A member with a loan and no checking account provides huge potential for any credit union. The member already has a relationship with you, but is likely not using you as their primary financial institution. Maybe they came to the credit union as an indirect loan or maybe they previously had a checking account. Regardless, this is an opportunity to reach out to them and entice them into a checking account. One idea is to use a $50 dollar gift card for new accounts but get creative and find what works for your members and credit union. We will walk through the process to identify those members and contact them. Use this as an exercise in establishing or building upon a sales culture.