Coastal Credit Union Boosts Non-Interest Income Through PIN Debit Optimization

Summary: As debit network routing became more complex, Coastal Credit Union sought a strategic way to optimize PIN debit performance while maintaining flexibility for future market and regulatory changes. Working with Velera's Pay Network solution, Coastal analyzed transaction volumes and network performance to identify opportunities for improvement. The result was a seamless implementation that generated approximately $30,000 in additional monthly income, improved PIN debit profitability and delivered ongoing strategic guidance without requiring a complex network conversion.