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Overdraft and Privacy Mailings

Protect your Overdraft Fee Income

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Overdraft Protection

Since 2000, The Stellar Financial Group has assisted over 1,800 institutions with executing overdraft notification letter campaigns in a timely and cost-efficient manner to produce maximum results.

Overdraft programs have become increasingly important to a financial institution’s bottom line, as well as a valued service to its account holders. With government and/or federal regulations (such as Reg E) greatly affecting the rules an institution must follow, now is the time to make sure that you are 100% compliant. It is more important than ever to do everything possible to protect this revenue stream. Regulators have been critical, and in some cases have fined institutions for not properly disclosing their overdraft program.

An important step in avoiding such issues is to fully disclose the specifics of your program to account holders. It can be a time-consuming process to prepare and send the required letters and disclosures, especially if this is done internally. Not only are you utilizing your own limited staff resources, but you may not be minimizing the costs associated with these communications.

Guaranteed 13% Discount on Your Current Mail and Print Costs.

Contact us for more information. Email or use our ODP Mailing Quote Form.

Overdraft Notifications Made Easier

Experience and Expertise at Your Service

The Stellar Financial Group makes overdraft-related communications a breeze. From overdraft notification letters (including combination mail/email programs) to opt-in landing page creation, we can help you execute the right strategy for your institution.

Combo Email & Mail Notifications

Reduce Your Costs & Increase Opt-in Response

Our exclusive combo program could substantially reduce costs as well as create another convenient option for your accountholders to opt-in for ATM and everyday debit card transaction coverage. Depending on the number of accountholder email addresses you have on file, your institution could save an average of 20-25% per campaign.

Overdraft Notifications = Maximum Results

The following are just some of the services we provide to produce maximum results from your overdraft program:

  • Secure FTP personal directory for transmittal of data files. Or files can be sent via your secure email system. All data files will reside and be executed within our secure SOC 2-compliant datacenter.
  • Cosmetic Reformat of letters for a professional appearance.
  • Mail File Examination/Clean Up: We inspect mail files for incomplete or questionable data and work with you to rectify the data before processing.
  • 1st Class Presort the mail file to attain the best postage rates.
  • PDF Proofs will be provided for approval prior to printing any materials.
  • NO Contract Required and no strings attached.

The Strategy

The following three questions are addressed in our strategy to provide clients with a comprehensive solution for consumer overdraft campaigns:

  1. Is your overdraft program properly disclosed to your account holders?
  2. Are you achieving the most cost-effective communications by utilizing both traditional mail and electronic communications? If your institution qualifies for a combined email and mail strategy, you could save significantly on each notification mailing.
  3. Have you maximized ATM and debit card opt-ins with your account base?

As the industry leader in providing this service to financial institutions you can be assured your program is compliant and cost effective. We will provide the highest level of service to your institution, to your account holders and increase your ATM and debit card opt-in percentage. All client/customer data is securely stored and processed on our servers within a SOC 2-compliant datacenter.

With the experience of having executed in excess of 5,000 of these types of campaigns you can feel confident your account holders will receive the highest level of service available while you will benefit from having a fully-disclosed program when regulators review your internal processes.