LKCS – Sharetec’s Perferred Statement Provider of Advanced Statement Solutions

LKCS provides Sharetec credit unions with the ability to handle off-site statement printing as well as the ability to embed targeted, graphical marketing ads directly into their statements. These transpromo statement marketing capabilities have proven to be tremendously successful for credit unions at a fraction of the cost of other marketing options.

LKCS can prepare statements in just about any format or layout imaginable.  By adding relevant messages, you can piggyback targeted promotions and advertising onto existing transaction-related documents, such as statements.

Transpromo Statement Campaigns Ideas

  • New account holders
  • CD renewals
  • Loan payoffs
  • Auto loan recapture
  • Birthday messages
  • Loan payment coupons
  • New mergers/branches acquisitions
  • New SEGs
  • Cross sell opportunities

Matrix Statement Campaigns

Using a series of statement onsets sent out over a period of months/quarters, LKCS provides the ability to cross – sell additional products and services to specific groups of account holders.


LKCS teams up with Sharetec to provide statement marketing through E-Statements.  Inserts can be delivered with E-Statements as well as banner ads with links to web pages or PDFs.  Campaigns can be set up for all account holders or for selective accounts.

LKCS received a score 98% on their last customer satisfaction survey.

cleaning money

If you are like most Credit Unions, your staff routinely enters all of your members’ credit card advances and payments into your core system—and then again into the processor’s website. Most likely, your staff finds this process tiresome and in need of improvement.

Let Sharetec come to your rescue with Credit Card Sweep, a product that “clears the way” for improvement by putting an end to this repetitive process. Credit Card Sweep enables employees to simply enter a credit card advance or a payment like any other transaction—allowing them to be processed over the counter with ease in a single transaction. And at the end of the day, the Sharetec system “tidies up” the process by forwarding all of your credit card transactions in the form of an aggregated payment file to your vendor/processor. Clearly, this “sweeping” improvement has the potential to reduce errors while saving your staff valuable time to devote to other important tasks.


We all realize how difficult it can be to commit to a regimented savings plan. Yet Sharetec’s Save the Change account feature provides an easy way for your Credit Union members to accumulate a modest savings—even those members who find it challenging to save money on a regular basis.

The premise behind Save the Change is simple: your members’ debit card transactions are rounded up to the nearest dollar and the difference is securely deposited into a designated savings account. Members can opt to have funds deposited into their own savings account or into another member's account, such as a child or grandchild. Eligibility only requires the member to have a checking account, a debit card set up to make purchases, and a savings account.

Sharetec’s Save the Change feature is popular with members as it helps them build their savings effortlessly and incrementally, without having to make larger, lump-sum deposits. Plus, most members claim that they don’t even miss the extra change, so saving money becomes less painful as they save for that rainy day.

Contact us today for more information about our Easy Saver Program.

Sharetec offers a single sign-on so your members can access all the credit card information without having to log into another website. Look at the circled tab in the middle of the Home Banking screen.

Single Sign On2


  • Members don’t have to remember more logins & Passwords.
  • Driving the member back to your Home Banking.
  • Easy Transaction History.
  • Balance & Statements Quickly.
  • Secure.

One click on the credit card tab and the member is into their credit card site, seeing transactions and due dates.


Are overdrafts causing your Credit Union members unnecessary and preventable costs and embarrassment? Why not offer them the protection and defense they need from the dreaded overdraft with Sharetec’s Courtesy Pay.

Sharetec’s Courtesy Pay service offers members either Flat Rate or Tiered Rate protection, depending on which features best suit their needs. With Flat Rate Courtesy Pay, your member’s overdrafts will be covered up to an approved limit, with a flat fee assessed per transaction. The Credit Union pays the member’s check instead of returning it due to insufficient funds, which saves the member both merchant charges and your Credit Union’s insufficient funds fee. This option also saves your members the embarrassment that unintentional overdrawn checks can cause, while helping to safeguard their credit rating.

Unlike its flat rate predecessor, Tiered Rate Courtesy Pay offers a “tiered” approach that provides Credit Unions with more flexibility in assisting their members with overdrafts. It allows for a granular, risk-based fee structure by which members may initially receive free or discounted overdrafts, with a gradual increase in fees as their usage of the service grows. Therefore, members who incur frequent overdrafts and pose a higher risk will pay a higher fee than those members who encounter the occasional overdraft. Many Credit Unions have reported a substantial increase in their monthly income with the Tiered Rate Courtesy Pay structure. And another benefit is that a substantial percentage of your members will actually pay lower fees, helping them to save money in the long run.