CU Chat Up

CU Chat Up - A Full Week of Credit Union Interviews

2011-10-26T16:41:00.002-05:00

This week was full of new radio shows including two on Monday and another on Wednesday. I have included direct links to each show or you can listen via the embedded player on the right for about a week.

Monday started off with the weekly show, CU Water Cooler Liquid Lunch with fellow editor, Jimmy Marks. We briefly discussed International Credit Union Day and then moved on to juicier topics including: Wag, the bank for dog fanatics, and Ron Shevlin's blog post, Bank Transfer Day Needs A New Name. Jeff Stephens, the creative mind behind Wag, wrote a blog post in response to the show.

You can listen to the show here:

CU Water Cooler Liquid Lunch #51

Later on Monday, CU Chat Up looked outside the credit union industry to discuss the current hot topic of consumers moving their money from big banks to credit unions. Natalie McNeal, the Frugalista and author of The Frugalista Files, stopped by to discuss her insights into why consumers are moving their accounts, what they are looking for in a credit union, and helpful hints for credit unions during this time. She was joined by Ondine Irving, Credit Credit Card Connection and Bryan Clagett, Geezeo, who discussed what they are seeing from consumers as well.

You can listen to the show here:

CU Chat Up - Leaving Big Banks for a Credit Union

On Wednesday, two of the Next Top Credit Union Executive finalists stopped by to talk about their amazing projects:

Amanda Thomas (Marketing and BD Manager, Members First CU) - Her project is to create "culture standards" at her CU.
Alexia Mavrakes (Marketing Manager, Aspire CU) - Her project is to implement a sales culture in a service environment.

They share what they have learned through their projects and some insights into changing the culture at a credit union.

You can listen to the show here:

CU Chat Up - Learning from Young Credit Union Executives - Part I

This was a fill week of credit union insights. Please listen to one or all the shows and share your thoughts in the comments! When I went to embed the shows, the ad playing before the shows ... Chase Bank. I don't have control over those ads, but find it humorous.

Making the Most of Positive Credit Union Buzz

2011-10-20T13:36:00.000-05:00

Between the Occupy protests and Bank of America's new $5 a month debit card fee, there is much negative sentiment towards the big banks these days. Anger has swelled into a grassroots call for people pull their money out of big banks and move to credit unions and smaller community banks.

While these feelings first came to be with the bank bailout and the Huffington Post's Move Your Money project, it never really stuck. This time the situation seems to be taking hold with a Bank Transfer Day scheduled for November 5th.

On this week's show, I invited Kyle Markland (CEO, Affinity Plus CU), Joe Mecca (Marketing and Advertising Manager, Coastal Federal CU) and Pat Keefe (VP Communications & Media Outreach, CUNA) to come on and discuss the positive buzz that credit unions have received recently.

Kyle and Joe discussed the mood of these new members, who is actually switching their account, what accounts these new members are opening and the marketing they are doing to take advantage of this current environment. Pat talked about asmarterchoice.org -- a comprehensive credit union finder website and what CUNA has been doing to promote credit unions during this time.

Listen the show on the player below or you can download the show via iTunes on the show page.

Here is more information about Coastal's 1c Overdraft forgiveness program and what I called the funniest credit union commercial I've ever seen from Affinity Plus -- Ditch Your Bank!

BAI Retail Delivery Conference

2011-10-11T13:28:00.000-05:00

Over the next three days, it will almost be like you are at the BAI Retail Delivery Conference. I will be there live-tweeting and doing interviews.

You can follow along on the two liveblogs below. The first one will include only updates from CU Chat Up, while the bottom one will include all tweets from the #RetailDelivery hashtag.

BAI Retail Delivery BAI Retail Delivery - All

CU Water Cooler Symposium Live Blog

2011-09-29T08:05:00.002-05:00

Follow along with all the goodness from the CU Water Cooler Symposium with the Live Blog.

