Members Ready for Their Close-Ups? Personalized Cards from CO-OP Make It Easy

From family photos and pictures of Fido to reminders of a favorite vacation, Photo-OP debit, credit and ATM cards from CO-OP Financial Services can help credit unions differentiate themselves from competitors and strengthen member loyalty by creating an emotional tie to personalized cards that members use most often.

“Personalized cards are the ultimate in one-on-one marketing for credit unions,” says Stan Hollen, president and CEO of CO-OP Financial Services, and they can often lead to increased card use. A recent study by Datacard Group found that:

  • 15-20 percent more transactions occur with a personalized card than with a generic one;
  • 62 percent of photo cardholders’ outstanding balances are higher than the U.S. average;
  • 34 percent of photo cardholders’ monthly volumes are higher than the U.S. average; and
  • 50 percent fewer members are likely to switch to other cards or destroy their personal cards at renewal.

That increased loyalty and card usage translates into increased revenue, of course, and reinforces top-of-wallet positioning. It also creates the perception that the issuing credit union offers leading-edge products that are gaining popularity.

Best of all, Photo-OP is easy to use. Cardholders design their cards using a website that allows them to import photos from their PC, camera or social media sites such as Facebook, Picasa and Flikr. The three-step process: upload an image, crop the image to fit the card face, and submit the design for production and order confirmation.

To use “Photo-OP,” credit unions must utilize CO-OP Financial Services for card production; no other additional hardware or software is needed.

“Right from the start, CO-OP Financial Services impressed me with Photo-OP,” says Jennifer Guest, CEO of Shore to Shore Community Federal Credit Union in Trenton, Mich. Shore to Shore served as the beta client for Photo-OP. “The process is very easy and efficient, and it did not put any additional strain on our staff’s time. We are thrilled to offer our members this fun, new benefit which will also give us an opportunity to earn some additional non-interest income.”

For more information about Photo-OP, including FAQs and a short video demonstration, visit Details are also available from Christopher Kruger at 800.782.9042 ext. 2644 or

Strategic Link is the NWCUA’s wholly-owned service corporation, using the power of aggregation to provide the Association’s member credit unions with exclusive high-quality, competitively-priced products and discounted services. Contact Director of Strategic Partnerships Craig Reed today to find out how Strategic Link can help your credit union save money while meeting its goals in 2014 and beyond:

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