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Trey Reeme

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Bad Calls

Opportunity wasted

3,383 locations through CUSC. 32,000+ ATMs through AllPoint.

Gahhh, why don’t we make this one of our most prominent messages? Perceived lack of access is what holds a lot of people back from viewing credit unions as a viable bank alternative.

Another problem:  I have to know zip code and address to find one; puh-lease. When are the iPhone apps for these tools coming out?  Make it easier for me to find you.

Asking me to “look for the swirl” doesn’t cut it.

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Tales… from… Car… Shopping

(Headline to be read in your best Joel McHale voice.)

Brad and his family searched for a new car last weekend.

Brad went to a car dealership in Humble, Texas and walked the lot with a salesperson.

Brad found a car he wanted to test drive.

Brad did some research on his BlackBerry during the test drive.

Brad decided not to buy the car.

Car salesperson to Brad as he was informed of Brad’s decision not to buy: “Thanks for wasting two hours of my time.”

If you’re in sales, a final walk-away “no” doesn’t mean a prospect won’t come back.  Sometimes it pays to let them go.

I encountered a pushy salesperson last week from a company I had wanted to do business with – the timing just wasn’t right for us to buy. He wouldn’t take no for an answer, tried unsuccessfully to go over my head and ruined our relationship before we could build it.

Misattributed feelings

I spoke at a presentation for the Texas Credit Union League last month.  CU Times contacted me to do a story on it.  That’s cool.

Um, until I read the story yesterday.

“Reeme, the former executive vice president of Trabian, a Plano, Tex., marketing agency, also suggested that those 60-plus-year-old directors looking at the industry’s future should seriously consider stepping down to make way for a generation more connected to new technology.”

No, I didn’t.

What follows is my exchange with the reporter.  Alls I can do now is tell the world what I really said.
—–Original Message—–
From: Trey Reeme
To: xxxxxxxxx
Sent: Thu, 8 May 2008 9:26 am
Subject: RE: TCUL Gen Y presentation summary

Thanks – let me know when you find that.  I wouldn’t have said it in the presentation even if I did feel that way (which I actually don’t); my entire board of directors was in attendance.

—–Original Message—–
From: xxxxxxxx
Sent: Thursday, May 08, 2008 11:24 AM
To: Trey Reeme
Subject: Re: TCUL Gen Y presentation summary

I have you saying that.  I’ll have to check my notes  but if it wrong, we’ ll do a correction.

—–Original Message—–
From: Trey Reeme
To: xxxxxxxxxx
Sent: Thu, 8 May 2008 9:17 am
Subject: RE: TCUL Gen Y presentation summary

xxx,

Before http://www.cutimes.com/article.php?article=38067 goes to print (fingers crossed about this) would you mind clarifying that it was Kent Sugg and not me that suggested that “those 60-plus-year-old directors looking at the industry’s future should seriously consider stepping down to make way for a generation more connected to new technology.

It doesn’t reflect the content of my presentation or my feelings at all.

Thanks for your help on that.  The rest of the article was great – a very entertaining read!

Have a great day,
Trey

—–Original Message—–
From: Trey Reeme
Sent: Monday, April 21, 2008 2:18 PM
To: xxxxxxxxxxxx
Subject: RE: TCUL Gen Y presentation summary

Haha – sure – I kicked off my presentation showing the group my Facebook profile, my Myspace page, my Twitter page, and then my Flickr page.

“On these social networks, you can easily find my birthdate, where I grew up, the names of all my friends, my job history, and everything I do on the weekends. This freaks everybody born before 1980 out.  But you’ve got to understand that I’m not that different from other 27 year olds.  And these are the types of members and employees our credit unions are having a lot of trouble reaching.  As an industry – like it or not – we’re boring and we seem to like it that way.  So how do we reach the most distracted, connected generation we’ve ever seen?”