CU Water Cooler Symposium Agenda

&amp;amp;amp;lt;p&amp;amp;amp;gt;&amp;amp;amp;amp;amp;amp;amp;lt;p&amp;amp;amp;amp;amp;amp;amp;gt;&amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;a href="http://www.coveritlive.com/mobile.php/option=com_mobile/task=viewaltcast/altcast_code=d608d5402f" &amp;amp;amp;amp;amp;amp;amp;amp;amp;gt;CU Water Cooler Symposium&amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;/a&amp;amp;amp;amp;amp;amp;amp;amp;amp;gt;&amp;amp;amp;amp;amp;amp;amp;lt;/p&amp;amp;amp;amp;amp;amp;amp;gt;&amp;amp;amp;lt;/p&amp;amp;amp;gt;

The event will also be live via Ustream

Streaming by Ustream

Credit Card Program Management - LiveBlog

2011-09-20T13:42:00.004-05:00

This week, I will be live-tweeting on Monday through Wednesday from Credit Card Program Management School facilitated by Ondine Irving from Card Analysis Solutions.

Follow along to learn tips to help improve your credit card portfolio including growing your balances, number of cards, and save money on processing!

&amp;lt;a href="http://www.coveritlive.com/mobile.php/option=com_mobile/task=viewaltcast/altcast_code=6980de0969" &amp;gt;School of Credit Card Program Management&amp;lt;/a&amp;gt;

The next school will be held in New Orleans in January 2012. Click here to request information.

Radio Show - Nurturing Co-opetition

2011-07-11T01:59:00.000-05:00

Last week, William Azaroff from Vancity and Jimmy Marks from Digital Mailer stopped by CU Chat Up to discuss a blog post that William wrote for the CU Water Cooler weekly discussion on cooperation among cooperatives.

Check out the discussion and share your thoughts here or on the original blog post: Nurturing Co-opetition

Drive - The surprising truth of what motivates us

2011-06-20T10:05:00.003-05:00

Are you sitting at work wishing you were in San Antonio listening to Daniel Pink talk about motivation?

Check out this video to hear his thoughts and ideas. While not the same presentation, it shows the science of motivation in a clear and fun manner!

Take Advantage of a Career Changing Opportunity

2011-05-26T02:00:00.000-05:00

As a young credit union executive, there was much that I had to learn and thankfully there was a program to help me - CUNA Management School (CMS). The other day I saw on Facebook, that CUNA was offering a scholarship for a first year student to attend this amazing program. Are you a credit union employee? Do you want to grow within your credit union career? If yes, you should apply for this program and scholarship!

I graduated from CMS a few years ago and I can point to that experience as being a career charging opportunity. I first heard about the program from a co-worker who became a senior manager around the same time I did. I got more information about CMS and immediately knew I had to attend. The CMS program is a well-rounded three-year credit union management school that propelled my career.

For two weeks each summer, the program runs at the University of Wisconsin in Madison. Attendees live in dorms, eat cafeteria food, and bond with their fellow students. Dorm life is much better than you would expect (especially since they now have semi-private bathrooms!). The learning doesn't happen just in a classroom either. Each year, students participate in a team-building activity that they will never be forget.

The learning doesn't end after the two-weeks each summer, because students use what they learn in Madison and complete an interim project. The first project involves looking back at their credit union's history from the beginning and specifically the previous five years. The second project is all about planning for the future with a five year strategic plan. After completing each project, you will know more about your credit union than probably anyone else there.

Over the years, the program has grown to include the annual projects, then testing, which brought accreditation (you can earn college credit), and most recently a designation. Graduates of CUNA Management School now earn the CCUE (Certified Credit Union Executive) designation. This honor shows that you have graduated from this comprehensive program, understand credit unions and leadership.

Are you ready to sign up? The deadline for applying for the scholarship is Friday, May 27th, but don't let that quick timeline stop you from changing your career forever. It is a short application and if you can't get it in by Friday, CUNA has said they will accept them into early next week. Please contact them to let them know you will be applying.

For more information about the program: CUNA Management School - Madison, FAQ, Why should you attend?

If you have questions about the program, please let me know. I'd be happy to discuss it with you, refer you to other graduates, or the CUNA program director.

