A member with a checking account and no loan offers huge potential for any credit union. The member already has a relationship with you but it could likely be more. The majority of people are not debt free. Members need loans—it’s time to go after them! You can partner this edition with any loan specials you may have or it can be done independently as well. We will walk through the process to identify the correct members and contact them! Use this as an exercise in establishing or building upon a sales culture.