2017

How to inject the credit union message into a seamless payments process, and how the merchant response to the EMV liability shift might be emerging were two hot topics at CSCU’s annual conference.

By PSCU | April 3, 2017

Adopting risk strategies to the changing threats now includes facing down card reward fraud and more.

By Jon Jeffreys | March 2, 2017

This is not an indictment of large credit unions. Instead, I hope it’s a reminder to all of us of why we're here.

By Callahan & Associates | Sept. 28, 2016

A monthly collection of Callahan content that, together, addresses a single topic from a variety of perspectives.

By Card Services for Credit Unions | Sept. 12, 2016

A new multi-channel alert system provides immediate paybacks for CSCU credit card clients.

By Erik Payne | Sept. 12, 2016

Listerhill Credit Union is among the financial institutions questioning the protective benefits of EMV and asking “what’s the rush?” to shift.

By Marc Rapport | Sept. 12, 2016

The Iowa credit union used card chip deployment to realign vendor relationships across its payments processes.

By Michelle Parker | Sept. 12, 2016

In July 2016, Callahan & Associates surveyed 170 credit union executives from 40 states to gain insight into their current and emerging sources of non-interest income.

By Marc Rapport | June 9, 2016

PSCU reports “a couple hundred thousand dollars” in saved chargebacks already as the big card brands prepare solutions to perceptions of chip card speed trap.

By Marc Rapport | April 18, 2016

A debit payback program at Warren FCU builds member interest and non-interest income.

By Marc Rapport | March 17, 2016

Six months after the liability shift for non-chip cards, the dust is far from settled over EMV implementation, availability, and effectiveness.

By Elan Financial Services | March 7, 2016

Learning culture, adaptive underwriting, minimizing disruptions are all part of a successful, profitable card operation.

By Marc Rapport | Oct. 26, 2015

First Tech goes first in facial authentication pilot with MasterCard.

By PSCU | Oct. 5, 2015

How the right data analytics can empower credit unions to target members with offers that offer timeliness and real value.

By Elan Financial Services | Oct. 5, 2015

A key to success with a credit card program is a strong cardmember lifecycle marketing strategy.

By Marc Rapport | Oct. 1, 2015

Credit union card processors say conversion process is well underway, and don’t call it a deadline.

By Marc Rapport | Sept. 14, 2015

The first phase of NACHA’s plan to open new daily payment windows is now a year out and approaching fast.

By SWBC | Sept. 14, 2015

In a day and age when cyber security is of utmost concern, how can expanding your payment acceptance capabilities protect both you and your borrowers?

By Fiserv | Sept. 14, 2015

Comprehensive, dynamic practices and processes bring card holder and issuer together to combat growing fraud threat.

By Aaron Pugh | Aug. 17, 2015

Open ears, open doors, and a blank slate for new product design all helped Listerhill tailor its appeal to a young adult market.

By Aaron Pugh | July 1, 2015

Greater Nevada shares seven changes it has made over the past decade that have helped it succeed, no matter how the dice roll.

By Marc Rapport | May 28, 2015

After big fine on big bank, bureau’s blanket probe of credit union core processor NSF settings raises eyebrows and call for self-examination.

By Alix Patterson | April 8, 2015

The Massachusetts credit union turns its debit card 90 degrees to improve functionality and impress the user.

By Marc Rapport | March 30, 2015

Credit Union of America’s mobile app rollout in September 2013 made it one of the first financial institutions in the country to offer a digital safety switch.

By Marc Rapport | March 16, 2015

A Texas credit union uses its prepaid debit card to provide lower-income members with access to affordable, multi-channel service.

By Marc Rapport | March 16, 2015

How Preferred Credit Union used a one-two punch of high-tech segmenting and low-tech mailing to double its debit ROI.

By Rebecca Wessler | March 16, 2015

Explore the many ways to run a successful card program. Credit, debit, prepaids, rewards, segmentation, industry data, and more — this week on

By Aaron Pugh | Feb. 2, 2015

Merchant discounts helped this Oregon credit union turn its cards into a must-have shopping accessory for state consumers.

By Marc Rapport | Dec. 29, 2014

The Apple launch and — some say — subsequent holiday fizzle helps make mobile a dominating subject in payments talk this year.

By Marc Rapport | Dec. 24, 2014

Leading vendor execs in the credit union space say economic growth and growing competition will make for an interesting next year.

