October 2014

Why Checking Matters

Tuesday, October 7, 2014

Yes, checking has changed. But checks remain the prevailing form of payment.¹ In the minds of most consumers, the checking account defines their core banking relationship. When it comes to frequency of use and access, the checking account usually trumps savings or any type of loan.

That's why acquiring and keeping checking account holders is so important. Consider the following trends and how they might impact your institution.


July 2014

Lowering Costs, Reducing Errors With Forms Standardization

Monday, July 14, 2014

As financial institutions strive for greater efficiency and lower operational costs, forms standardization is a logical start point. It accommodates the desire for smaller orders, reduces inventory and warehousing, and cuts production and other costs.


June 2014

True Value of the Checking Account

Tuesday, June 17, 2014

For many consumers, the checking account is the core banking relationship. But about 45% of checking accounts are not profitable for financial institutions. Another 30% are only marginally profitable.¹ How can you turn around unprofitable accounts and acquire more attractive account holders?




The State of EMV: Countdown to 2015

Monday, June 16, 2014

Last year, Harland Clarke surveyed financial institutions to determine their preparedness for the October 2015 EMV (Europay®, Mastercard®, Visa®) liability shift. We recently completed a 2014 follow-up to understand the progress made since that time. The 2014 survey covered a varied sample of financial institutions, ranging in asset size and annual card volumes. 



Everything's Coming up Equity: Why You Should Lend NOW

Monday, June 2, 2014

Everything’s Coming up Equity: Why You Should Lend NOWEquity lenders who are trying to get a read on potential for the remainder of 2014 should be encouraged by recent economic data. Despite the headwinds of higher interest rates and a geographically uneven recovery, current trends suggest a continuation of the upswing experienced throughout 2012 and 2013.