Strunk

Relying on a core provider to handle your overdraft program to "save money" is a trap that puts your institution's bottom line at risk. When operating expenses represent only a fraction of total revenue, focusing on cost reduction rather than revenue optimization can prove costly. Protecting your margins requires focusing on total program performance and regulatory defense rather than shaving minor operational expenses.

Your Core Can’t Manage Your Overdraft Program Your Core Can’t Manage Your Overdraft Program. If they claim they can handle it, ask how much they'll increase overdraft fee income.

If your community bank or credit union is still managing regulatory findings, customer complaints, and internal audit items across spreadsheets and disconnected emails, you are not alone. However, examiner expectations are shifting fast. Regulators like the OCC, FDIC, Federal Reserve, and NCUA want to see proactive, documented, and enduring remediation—not a last-minute scramble to gather evidence before an examination. Read our latest article to see how unifying your issue and incident management workflow elevates both regulatory compliance and day-to-day team productivity.

How Centralized Tracking Elevates Compliance & Efficiency Read Strunk's latest article to find out how centralized tracking elevates compliance & efficiency with our Issue Manager software.

Intuition-based loan pricing is officially a liability for community banks and credit unions facing compressed margins and rising credit costs. Shifting to a data-driven, loan-level profitability framework ensures every deal is priced for true, risk-adjusted return before it is ever booked. Moving away from competitor rate sheets toward true economic modeling protects net interest margins and ensures every loan decision aligns with institutional financial goals. Check out Strunk's Pricing Manager today!

Loan-Level Profitability Analysis in Bank & Credit Union Pricing | Strunk Discover how loan-level profitability analysis helps community banks and credit unions set defensible loan prices, calculate minimum acceptable rates, and satisfy fair-lending examiners. Strunk explains.

In banking, your "busy bee" consumers, the ones constantly buzzing through daily transactions on tighter, low-balance margins, are the exact group keeping the hive fed. Yet variable overdraft limit programs treat these high-activity users as a risk to be contained, inadvertently starving the bottom line. Rather than spending resources micro-managing risk for active users, financial institutions yield far better returns by letting their busiest customers transact freely within a stable, predictable framework.

Why a Variable Limit Overdraft Program Hurts Your Bottom Line Why a Variable Limit Overdraft Program Hurts Your Bottom Line? Too much focus on reducing risk & reducing charge-offs.

Navigating Regulation E opt-in requirements doesn't have to be a manual compliance headache. Ever since the Federal Reserve mandated affirmative consent for ATM and one-time debit card overdraft coverage, financial institutions have faced the challenge of maximizing coverage while remaining strictly compliant. Read the full breakdown to see how automation via ODP Manager can boost your opt-in rates and simplify compliance.

Reg E Opt-In Strategy: Boost Coverage via ODP Manager Reg E Opt-In Strategy boost coverage via ODP Manager. The software automatically identifies whether an account has opted in or has a pending election.

Federal regulatory agencies including the FDIC, OCC, Federal Reserve, and NCUA have officially finalized rules eliminating subjective reputation risk from their supervisory frameworks. Driven by Executive Order 14331, examiners are now explicitly prohibited from using vague reputation metrics to issue exam criticisms, deny expansion applications, or lower CAMELS ratings. Regulatory oversight is pivoting strictly toward objective, verifiable data in core areas like financial performance, operational resilience, compliance, and cybersecurity.

Moving Beyond Reputation Risk: A Data-Driven Era The banking industry is moving beyond reputation risk to a data driven era, which is driven by Executive Order 14331.

Are community banks accidentally giving their best loan rates to their least profitable clients? It happens more often than you think. Most community financial institutions overprice their largest accounts while underpricing smaller, less profitable ones. The result? Your highest-value relationships end up paying more, while low-margin accounts get the best discounts. Stop guessing and start pricing every commercial relationship with confidence. Schedule a quick demo with Strunk today!

Relationship Profitability in Commercial Lending Relationship profitability in commercial lending is a challenge for all CFIs. Most overprice their most valuable deals and underprice the others.

Are you watching the wrong line item on your P&L? For years, community financial institutions have taken their eye off the overdraft fee income ball, paralyzed by regulatory noise and an irrational focus on minimizing charge-offs. It’s time to stop playing defense and start managing ODP as an active line of business. Here is what your bank might be missing—and how to fix your pe*******on and Reg E opt-in rates.

Overdraft Fee Income: What Your Bank Is Missing Overdraft Fee Income: What your bank is missing. As an industry we have taken our eye off the overdraft fee income ball.

Attackers often target community FIs assuming smaller teams lack enterprise defenses—making a single breach potentially catastrophic. Relying on patchwork tools and manual processes only drains your time. Learn how Strunk’s Risk Manager platform shifts your institution from reactive firefighting to a strong, defensible posture. Let’s turn cybersecurity from an administrative headache into a strategic advantage!

How to Streamline Cyber Risk for Community FIs | Strunk How to Streamline Cyber Risk for Community FIs and automate the complex task of documenting your organization's current cybersecurity position.