By Marc Rapport | Dec. 4, 2014

Credit unions need not fear EMV "liability shift day" but it's time to start thinking about when to leave magnetic stripes behind.

By Marc Rapport | Nov. 10, 2014

The California credit union uses a range of products to help members avoid payday lenders and build their credit.

By Marc Rapport | Nov. 4, 2014

Apple Pay has completely changed the conversation around mobile payments, and credit unions better keep an eye on … PayPal. Oh, and Android users still outnumber iPhone devotees.

By Marc Rapport | Nov. 3, 2014

Mobile banking, the regulatory burden, terror financing and even the interchange cap were fair game on opening day at Money 20/20.

By Drew Grossman | Feb. 27, 2014

The team descended on CUNA's GAC this week, taking notes at lectures and breakout sessions for those of you who couldn't attend. Here are a few highlights from five days in credit union wonderland.

By Darrick Weeks | Feb. 7, 2014

How Wright-Patt Credit Union reorganized in the face of a changing payments landscape.

By Aaron Pugh | Feb. 3, 2014

Young members are shying away from credit cards. Here’s why winning them back requires looking beyond the product itself.

Follow these rules to transform card-related challenges into institutional opportunities.

Partner Perspective
The Changing Debit Market

By | July 8, 2013

How post-Durbin developments are impacting credit union strategies.

Credit unions can fuel growth by leveraging these key fundamentals.

By PSCU | July 1, 2013

Credit unions have an opportunity to plant new payment strategy seeds and watch them grow.

By Aaron Pugh | March 13, 2013

Here’s a quick recap of some of the ideas and insights that came up during the second day of the 2013 BAI Payments Connect conference.

By Aaron Pugh | March 12, 2013

Here’s a quick recap of some of the ideas and insights that came up during the first day of the 2013 BAI Payments Connect conference.

By Aaron Pugh | Dec. 17, 2012

Follow the lead of cooperative peers to add value, grow membership, and boost interchange earnings.

Partner Perspective
Prioritize Debit Optimization

By Member Access Processing | Oct. 15, 2012

Living in a post-Durbin world requires reducing costs and generating new revenue.

By PSCU | Oct. 15, 2012

Optimize traditional payment revenues now, while preparing to embrace new strategies and technology tomorrow.

By Mark Reed | Sept. 10, 2012

Non-interest income, including interchange income from payment sources, has increased in importance at credit unions nationwide.

By Bailey Reutzel | Sept. 10, 2012

Instant issuance card programs are increasing physical card activation, usage, and member satisfaction.

By Bailey Reutzel | Aug. 20, 2012

New payment technology embraces globalization to make transactions safe.

By Callahan & Associates | Aug. 6, 2012

The financial industry is moving toward compliance with card-based chip and pin technology.

By Aaron Pugh | July 2, 2012

Where are credit unions in the payments space today and where should the industry invest in the years ahead?

By Rebecca Wessler | June 20, 2012

BECU spotlights University of Washington alumni and wins an Emmy in the process.

By Aaron Pugh | May 21, 2012

Electronic wallets need to be as portable and easy-to-use as physical wallets, says CoVantage CIO Robert Van Abel.

By Rebecca McClay | May 3, 2012

Credit unions fearing the Durbin Amendment would hurt interchange revenue can rest assured – the law has had little impact so far, according to a Federal Reserve study.

Partner Perspective
Curtail Payments Fraud In 2012

By Alogent | April 16, 2012

Are you doing enough to protect your credit union and members?

Partner Perspective
Find Balance In Fraud Management

By Worldpay Inc. | March 19, 2012

Efficient and cost-effective approaches can help shield credit unions from evolving fraud trends.

By Alix Patterson | Jan. 12, 2012

It seems no matter where payments technology goes, getting consumers to adopt it comes down to personal preference, habits. I prefer credit. My (younger) colleagues don't.

By Rebecca Wessler | Jan. 11, 2012

Financial expert and TV personality Suze Orman throws her hat into the prepaid debit ring.

By Rebecca Wessler | Jan. 1, 2012

Randolph-Brooks gives its members 15 reasons to make the credit union their primary financial institution this holiday season.

By Rebecca Wessler | Jan. 1, 2012

SAFE Credit Union encourages members to do the sensible thing and save.