CU Chat Up - Podcast Live from the CO-OP THiNK conference

2011-05-23T01:46:00.000-05:00

The CO-OP THiNK conference may be done and over in California, but the real work is just beginning. The speakers provided much insight into the current environment, how credit unions fit into the world and how they have to adapt to change.

The learning has just started! More important is continuing the conversations and putting the ideas into action. I hope you will participate in the on-going discussion!

On Tuesday night, Tina Hall, Ronaldo Hardy, and Jill Nowacki sat down with me to discuss what their main takeaways were from the first two days of the conference. Please take the half-hour to listen to their thoughts and join the conversation in the comments.

Listen here and comment below:

If you want more information about some of the sessions, please check out the live blogs for each day.

CO-OP THiNK Live Blog - Day 4 - Wednesday

2011-05-18T09:55:00.000-05:00

We have arrived at the last day of CO-OP THiNK 11 with two more amazing speakers in Brett King talking about Engagement Banking and Jeff Manning creator of the Got Milk campaign.

Follow along all the action right here!

&amp;amp;amp;lt;p&amp;amp;amp;gt;&amp;amp;amp;amp;amp;amp;amp;lt;p&amp;amp;amp;amp;amp;amp;amp;gt;&amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;a href="http://www.coveritlive.com/mobile.php/option=com_mobile/task=viewaltcast/altcast_code=6fdb7a99b6" &amp;amp;amp;amp;amp;amp;amp;amp;amp;gt;CO-OP THiNK Live Blog - Day 4 - Wednesday&amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;/a&amp;amp;amp;amp;amp;amp;amp;amp;amp;gt;&amp;amp;amp;amp;amp;amp;amp;lt;/p&amp;amp;amp;amp;amp;amp;amp;gt;&amp;amp;amp;lt;/p&amp;amp;amp;gt;

CO-OP THiNK Live Blog - Day 3 - Tuesday

2011-05-17T09:43:00.005-05:00

Day 3 of the CO-OP THiNK conference includes speakers: Jeanne Bliss (Land's End, Microsoft, Mazda) and Porter Gale (Virgin America). In the afternoon, people have the choice of three events for Children's Miracle Network.

&amp;amp;amp;lt;p&amp;amp;amp;gt;&amp;amp;amp;amp;amp;amp;amp;lt;p&amp;amp;amp;amp;amp;amp;amp;gt;&amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;a href="http://www.coveritlive.com/mobile.php/option=com_mobile/task=viewaltcast/altcast_code=c587b4890c" &amp;amp;amp;amp;amp;amp;amp;amp;amp;gt;CO-OP THiNK Live Blog - Day 3 - Tuesday&amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;/a&amp;amp;amp;amp;amp;amp;amp;amp;amp;gt;&amp;amp;amp;amp;amp;amp;amp;lt;/p&amp;amp;amp;amp;amp;amp;amp;gt;&amp;amp;amp;lt;/p&amp;amp;amp;gt;

CO-OP THiNK Live Blog - Day 2 - Monday

2011-05-16T09:08:00.000-05:00

Day 2 of the CO-OP THiNK conference is filled with top-notch speakers including:

Sir Ken Robinson, PhD, Creativity and Innovation expert
Tony Hawk, Pro Skateboard Legend
Nancy Lublin, DoSomething.org
Susan Packard, HGTV

Follow along below:

&amp;lt;a href="http://www.coveritlive.com/mobile.php/option=com_mobile/task=viewaltcast/altcast_code=5d2cfd5034" &amp;gt;CO-OP THiNK Live Blog - Day 2 - Monday&amp;lt;/a&amp;gt;

CO-OP THiNK Live Blog - Day 1 - Sunday

2011-05-15T14:41:00.000-05:00

Follow along with Day 1 of the CO-OP THiNK conference from Disneyland!

