MADISON, Wis. (6/3/09)--Two new white papers from the CUNA Operations, Sales and Service Council aim to explore how credit unions can compete against the decoupled debit and create strategies to build core deposits and member relations. Decoupled debit allows third-party card issuers to grant debit cards to credit union members and process transactions through their member checking accounts and the automated clearing house network. “The Decoupled Debit Dilemma” examines the origins of decoupled debit and outlines the opportunities available to credit unions. By understanding the wants and needs of members and merchants and the appeal of the decoupled debit, credit unions can re-engineer their debit offerings to be a competitive alternative, says the paper. “Scoring at the Core: Strategies to Build Core Deposits--And Member Relations” outlines the core deposits that are at the center of credit unions’ efforts to expand wallet share and build their deposit base. Developing business and niche deposit products, offering the full spectrum of delivery channel access to bring in new deposits, anticipating members’ economic outlook on their deposit preferences and pricing strategies, and credit unions’ competition in attracting and maintaining their core deposit base are also covered. For more information, use the links.