John M. Floyd & Associates:

 

We made the decision in the fall of 2006 to partner with John M. Floyd & Associates with their Overdraft Privilege Program. This program had four huge advantages for our bank: Collection efficiency; Bookkeeping efficiency; Increased NSF income; Compliance with all regulations. John M. Floyd & Associates exceeded our expectations in all four areas. Our NSF income improved over 50% and we would have been pleased with a 20% increase. Our collections improved and we’ve had two exams since we implemented this program and we had no problem with our examiners. I strongly recommend John M. Floyd & Associates and their Overdraft Privilege program.”

- William Petrey, President & CEO, First Citizens Bank, Luverne