By Rebecca McClay | Nov. 23, 2011

Indiana Members Credit Union's CEO is ensuring employees are well versed in the new interchange rules.

By Aaron Pugh | Nov. 14, 2011

Three technology trends could breathe new life into traditional plastic-based payments.

By Carissa Heckathorn | Oct. 4, 2011

As the media focuses on banks' reaction to newly capped debit swipe fees, credit unions can take the opportunity to promote their member-friendly services.

By Rebecca Wessler | Aug. 22, 2011

A Minnesota credit union goes against the grain in offering free checking and rewards points.

Partner Perspective
Debit After Durbin

By | July 25, 2011

The Federal Reserve’s new debit interchange rules are the latest in a series of events that have buffeted the financial services industry during last three years.

By Rebecca Wessler | July 5, 2011

Durbin has been decided. Now how will credit unions respond?

By Rebecca McClay | July 4, 2011

Credit unions will have to “get innovative” now that a new regulation on debit swipe fees is finalized, one credit union executive says.

By Aaron Pugh | July 1, 2011

It takes all three to effectively market to members and build lasting brand value.

By Brooke C. Stoddard | July 1, 2011

The impending reprice of interchange fees has some credit unions anxious; others are seeing opportunity.

By Callahan & Associates | July 1, 2011

The prepaid card market is one of the fastest growing segments in the payments industry.

By Rebecca McClay | June 20, 2011

Credit unions can find a “tremendous pricing opportunity” under the proposed Durbin Amendment, says one industry expert.

By Rebecca McClay | June 20, 2011

Credit unions can find a “tremendous pricing opportunity” under the proposed Durbin Amendment, says one industry expert.

By Chip Filson | May 2, 2011

The information contained in the analysis is so misleading it casts doubt on NCUA’s ability to understand the issue and its impact on credit unions.

By Callahan & Associates | April 1, 2011

Free checking is definite perk of banking with a credit union, but prospects won't change without convenience.

By Thomas Cullen | March 29, 2011

Rewards, home prices and NFC? They all mean something for credit unions during the week of March 28.

By Rebecca Wessler | Jan. 20, 2011

Prepaid debit cards are an easy target, but they are making a splash on the financial scene.

By Rebecca Wessler | Jan. 11, 2011

Hair and make-up: $12,000. Car service: $1,900. Bottle service: $6,360. Breach of contract: Priceless … or $75 million.

By Callahan & Associates | Jan. 1, 2011

Credit unions that accept debit and credit payments on loan balances capitalize on purchasing trends and maximize call center value.

By CO-OP Financial Services | Nov. 22, 2010

Signal Financial Federal Credit Union reached out to the right members and increased its signature debit transactions by 80%.

By | Sept. 27, 2010

Millennial borrowers increasingly use cards to make purchases and payments, so evaluate solutions that capitalize on that trend without increasing your risk and regulatory burden.

By Alix Patterson | Aug. 18, 2010

It seems no matter where payments technology goes, getting consumers to adopt it comes down to personal preference, habits. I prefer credit. My (younger) colleagues don't.

By Callahan & Associates | July 23, 2010

Segmenting your customer base can help you better understand current performance as well as future potential.

By Rebecca Wessler | July 1, 2010

Families in Ohio fight to the fiscal finish line.

By Callahan & Associates | July 1, 2010

A practical approach to increasing checking account and debit card profitability in a rebounding economy.

By Aaron Pugh | July 1, 2010

Why are more credit unions choosing instant issuance cards? In an economic environment where security, long-term cost savings, and high service usage are crucial to a credit union's success, the benefits are numerous.

By Alix Patterson | July 1, 2010

Online merchants promote alternative payment options to reduce interchange expense, risk exposure, and compliance hassles. What impact do alternative payments have on your financial institution?

By Denise Senecal | June 24, 2010

Financial institutions are using a variety of online strategies to increase overdraft opt-in.

By MasterCard Worldwide | June 14, 2010

The ability to make electronic payments creates an efficient exchange of goods and services, which will help the recovery of global economies this year and beyond.

By Rebecca Wessler | June 4, 2010

Callahan is gearing up to bring you in-depth insight into the industry’s biggest advancements.

By Lydia Cole | May 21, 2010

The passage of the financial reform bill will have a lasting effect on credit unions.

