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Have you taken an in-depth look at your debit card program? Is it time for a refresh or overhaul? Where do you start? If your debit card program is more than five years old, or isn't as successful as once hoped, it may be time to consider a facelift. There are things you can do to make your debit card program more enticing to your account holders and to move your card to the top of the wallet. Join us for a look at the major components of a debit card program, and how your choices affect the success of your program.

Please note that on-demand courses remain available for 90 calendar days after your registration is processed. Unlimited viewing is allowed within the 90-day period. Once the 90 days have passed, ePayU subscribers accessing Subscriber Content can simply re-register for the course at no charge and begin it again. If you are accessing Premium Content or are not an ePayU subscriber, you must pay an additional registration fee to access a course again after the original 90-day period.

AAP/APRP Credits: Up to 1.2

Item Number - LMSR0030

The white paper Readiness for Faster Payments in the U.S. was prepared by the Center for Payments and reveals the plans and interests of U.S. financial institutions in adopting new technologies such as faster payment solutions. Over 700 financial institutions and third-party senders across the nation participated in this survey, giving robust insights into faster payments opportunities and challenges. The survey results indicate a need for guidance and assistance with developing a payments strategy, identifying solution providers, and understanding faster payments in general. Concerns related to technology needed to implement faster payments was also expressed.

ePayResources is working with ten other payments associations across the country as the Center for Payments, whose mission is to advance the payments industry as a united voice through market intelligence and thought leadership. We believe this program further enhances the value of your membership in ePayResources. You can find more information at centerforpayments.org, or call ePayResources at 1-800-475-0585.

Item Number - C4P001

Available for Members Only

In light of the surge in digital financial services during the global pandemic, the Center for Payments recognized banks and credit unions are looking for ways in which to serve their account holders, but still respect social distancing. As a result, offering the ability to open accounts online has seen significant growth. Like any other online interaction, there are growing concerns regarding the risks and fraud associated with online account products. This nationwide market study of financial institutions sought to examine current industry practices and procedures to safely manage online account openings as well as detect, evaluate, and mitigate hazards throughout the online account opening experience.

These survey results offer financial institutions specific insights into the different strategies and actions similar organizations are employing to manage day-to-day operations and mitigate risk and fraud within the U.S. financial system.

Item Number - C4P002

There are distinct advantages, and potential for customer impact, to each method used to send a check back to the Bank of First Deposit, i.e., a return versus an adjustment. This session discusses the Paying Bank's legal right to return a check within very strict deadlines compared to a more forgiving time frame for check adjustment. With a focus on check adjustments, we will discuss reasons why the adjustment process may be the smartest course of action; the most common check adjustments used; definitions of adjustment types and their associated time frames; and where the warranties may be found to make one's case for the adjustment claim and the statute of limitations for the claim. We will also share the process of making a demand letter in instances where an adjustment claim is not available. If you want to learn why an adjustment is sometimes the better option to minimize customer impact, this session is for you!

Please note that on-demand courses remain available for 90 calendar days after your registration is processed. Unlimited viewing is allowed within the 90-day period. Once the 90 days have passed, ePayU subscribers accessing Subscriber Content can simply re-register for the course at no charge and begin it again. If you are accessing Premium Content or are not an ePayU subscriber, you must pay an additional registration fee to access a course again after the original 90-day period.

AAP/APRP/NCP Credits: Up to 1.8

Item Number - LMSR1011

There are distinct advantages - and potential for customer impact - to each method used to send a check back to the Bank of First Deposit, i.e., a return versus an adjustment. This session discusses the Paying Bank's legal right to return a check within very strict deadlines compared to a more forgiving time frame for check adjustment. With a focus on returns, we step through the most common check return reasons and any associated documentation the Paying Bank should obtain prior to return. Check law addressing return timing and liability will be examined as well. Come learn the appropriate use of the most common check return reasons and how to find the most expeditious path back to the BOFD by using data in the image cash letter file!

Please note that on-demand courses remain available for 90 calendar days after your registration is processed. Unlimited viewing is allowed within the 90-day period. Once the 90 days have passed, ePayU subscribers accessing Subscriber Content can simply re-register for the course at no charge and begin it again. If you are accessing Premium Content or are not an ePayU subscriber, you must pay an additional registration fee to access a course again after the original 90-day period.

AAP/APRP/NCP Credits: Up to 1.8

Item Number - LMSR1010