&amp;amp;amp;lt;p&amp;amp;amp;gt;&amp;amp;amp;amp;amp;amp;amp;lt;p&amp;amp;amp;amp;amp;amp;amp;gt;&amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;a href="http://www.coveritlive.com/mobile.php/option=com_mobile/task=viewaltcast/altcast_code=8b2cc9fd32" &amp;amp;amp;amp;amp;amp;amp;amp;amp;gt;CO-OP THiNK - Day 1 - Sunday&amp;amp;amp;amp;amp;amp;amp;amp;amp;lt;/a&amp;amp;amp;amp;amp;amp;amp;amp;amp;gt;&amp;amp;amp;amp;amp;amp;amp;lt;/p&amp;amp;amp;amp;amp;amp;amp;gt;&amp;amp;amp;lt;/p&amp;amp;amp;gt;

On-site Coverage of Finovate Spring 2011 - Day 2

2011-05-11T01:05:00.000-05:00

This week, CU Chat Up will be covering Finovate Spring 2011 in San Francisco. Over 60 companies will be presenting their latest innovations for financial services.

Follow the live blog for updates on the presentations.

Also, check back for more indepth information on some of the new innovations

&amp;amp;amp;lt;p&amp;amp;amp;gt;&amp;amp;amp;amp;amp;lt;a href="http://www.coveritlive.com/mobile.php/option=com_mobile/task=viewaltcast/altcast_code=1b4fd1891a" &amp;amp;amp;amp;amp;gt;Finovate Spring 2011 Live Blog Day 2&amp;amp;amp;amp;amp;lt;/a&amp;amp;amp;amp;amp;gt;&amp;amp;amp;lt;/p&amp;amp;amp;gt;

On-site Coverage of Finovate Spring 2011

2011-05-10T01:06:00.003-05:00

This week, CU Chat Up will be covering Finovate Spring 2011 in San Francisco. Over 60 companies will be presenting their latest innovations for financial services.

Follow the live blog for updates on the presentations.

Also, check back for more indepth information on some of the new innovations

CU Chat Up - Member Referrals and WOM

2011-05-03T02:05:00.003-05:00

On today's CU Chat Up, James Robert Lay from PTP Media and CU*SWAG, discussed how to generate member referrals and use Word of Mouth (WOM) marketing strategies.

I want to thank James Robert for coming on the show today, because he won the opportunity to be on the show at the NCUF DE annual auction last year. He was originally supposed to be on last May, but the birth of his son got in the way. It may have taken a year to re-schedule, but it was worth the wait!

Here is his original profile: James Robert Lay - Chatter of the Week.

You can listen to the show here: CU Chat Up - Member Referrals and WOM or using the player on the right side panel. It can also be downloaded via iTunes at either location.

Here is the video that James Robert and his team put together for Youth Week:

For more information on CU Tell a Friend and CU Follow Up.

This Friday, May 6th, CU*SWAG will be hosting a special sale to support CUAid.

Meet the CO-OP THiNK prize finalists and VOTE!

2011-04-27T22:47:00.000-05:00

On today's CU Chat Up, I had the privilege of having the three CO-OP Think prize finalists on to discuss each of their projects. They are competing for $10,000 in seed money to get their idea started. Check out a summary of their projects and listen to the show for more details.

Candace Vogelsong's project is to help credit unions develop social media strategies using platforms such as: Twitter, Facebook, and Foursquare. Small credit union - this cooperative program makes it easy.

Matt Weidler's project is to develop a system for members to use their credit union account at an ATM via their mobile phone. No ATM card - no problem.

Shari Storm's project is to create a mobile application that automatically moves money from your checking account to a special savings account, when the member forgoes a usual expense. Skip your fancy coffee today - save that money for tomorrow!

Listen or download the show here: CU Chat Up - CO-OP Think Prize Finalists or you can use the radio show player on the right of this page.

Once you have a favorite, please support them and VOTE! You can vote one time each day through May 6, 2011. (Only credit union employees are eligible to vote)

The winner will be announced at the CO-OP Think 11 conference. Registration is still open for the conference. There is an impressive line-up of speakers from different industries! If you can't attend, check back here for comprehensive coverage.

Bank bashing, customer-owned ... credit union commercials? Nope!

