Debit $coring Overdraft Service
Lower Overdraft Price + Meaningful Risk Based Limits = Greater Value
Moebs Services Debit Scoring® Overdraft Solution is the only consumer centric overdraft service proven to increase fee revenue with lower fee prices. Debit Scoring® is designed to expand consumer satisfaction and your bottom-line profitability. Guaranteed.
Our solutions are rooted in classic, economic principles. As a leader in Big Data, Moebs Services approach is unmatched by our competition. We leverage our proprietary tools and analytics to keep your institution at the forefront of risk-based transactions.
We design custom pricing parameters based on your market, your checking users, your overdraft goals and your philosophy.
Key Debit $coring Features
- Overdraft Fees < $20, or lower.
- Overdraft Limits from $100 to $10,000.
- 100% Volume Increase.
- Net Losses < 4% Revenue.
- Custom, empirically derived limits to control risk.
- Consumer friendly, fully disclosed checking service.
- Data-driven models and recommendations
Why Moebs Debit $coring?
More than just an overdraft service, Debit $coring is a patented, risk-based solution designed to control risk and identify opportunities.
Our solution starts with the consumer and is designed to provide maximum value with low fees and friendly features (caps, grace periods, early payday, de minimis balance, and de minimis transaction thresholds).
We simply believe your bottom-line wins when the consumer wins too!
Moebs Debit $coring® System is licensed by U.S. Copyrights & Patents1 and implemented with hundreds of banks, credit unions, savings institutions and even fintech.
Regulatory and Compliance Experts
For over 40 years, M$ has established itself as the go-to source for overdraft data and insight for the prudential financial service regulators and policymakers in Washington, DC.
The CFPB’s rule on junk fees targeting overdrafts with price caps and Reg Z TILA implications has been officially overturned. While the current federal regulators are relaxing overdraft oversight, the Overdraft Pendulum will swing back.
Moebs $ervices will keep your institution ahead of the compliance curve to focus on serving the consumer. Grow your checking account portfolio profitably, compliantly, and pass the benefit on to your consumers with Low Prices.
Get your Overdraft House in Order Today. Email Moebs.
Click here to view our Debit $coring brochure.
- Moebs $ervices (M$) Debit $coring System and described technologies are the subject of U.S. Patent No. 7,676,408 & U.S. Patent No. 8,533,084 issued to (and other patent applications pending for) M$. The use of M$ patented technologies without the written permission of M$ may be a violation of patent law. ↩︎