CSCU Releases Debit Research Brief

Tampa, FL (August 14, 2012) - Card Services for Credit Unions (CSCU) announces the release of a research brief to inform credit unions of the importance of supporting and growing debit card portfolios to building stronger member relationships and increasing profitability.

The study found that as more members migrate to debit cards, credit union efficiency goes up, transaction costs go down, and more interchange income is generated. As an example, if a credit union processes a total of 400,000 check, ACH and ATM transactions every year, migrating 25 percent of these transactions to debit provides a total annual benefit of $76,100.

Optimizing the debit card program includes more than just encouraging debit card usage. It also includes: member education, promoting all forms of debit payment (signature, PIN, recurring bill pay, etc), replacing ATM cards by promoting ease of cash back at point of sale, issuing debit cards with every new checking account and creating a debit rewards program.

To ensure your credit union is fully optimizing your debit program, take advantage of CSCU’s analytic tools at

As an industry leader, CSCU brings member credit unions information, insights and guidance on the latest trends and growth opportunities. This white paper and other research projects can be found at
About CSCU
CSCU is the credit union industry’s advocate, partner and leader in total payment solutions. Created by and for credit unions, we are driven by the same principles that guide the industry. We work exclusively with credit unions to provide a customized, holistic offering that maximizes value for both credit unions and their members. CSCU’s services and offerings are focused on driving the growth and success of our nearly 2,700 member credit unions.