2011-04-27T00:01:00.032-05:00

Credit union advertising has often focused on the fundamentals of credit unions: not-for-profit, cooperative, member-owned, volunteer board of directors, and on and on. ...

While these are all true characteristics of the credit union, it is the same for ALL credit unions. Is that the best way to market and brand your credit union? And, is it even unique? Interestingly, an insurance company has started an advertising campaign based on similar principles, check it out!

Another, more recent trend has been for credit unions to bash banks in their marketing. The banks are the bad guys and credit unions are the good guys. Negative advertising. When we get to election time, people complain about all the negative advertising. Why would consumers like bank bashing ads? In my opinion, some of these ads work, while others don't; there is a fine line between the two. If there is a bit of humor in the ad, you can sometimes get away with it. Or, if you don't simply discredit the bank, but draw comparisons between your credit union and the bank - making it clear why you are a better choice.

Credit unions aren't the only ones using negative bank advertisements, check out this one from my local community. West Suburban Bank differentiates itself from the big bad banks.

I wanted to share these examples, because if you replaced "West Suburban Bank" in their ads with a credit union name, it would work. Or, if you replaced "Nationwide Insurance" with your credit union, the ad would work as well (How exciting would it be to have Dale Earnhardt as your CU spokesman?). When you advertise, are you showing what makes your credit union uniquely different from other credit unions, community banks, and mutuals?

Do you read enough?

2011-04-26T01:45:00.000-05:00

Do you read enough? I'm not talking about 100s or 1000s of 140 character tweets. I'm not talking about 500 word blog posts. I'm talking about really reading ... a well-thought out article, research paper, a book ....

When was the last time you read something that really made you think or taught you something?

Somehow I got away from reading quality in-depth materials. On the internet, people generally want to read short and quick items. These have value, don't get me wrong, but those pieces are meant to share knowledge in small bits or to spark an idea.

I started reading an article on FastCompany.com and got to the bottom and saw it had 5 pages. What? FIVE pages? Crazy, right? I realized I had the actual magazine and hadn't read it. So, I got off my computer and read it magazine in hand. There is something to be said for reading it that way, I learned tonight. But, I'll save that for another day.

There is a credit union in Chicago where the IT department takes every Friday afternoon to learn. Each employee can decide on their own what they want to read. It can be a book, magazine, technology manual, web materials - anything. The manager feels it is important for the employees to continue to learn, and learning doesn't mean a webinar or sitting in a classroom.

Do your employees read industry news? CU Times or CU Journal? Credit union magazines? Wall Street Journal? Banking newspapers or magazines? Business resources? Blogs? Twitter? All of these resources have value for employees.

If an employee were "caught" reading one of the above resources would they be told "Get back to work!"?

Learning stimulates the mind and makes for better employees. I know I'm going to make a concerted effort to start reading a variety of materials again. Please share what you generally read or what your credit union does or doesn't do now. Your suggestion will help others.

CU Chat Up - Employee Engagement

2011-04-21T02:01:00.000-05:00

Matt Monge, Director of Education and Training for FCFCU and consultant for The Mojo Company, was on CU Chat Up this Wednesday to discuss the importance of employee engagement and creating meaning at work.

A few of the topics we discussed included defining employee engagement, surveying your employees, identifying engagement in your credit union, and creating meaning in the workplace. Matt presented some tips that you can use right away and also some longer term suggestions to make sure your organization has a positive culture.

Do you know what success looks like for your position? Do you think your work matters?

You can listen to the show here: CU Chat Up - Employee Engagement or you can listen on the player on the right or download the podcast into iTunes.

Make sure to check out the Matt's blog post that we discussed during the show: Fighting the Idea of Irrelevance.

Please share your thoughts on how credit unions can improve employee engagement and job meaning. What does your credit union do?

CU Chat Up - Interchange and other CU Advocacy Issues

2011-04-18T01:08:00.000-05:00

Ryan Donovan, the VP of Legislative Affairs at CUNA, stopped by CU Chat Up on Friday to discuss the current status of the interchange issue, the possibility of credit union taxation and member business lending.

