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R.C. Giltner Services Partners with MicroBilt for Aggregation Services To Drive PaySound® Account Acquisition from Competito

LOUISVILLE, KY, Oct 28, 2014

R.C. Giltner Services, a provider of financial services and technology products to financial institutions, has announced a new partnership with Kennesaw, Ga.-based MicroBilt, a provider of consumer and commercial credit data and checking account information, which strengthens banks’ ability to offer the PaySound “no overdraft fees ever” Checking Plan and associated financial products to consumers banking with competitive institutions. Under the terms of the new strategic alliance, banks offering PaySound can utilize MicroBilt’s automated decisioning system to gain access and evaluate consumers’ data, with their approval, from their previous financial institutions to determine credit worthiness. This partnership allows a new customer at a client bank to get all the services of the PaySound Plan, including a checking account with no overdraft fees and real time, online liquidity. Customers simply choose electronically to provide access to their existing checking account deposits, debits, credits and statement ending balances at their current financial institution during the PaySound account opening process. “By partnering with MicroBilt, we make it easier for a broader group of new consumers at our client banks to sign up for a checking account that does not charge overdraft fees,” said Robert C. Giltner, president and CEO of R.C. Giltner Services. “We also provide our banks with a technology solution that helps them serve the credit needs of those with thin or challenged credit files.” “This strategic, long-term partnership with R.C. Giltner Services demonstrates MicroBilt’s continued commitment to the financial industry and its partners,” said Quinn Thomas, executive vice president of sales of MicroBilt. “The quality and scalability of MicroBilt’s risk management and analytics solutions remain on the cutting edge and help R.C. Giltner Services enhance their product offerings to banks.” The PaySound “no overdraft fees ever” Checking Plan eliminates overdraft fees and provides a package of educational and liquidity services for a flat rate of $14.95 per month.

About R.C. Giltner Services
Louisville, Kentucky-based R.C. Giltner Services provides financial services and technology products to community and regional banks and credit unions enabling them to acquire new customers and drive revenue customers willingly pay for valued services. For more information about R.C. Giltner Services, visit

About MicroBilt Corporation
MicroBilt is the leader in serving small businesses with data and tools that they need to manage risk and make informed lending and hiring decisions. MicroBilt offers the small business owner simple, cost-effective solutions for fraud prevention, consumer financing, debt collection, and background screening. With its PRBC® Consumer Report with the FICO® Expansion® Score, MicroBilt is the leading provider of alternative credit data to businesses that want to offer credit and other financial services to the over 100 million underserved consumers in the United States. For more information, visit