—–Original Message—–
From: xxxxxxxxxxxxx
Sent: Monday, April 21, 2008 2:12 PM
To: Trey Reeme
Subject: Re: TCUL Gen Y presentation summary

That’s pretty good, Trey.   You got any news “bites” however. In other words, can you give me a strong quote or two something that doesn’t sounds so bland.  It would liven up my story a little though I don’t want to put words in your mouth exactly. .  A young guy like you ought to be able to give me something zippy to go with the photo.

You can do it tonight if you need more time.

—–Original Message—–
From: xxxxxxxxxxxxx
Sent: Monday, April 21, 2008 12:06:54 P.M. US Mountain Standard Time
To: Trey Reeme
Subject: Re: TCUL Gen Y presentation summary

Hi xxxx,

The four points I covered in the “Credit Union 2.0” panel discussion were:

1.  To enter social media at your credit union (blogs, podcasts, networks like Facebook/Twitter), the entire organization must be briefed on what it is and what to expect.
2.  Mobile banking is just around the corner in seeing widespread adoption.
3.  That said, branches aren’t dead – they just need intense customization, consistent branding, and attention to detail to avoid damaging relationships with younger members.
4.  Integration across channels (online, remote (ATMS, etc.), in-branch) is important for cross-channel shoppers like Gen Y.

I’ve attached two pics to choose from.

Let me know if you have any additional questions.

Thanks,
Trey

Bankwatch bashes Vancity; I disagree

I heart you, Colin, but you’re wrong on this one.

Banks and Credit Unions are getting all green over the last two years, and its becoming a fad. Maybe I am getting old, so feel free to call me out on this.

I was surprised to see VanCity, whom I respect using what appears to be shadow accounting to accomodate a claim of carbon neutrality.

I have to call VanCity out on this one. Using a ‘Social Audit’ they have calculated their degree of carbon usage. No problem there. In order to become carbon neutral, they have purchased ‘offsets from five alternative energy projects’. Huh?

…. I get the whole desire to appear carbon neutral, but lets not lose touch with reality. The organisation is carbon negative by definition. Paper, people, computers are all carbon users, and that wont change. This can be reduced, and managed. But to claim a fiction by adding something to a “carbon balance sheet” to make yourself carbon neutral is ridiculous.

Every Bank could do that same thing, and I ask … would the world be safer, and less prone to climate change?

My response:

Vancity isn’t perfect, but they’re sincere. This isn’t slapping a “green” logo on electronic statements, which I’ve seen many FIs doing.

From their site, “Over the last 10 years, Vancity cut its energy use by 50 per cent, incidents of staff commuting to work by driving alone by 13 per cent, and its paper consumption by 30 per cent saving well over $2 million in energy costs alone.”

Sure, you can cite “carbon neutral” as an impossible standard to achieve, but we know what they mean – that for the damage done to the environment from being in business they’re trying to erase thatoffset that by doing that much good.

You ask, “Every Bank could do that same thing, and I ask … would the world be safer, and less prone to climate change?” No matter what the answer really is, you can’t fault Vancity for trying. And I believe they’re making an honest attempt.

Bahahaha: 52.9% of CU Times poll respondents don’t know what they’re talking about

Current results on CU Times’ latest web poll:

“The United States will be check-free by:
  • 2015 (12.1%),
  • 2020 (19.7%),
  • 2030 (15.3%),
  • Never, there will always be checks. (52.9%)”

Is Super a mediocrity-maker?

Last Friday I went on a branch visit with Brad, our director of branch administration. The farthest branch was a two hour drive away from Lake Jackson, so he had plenty of time to field my complaints about the area.

My biggest grumble: “Sure, we have a Target. But it’s not a Super Target.”

401(k) + Debit Card ≠ Peanut Butter + Jelly

Some things just don’t go together.

I’d never heard of this before seeing it on Yahoo! Finance today.

A spokesperson for the company offering a 401(k) debit card offers this, ahem, reasoning:

“…the cards give people a sense of confidence and control, which in turn encourages otherwise reluctant people to participate in retirement programs, knowing that their savings won’t be locked up for decades.”

Um, really? Call me old-fashioned, but the speed bumps hindering access to my retirement savings exist for my own good.

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