Checking accounts remain a primary funding engine for credit unions, yet many ALM models still rely on assumptions that don’t fully reflect how members behave today. This session draws on anonymized balance and transaction data from over 20 million accounts nationwide to provide a clearer view of real-world DDA performance.

Checking accounts are a core funding engine for financial institutions, yet many ALM models rely on historic assumptions that don’t align with observed consumer behavior. This session draws on anonymized balance and transaction data from over 20 million checking accounts nationwide to reveal how DDAs actually perform. Designed for CFOs and ALCO leaders, the discussion examines balance persistence, transaction velocity, rate sensitivity, and runoff risk—and how these factors materially influence funding strategy.