DALLAS — The overall trend of credit unions moving their credit and debit processing under one roof continued as TNB Card Services announced it has picked up the debit processing business of Smart Financial Credit Union.

The $392 million, Houston based credit union had been a client of TNB's for credit card transactions and debit transactions that are validated with the cardholders' signature for more than 16 years. It moved the processing of its debit transactions that are validated with a personal identification number to TNB to increase efficiency, the card processor said.

“With TNB's processing capabilities, we can manage both PIN and signature transactions over the same platform,” said Corbin Wilson, vice president of electronic service delivery for Smart Financial CU. “Migrating to one processor allows us to streamline our card operation by eliminating redundancy and improving workflow performance.”

Corbin added, “We evaluated the financial implications of continuing to split our debit processing, but couldn't identify any real advantages. The decision came down to efficiency and TNB's processing platform, which offers more sophisticated fraud protection, 24/7 member support, and the ability to better service our members.”