You can listen to the show here: CU Chat Up - Interchange and other CU Advocacy Issues or you can listen on the player on the right or download the podcast into iTunes.

During the show, we discussed different resources that your credit union can use to take the interchange issue to your members. Here are links:

CUNA Interchange Video

Interchange microsites: Save my Free Checking, Don't Lose your Shirt, Don't Make Us Pay

CUNA Capwiz

If your credit union is doing something different or you know of any other advocacy sites, please put them in the comments.

A new "flash mob" by Wells Fargo

2011-04-13T13:00:00.001-05:00

I've written about a few different performances from financial institutions before including from Innovations FCU and ING Direct Canada. Today, Wells Fargo posted their "flash mob" on YouTube. Over the last year, I've seen the feeling about these performances change.

While there is a place for these public appearances, they aren't really flash mobs and trying to present them as such can come across in a negative way. For example, when I wrote about the ING Direct performance, I referred to it as a flash mob. They never referred to it as such and that's when I was schooled in the difference between a public performance vs. a flash mob.

Companies should be careful about usurping that term for their publicity stunts. It was one thing to call them that years ago, but now they should sell these for what they really are - public performances. It sounds fun to use the term "flash mob" but it is not authentic and disingenuous.

What do you think? Here is the video:

Did I enjoy it? It was fun to watch, but rates near the bottom of similar videos I've seen. For example, it was better than the ING Direct Canada video mentioned above, but I enjoyed the Innovations FCU and some of the mall videos I've seen before much more.

Interestingly, I didn't see any Wells Fargo references at the performance. It appears the promotional value was intended to only come from being a viral video promotion

The video is on the Wells Fargo YouTube channel and titled the "Wells Fargo Flash Mob -- Times Square", so they get recognition there. But, they went further at the 3:00 minute mark (if you made it that far - the video is a bit long) a Wells Fargo logo appears in the bottom right hand corner and remains through the rest of the video.

Overall, what are your thoughts? I'm not sure this video was good enough to have much reach. But, then again, I'm writing about it and spreading the word.

Another resource for CUs to use for interchange advocacy

2011-04-08T11:45:00.000-05:00

The Credit Union National Association (CUNA) has provided a video for credit unions to use to bring the interchange issue to their members. The video includes comments from Bill Cheney, President/CEO of CUNA, Harriet May President/CEO of GECU in Texas, and Representative Debbie Wasserman Schultz from Florida.

For additional options, check out the post from last week regarding: SaveMyFreeChecking.com, DontLoseYourShirt.org, and DontMakeUsPay.com

Is your credit union bringing this issue to your members? What are you doing?

Ohio Credit Union League's inVest 48 Recap

2011-04-07T11:51:00.018-05:00

The last two days, I have spent time in Columbus, Ohio at the Ohio Credit Union League's inVest48 convention. They launched a new convention title "inVest48" to signify the 48 hours spent at the convention as something in which the attendees invest.

There were three main components of the convention:

Participate
Collaborate
Advocate

inVest48 had both an educational track and an advocacy track. I participated in the educational track and tweeted the sessions that I attended.

Tuesday's sessions included: Tucker Carlson providing political analysis, Bill Cheney discussing credit union advocacy, Elizabeth Vale talking about the CFPB, a session for Up and Comers in the industry, Jason Lindstrom sharing tips on CU advocacy, and Mark Arnold on marketing on the cheap.

Wednesday's sessions included: Howard Putnam, former Southwest Airlines CEO talking about overcoming turbulence times, Joe Sullivan discussing redefining growth for CUs, and lastly former Heisman Trophy winner, Eddie George talking about overcoming challenges.

I will be posting some takeaways from these sessions, but in the meantime, you can check out some of the tidbits from the sessions in the below replay of tweets from the event.

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Perhaps the funniest credit union commercial I have ever seen....

2011-03-31T12:51:00.001-05:00

I actually laughed at the end of this commercial. Out loud. Really....

I haven't really decided how I actually feel about it as a commercial, but it is funny.

It is anti-bank ad, rather than a pro-credit union ad. But, since it is really funny ... is that OK? What do you think? Like it or not?