Survey : Questions

Welcome to BSG Financial's Overdraft Review--the first step to getting more from your overdraft management program.

The following questions should be simple to answer, yet could reap significant rewards for your institution. Your answers will help us identify areas of opportunity as well as suggest tactical program modifications, if applicable.

If you need clarification while answering any of the questions below, please send an email to Hank Thompson, executive vice president, at HThompson@bsgfinancial.com, or call him at (502) 581-1511, x 230.

Thank you for your participation in this performance-enhancing program. We value your input and look forward to contacting you soon with our results.

Through what channels, other than checks, does your institution make the overdraft program available?

ATM

Debit Card

Electronic ACH

Online Banking

Other

What discretionary overdraft limits do you currently offer to participating consumer account holders?

$500

$250

Multiple limits (please explain in the comment box below)

Other

Comment:
500 characters left.

3.	What is the total # of consumer DDA accounts?
	50 characters left.

4.	How many consumer DDA accounts qualify to participate in the discretionary overdraft program?
	50 characters left.

5.	How often does your institution re-inform account holders they are in the program? By what methods do you re-inform them?
	1000 characters left.

6.	When was the most recent NSF fee increase? To what amount?
	50 characters left.

7.	What are the highest and lowest NSF fees charged by competitors in your market?
	50 characters left.

8.	What is your negative balance fee, if any, for consumer accounts? How often is it charged?
	50 characters left.

Do you offer the overdraft program to business accounts?

Yes

No

What discretionary overdraft limits do you currently offer to participating business account holders?

$500

$250

Multiple limits (please explain in the comment box below)

Other

Comment:
500 characters left.

11.	What is the total # of business DDA accounts?
	50 characters left.

12.	How many business DDA accounts qualify to participate in the discretionary overdraft program?
	50 characters left.

13.	In an average week, how many returned deposit items does your institution handle?
	50 characters left.

Does your institution currently offer a debit rewards program?

Yes

No

15.	What is the average number (per month) of debit declines due to NSF or Uncollected Funds?
	50 characters left.

16.	What is the average transaction amount for debit declines?
	50 characters left.

17.	What is the total number of NSF/OD items from all DDAs in the past 12 months?
	50 characters left.

18.	What is the total net NSF/OD fee income from all DDAs in the past 12 months (net of waives, refunds and charge-offs)?
	50 characters left.

19.	What is the total value of overdraft fee waives and refunds from all DDAs in the past 12 months?
	50 characters left.

20.	What is the total value of overdraft program charge-offs from all DDAs in the past 12 months?
	50 characters left.

Please enter the information indicated below. This will allow us to contact you once we have reviewed your answers.

First Name:
Last Name:
Company Name:
Work Phone:
Email Address:	emailaddress@xyz.com
City:
State/Province (US/Canada):
Postal Code: