BSG Financial Group Adds First Guaranty Bank, Others to its Roster of Clients Seeking to Enhance Revenue, Service in 2018

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Banks engage the company for its revenue-enhancement programs CourtesyConnect/CourtesyLimit, MinuteLender and Social IQ

We chose BSG Financial Group because of the program and practices that will help keep us in compliance.

BSG Financial Group, a provider of revenue-enhancing programs and compliance solutions for financial institutions nationwide, announced today that it has added four new clients to its growing roster of banks that will utilize its services to generate additional revenue and enhance customer service in 2018.

  • Two banks—Hammond, LA-based First Guaranty Bank and San Benito, TX-based First Community Bank, NA—have selected BSG Financial Group’s CourtesyConnect®/CourtesyLimit™ technology to manage their courtesy overdraft programs.
  • Beloit, WI-based First National Bank and Trust Company ($1.2 billion in assets) will implement the company’s MinuteLender® digital lending platform for small businesses in the first quarter of 2018.
  • Middletown, CT-based Liberty Bank has selected BSG Financial Group’s Social IQ technology, which automates the bank’s social media efforts and ensures compliance.

CourtesyConnect®/CourtesyLimit™ helps banks provide safe short-term liquidity options for its customers by calculating and assigning individual, daily overdraft limits based on their ability to repay an overdraft and its corresponding fees. With an emphasis on compliance, BSG Financial Group provides its CourtesyConnect/CourtesyLimit clients with a comprehensive set of best practices in order to comply with all federal guidelines regarding overdraft management.

“We chose BSG Financial Group because of the program and practices that will help keep us in compliance,” said Joaquin Lopez, Chief Operating Officer at First Community Bank. “We were particularly impressed with the depth of its reporting capabilities, which will help us continuously monitor collections and charge-offs and bolster our overall risk management and compliance efforts.”

First Guaranty Bank, with $1.7 billion in assets, is the third Louisiana-based bank to engage BSG Financial Group in 2017 for its discretionary overdraft management program. CourtesyConnect/CourtesyLimit helps the bank enhance service by creating timely, personalized communications based on an individual customer’s overdraft activities, including debit card transactions and denials. The bank works with Financial Institution Service Corporation (FISC) to manage its data and item processing, which is instrumental in providing daily processing data for the CourtesyConnect/CourtesyLimit program.

The MinuteLender® lending platform, provided in partnership with RC GILTNER Services, Inc., allows First National Bank and Trust Company to provide loans to small businesses in minutes, online via a computer or mobile device. The entire process is digital and leverages e-sign, so the customer is not required to visit the bank or fill out paperwork. Funding is generally completed in three days or less.

“We are known as a leader in delivering sound advice coupled with technology-driven solutions to our customers,” said Laura Pomerene, Senior Vice President and Marketing Director. “Adding mobile lending helps us provide a solution that our customers can access whenever and wherever it’s convenient.”

MinuteLender® is unique in the industry in that it allows banks to maintain control of the lending process from underwriting through delivery. While the tool is customized to match processes and parameters set by the bank, the scope of the program can also be set to fit market opportunities that vary by financial institution. In addition to the convenience factor of obtaining a loan via a mobile device, loans are delivered at a significantly lower cost to the bank than traditional, mostly-manual, lending processes.

About First Guaranty Bank
For over 75 years First Guaranty Bank has proudly served the people of Louisiana. With today’s ever changing economy, there is one thing that will not change and that is First Guaranty Bank’s commitment to our customers. With the power to make loan decisions on a local level we have the strength to help meet the needs and expectations of our customers. While other banks may come and go, First Guaranty Bank continues to have the power of three generations of banking trust.

About First Community Bank, NA
First Community Bank was originally chartered as the First National Bank of San Benito on September 27, 1979 and opened for business on October 3rd of that year in San Benito, Texas.

As Cameron County’s oldest chartered independently-owned bank, First Community Bank continues to meet the growing demands of the communities we serve by providing personal banking relationships with individuals and businesses alike. Our strong sense of community and our efforts to be an active participant within the communities we serve have enabled First Community Bank to become the premier independent community bank for the Rio Grande Valley of South Texas.

About First National Bank and Trust Company
First National Bank and Trust Company is a family-owned, community bank headquartered in Beloit, Wisconsin. Chartered in 1882, First National Bank and Trust Company now serves nearly 30,000 households in 13 communities and 16 locations in Southern Wisconsin and Northern Illinois with assets of approximately $1.2 billion.  Commitment to full service banking, investments, asset management, exceptional service, and Sound Advice has positioned First National Bank and Trust Company as a Stateline leader in the industry. For additional information, visit 

About BSG Financial Group
Louisville, Ky.-based BSG Financial Group is a group of independently organized companies that provides revenue-enhancement and compliance solutions for financial institutions nationwide. BSG Financial Group has been a provider of innovative overdraft programs since 1999, including the industry's first cloud-based overdraft management solution, Courtesy Connect®/Courtesy Limit™. The company's additional revenue-enhancing solutions include: Fee-Based Packaged Checking Accounts; Digital Lending Solutions; Vendor Management; Account Acquisition Strategies; Social Media Management; and CD Pricing and Selling Strategies.

BSG Financial Group includes the following companies: CourtesyCloud Management Solutions, LLC; BSG Financial, LLC; and IQ Development, LLC. For more information about the company, visit

About R.C. Giltner
R.C. Giltner provides digital lending technology to financial institutions and is headquartered in Louisville, Kentucky. For more information, please visit

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Michele Rehm

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