BSG Financial Group Adds FNBC Bank, Others to its CourtesyConnect®/CourtesyLimit™ Client Roster

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FNBC Bank Selects CourtesyConnect®/CourtesyLimit™ Automated Overdraft Management Solution to Enhance Customer Service, Manage Risk and Compliance

BSG Financial Group provides more robust reporting than we received before, which has been instrumental in continuously monitoring collections and charge-offs as part of an overall risk management tool.

BSG Financial Group, a provider of revenue-enhancing programs and compliance solutions for financial institutions nationwide, announced today that Ash Flat, AR-based FNBC Bank has implemented the company’s CourtesyConnect®/CourtesyLimit™ technology in order to improve the management of its courtesy overdraft program.

According to bank officials, FNBC Bank, with $437 million in assets, selected BSG Financial Group—displacing an incumbent third-party vendor it had employed for five years—due to the company’s consultative approach to clients as well as its emphasis on compliance. “We wanted to make changes in the way we calculated our overdraft limits so we could help our customers more effectively meet their short-term liquidity needs,” said Michael Burris, Executive Vice President & Chief Financial Officer of FNBC Bank. “When we contacted our previous vendor, we learned they could not support the changes we wanted. That’s when we went looking for a new partner.”

CourtesyConnect®/CourtesyLimit™ calculates individual, daily overdraft limits for the bank’s customers based on their ability to repay the overdraft and its corresponding fees. According to Burris, CourtesyConnect®/CourtesyLimit™ will also help FNBC Bank communicate more effectively with customers regarding their debit card transactions that are denied due to NSF. The software gathers and analyzes debit card transaction data and helps the bank create timely, personalized communications that “help us elevate our level of service to customers,” according to Burris. He also noted that, “BSG Financial Group provides more robust reporting than we received before, which has been instrumental in continuously monitoring collections and charge-offs as part of an overall risk management tool.”

BSG Financial Group additionally provides its CourtesyConnect/CourtesyLimit clients with a comprehensive set of best practices in order to comply with all federal guidelines regarding overdraft management.

FNBC Bank is one of several financial institutions that have selected BSG Financial Group in 2017 to help them manage their overdraft privilege programs.

Some of its newest clients include:

BSG Financial Group recently expanded its customer service division in order to accommodate the recent and anticipated growth of CourtesyConnect/CourtesyLimit clients, in addition to new customers that utilize its other revenue-enhancement solutions.

About FNBC Bank
After more than 100 years in business, FNBC demonstrates that a bank can be much greater than its balance sheet; it can be a powerful catalyst for community and individuals to pursue and achieve their highest aspirations. Chartered in 1912, FNBC’s century-long legacy has been forged through diligence, passion and execution. The result being an organization built by Community Bankers whose values are rooted in dependability, resourcefulness, honesty and integrity. At its century mark, FNBC is passionate about creating value for its customers and its communities. Its culture is strong; its core is vital. It has a bold past and a bright future. For more information about the bank, 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

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Michele Rehm

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