By Callahan & Associates | May 14, 2010

Callahan’s Internet Strategy Consortium, a shared cost research group for credit unions, has announced plans to investigate member preferences for debit and credit in their next online member survey, scheduled to launch in May 2010.

By Lydia Cole | April 22, 2010

While firms may estimate large consumer and business savings with interchange regulation, credit union members may see the value of their membership decline with lost institutional income.

By Sam Brownell | April 5, 2010

Callahan’s year end non-interest income survey provides a snap shot of the industry before Reg E changes take effect.

By Lydia Cole | March 15, 2010

A $35 cup of coffee is still possible if you pay with a check.

By Alix Patterson | March 4, 2010

Wired magazine covers the history of today's payment networks while looking ahead to a future that changes the way people pay one another. Tweet me the money?

By Sam Brownell | Jan. 11, 2010

The story behind my decision to move my money from PNC to Lafayette Credit Union and what I believe credit unions can learn from it.

By CU*Answers | Oct. 19, 2009

For all the hoopla in the press, the legislative grandstanding for consumer groups, and the finger pointing at financial institutions about the abuses of overdraft processing services, it still comes down to one simple idea.

By Lydia Cole | Oct. 1, 2009

Beyond standard debit and credit rewards, Envision Credit Union has seen success by allowing members to aggregate rewards points throughout their household.

By Callahan & Associates | Oct. 1, 2009

Consumers to continue to change the ways in which they pay for purchases with decreasing cash and increasing card payment.

By Callahan & Associates | Oct. 1, 2009

No longer just a tool for accessing cash at an ATM, the debit card, especially for younger members, is one of the most frequently used connections a member has with their credit union.

By Callahan & Associates | Oct. 1, 2009

With member and market demand for debit and crdit cards increasing, credit unions need to understand the dynamics of their card portfolios to predict members' future needs. These trends, combined with added pressure on the bottom line, make interchange income a crucial component of credit union revenue.

By Lydia Cole | Sept. 21, 2009

I have a confession to make…my primary financial institution isn’t a credit union. It’s PNC.

By Nick Connors | Aug. 3, 2009

Credit unions are always looking for ways to better serve their members.

By Nick Connors | Aug. 3, 2009

The era of the check may be coming to an end.

By Lydia Cole | July 20, 2009

Envision Credit Union introduced a unique card reward program to demonstrate the tangible benefits of belonging to the credit union.

By Alix Patterson | July 1, 2009

The 2007 Electronic Payments Study takes a look at the emerging payments technology affecting the financial services industry and what lessons credit unions can learn from the big players.

By Denise Senecal | June 1, 2009

As industry players await a GAO study on interchange fees commissioned via the recently passed Credit Cardholders' Bill of Rights (HR 627), credit unions are carefully watching to see what aspects of proposed legislation are likely to be enacted in the 111th Congress.

By Callahan & Associates | Jan. 1, 2009

The era of the check may be coming to an end.

By Nick Connors | Dec. 29, 2008

As decoupled debit cards become more popular, your members will likely have questions. What do you need to know to respond to their questions?

Partner Perspective
Engaging Gen Y Through Cards

The Millennials (Gen Y) are here – all 83 million of them – and they have the purchasing power and influence to change the world. Will your credit union have what it takes to acquire them?

By Dane Coalson | Nov. 3, 2008

While credit unions experienced much lending and deposit success over the past year, the rate of membership growth remains historically low. Perhaps a renewed interest in SEG development is just what the doctor ordered.

By Nick Connors | Nov. 3, 2008

By Nick Connors | Oct. 27, 2008

As check volume drops off, what method of payment are consumers now using to make their payments?

By Nick Connors | Oct. 13, 2008

The last week has been a tough one for the stock market. As the Dow continues to fall, individuals are feeling the pressure as their portfolios shrink, and many will be forced to adjust their spending habits.

By Callahan & Associates | Oct. 1, 2008

According to the Federal Reserve's 2007 Payments Study, many previous trends are shifting.

By Callahan & Associates | Oct. 1, 2008

Debit card usage continues to rise among consumers.

By Callahan & Associates | Oct. 1, 2008

The graphs in this section come courtesy of Card Services for Credit Unions. By using the CSCU portfolio as a proxy, we are able to infer trends that are having an impact on the credit union card portfolio as a whole.

