CONTENTS
• All information analyzed and reported nationwide and by region
• Consumer knowledge of bank's current overdraft program
• Current intent to opt-in/out of bank's program
• Consumer Preferences: Method of delivery of NSF information & opt-in/out
forms—direct mail, email, CSR, personal banker
• Projected response rates for bank mailings of NSF information and opt-in/out
forms
• Customer reaction to mail-back & response-enhancement premiums: cash,
free overdrafts, travel certificates, hard goods
• NSF fee elasticity
• Optimum price-point analysis—a.k.a. the NSF Fee Sweet Spot
• NSF fee strategies—limited free overdraft coverage, monthly fee for
limited free coverage & notice, NSF range-based free coverage
• Aggregated NSF fee threshold analysis
• Consumer psychology of NSF coverage
• Consumer psychology of NSF fees
• Impact of non-coverage & purchases denied on account retention
• Incidence of debit-card usage
• Incidence of NSF transaction coverage
• Overdraft Customer Profile
• Demographic Profiles of NSF user groups
Results Are Ready
This valuable report that shows actual nationwide
consumer responses to a variety of questions about overdraft programs and opt-in acceptance is now
available. The data has been analyzed and compiled in an easy-to-understand report with illustrative
graphs and an executive summary.
Here's what you find in the report...
Get Answers...
If they received your mailing, and had to
decide today, how many of your customers would opt-in? How many would even respond?
What is the price elasticity of your bank's
NSF fees? At what level will your customers opt-in — opt-out?
What is the NSF Fee Sweet Spot —
the fee price point that will deliver optimal NSF income?
Which alternative NSF fees and program strategies
will increase your customers' opt-in?
How does your customers' NSF psychology
affect their opt-in decision?
How should your customers' psychology affect
the type of NSF overdraft protection offered by your bank?
Base your NSF overdraft protection on these
answers, and have a program that not only makes money for your financial institution,
but also keeps customers from deserting to your competition.
Research & Report Abstract
METHODOLOGY: Email message with
URL link to survey sent to 20,000 American adult heads of household. Follow-up email
sent to non-responders. Surveys completed and submitted online.
DELIVERABLES: AMI will send cross-tabulation report
(data deck — 1 banner), and a Narrative Report that includes written, graphic and tabular analysis of
the study data with an Executive Summary of findings. Telephone- or email-based consultation from the
study's database provided as part of special services.
STUDY COST: $795
Order Now
This timely information can help
you improve opt-in response and give you insight
into what consumers expect from an overdraft
program. Results vary by regions, so any "generally
accepted knowledge" you've heard may not apply to
your market.
The report is delivered in pdf
format to the email address you provide.
Get the facts from this thorough
consumer survey. Place your order now.
Or, you may request an invoice below: (purchase order number required)
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