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Some programming savvy and a slick piece of software are helping the IT staff at Alabama Telco Credit Union make its Topaz signature pads do more than just record signatures at the teller line, its chief technologist says.

They also perform member relationship management tasks such as asking members whether they have a car loan with another institution or would be interested in a home equity line of credit. They even helped raise the opt-in rate for overdraft protection as the Reg E deadline loomed by asking members if they would like to keep that service.

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