Channel Usage Chapter
The Channel Usage Chapter highlights aggregate transactional data, providing users the ability to view transaction counts or volume by transaction type or rolled up to its transaction type Channel (Back Office, ATM, Branch, Digital, Payments). The visuals bring data forward for users to quickly glean a greater understanding of where and how membership – or specific member subsets – are utilizing the institution. These dynamic datasets provide breakdowns and distributions by member type, age tier, Generation and Lifestyle, as well as specific transaction types. All data is derived from the raw extracts delivered and based upon the client-provided aggregation period (MTD/YTD) for each monthly or weekly data set.
The ‘Channel Usage’ dashboard also highlights member penetration among key digital services – such as Online Banking, e-Statements and Bill Pay – for regular reporting, trending, and analytics. These visuals can also be utilized for dynamic selection within the dashboard for quick filtering and insights.
Below is the breakdown of the Transaction Channels, as well as the Types of Transactions that would fall under each:
| Transaction Channel | Transaction Type |
| ATM | Number of ATM Deposits Number of ATM Transfers Number of ATM Withdrawals (Other Bank) Number of ATM Withdrawals (Same Bank) Number of International ATM Withdrawals |
| Back Office | Number of NSF items Number of overdraft items Number of returned items Number of stop payments Number of wire transfers |
| Digital | Number of electronic (direct) deposits Number of electronic bill pay items |
| In-Branch | Number of branch bill payments Number of certified checks Number of checks paid Number of deposited items Number of foreign checks Number of money orders Number of non-electronic (branch) deposits Number of official checks Number of Teller Line Checks Cashed |
| Payments | Payments Number of ACH debit transactions Payments Number of PIN POS debit transactions Payments Number of signature POS debits |