By Card Services for Credit Unions | Sept. 29, 2008

A debit card program is one of the most important relationship products at the credit union. Debit card usage continues to rise and is the primary payment method for Gen Y. Plus, in active debit card programs, the average member uses the card 19 times per month! How can you make this important member touch point successful at your credit union?

By Primax Payments | Aug. 18, 2008

Now is not the time to cut back on your credit card program, but there are ways to maximize ROI and minimize risk.

Partner Perspective
Set Clear Goals for Debit Success

By PSCU | July 28, 2008

Whether you are trying to acquire new account holders or motivate your existing cardholder base to activate and use their debit cards, your credit union needs a clearly defined strategy.

By Nick Connors | July 28, 2008

Decoupled debit cards allow consumers to access accounts they hold at one financial institution through cards issued by a third-party financial institution. Members have long since had many options available when choosing a credit card, but the debit card has typically been a natural addition to a credit union checking account.

By | July 7, 2008

Credit union members receive over $1M in rebates through the efficient payment and purchasing Visa card solution.

By Mike Werstuik | Feb. 4, 2008

With banks pulling back from small business lending as a result of the credit crunch, credit unions have an opportunity to build relationships with their members in this area. What issues will arise along the way to offering business services and accounts?

By Mike Werstuik | Jan. 14, 2008

In an increasingly competitive environment, the account services that small businesses require are growing. Credit unions must ensure all of these needs are met in order to grow the relationship with the business.

By Mike Werstuik | Nov. 19, 2007

Decoupled debit cards, cards that can be linked to an account at any financial institution, are revolutionizing payment systems. HSBC has an added twist to this.

By Mike Werstuik | Oct. 8, 2007

With the stored-value card market growing at a remarkable pace, a significant opportunity exists for credit unions to provide services for members who may not otherwise use the credit union.

By Nick Connors | July 16, 2007

Capital One’s new debit card can link to accounts at any bank or credit union, bringing new competition to the debit card market.

Partner Perspective
Getting the Most from Debit

By PSCU | Feb. 5, 2007

Maximize your efficiency, service, and return with integration of signature and PIN.

By Appoorva Saxena | Feb. 5, 2007

How Oxford FCU is having success with its’ two-pronged strategy that is attracting younger members and driving up debit card usage.

By Paris Ward | Jan. 15, 2007

A quick Callahan & Associates office poll uncovers interesting trends regarding not just what people use in their wallet, but why.

By Appoorva Saxena | Jan. 1, 2007

Since 2000, debit card transaction volume has grown at a 21% rate compounded annually compared to 6% for credit card transactions. But what is more interesting for credit unions is the how and where of this change in use of debit cards.

By Strunk & Associates, L.P. | June 26, 2006

Rules and regulations governing overdraft payment programs are in the process of being finalized. Consumer demand has driven the growth of a number of financing sources such as credit cards, flexible mortgages, and overdraft payment services.

By Molly Francis | April 10, 2006

With credit union losses totaling $100 million dollars from credit and debit card fraud in 2005, securing member identity is definitely keeping credit union executives up at night.

By Strunk & Associates, L.P. | March 13, 2006

Federal regulators have set stringent guidelines for the selection of overdraft service providers. Learn how your CU can conduct due diligence to meet regulator expectations.

By Strunk & Associates, L.P. | Feb. 20, 2006

Many factors can decrease the efficacy of your overdraft payment program. Constant reevaluation ensures it stays responsive to changes within and outside the credit union.

By | Feb. 13, 2006

Competition is fierce. How are you staying ahead of the game? Your members hold the key to keeping you on top.

By Strunk & Associates, L.P. | Jan. 9, 2006

On July 1, 2006, new NCUA directives and regulations governing overdraft payment programs will commence. Does your credit union’s overdraft payment program meet all compliance standards?

By Andrew Creedon | Nov. 7, 2005

As cash and checks lose market share to debit cards, credit unions are presented with a significant opportunity to grow their non-interest income.

By Andrew Creedon | Oct. 24, 2005

As credit unions face slimmer margins, non-interest income growth continues at a double-digit pace.

By Tom Geggel | June 20, 2005

Many credit unions just issue a debit card to their members with a checking account. Learn how Patriot FCU, University FCU and Citibank structure their programs.

By Tom Geggel | June 6, 2005

Whatcom Educational CU has a unique strategy that teaches youth about debit cards.