Press "Enter" to skip to content

Help Your Credit Union Reach Out with These 15 Rules for E-mail Etiquette

is an incredibly popular way of communicating with other people, probably
because it’s so fast and simple. For credit unions, e-mail represents a great
way to touch base with existing members and reach out to potential ones.

Shondell Varciana

credit unions still have a reputation for being stuck in the past. They are
still strongly associated with an old-fashioned way of doing things. It’s,
therefore, more important than ever to seize the opportunities that technology
offers. By harnessing the potential of e-mail, it’s possible to create a
positive impression of credit unions among the younger generation. It also opens
a wealth of opportunities to target specific groups and provide information
speedily in an accessible way.

although it may seem easy to send out an e-mail, there are a surprising number
of potential pitfalls. Knowing the basics of e-mail etiquette is essential if
you want to achieve the right impression with the recipients.

With this in mind, here are 15 rules for e-mail etiquette that credit unions should remember when communicating with members.

1. Choose
A Clear and Concise Subject Line

Perhaps the most important thing about any e-mail is its subject line. After all, the average American worker receives around 126 e-mails every day.

As you
can see from the statistics above, people only open about a quarter of all the e-mails
they receive. So, if you want your members to read your messages, you need to
get the subject line right.

Most people will base their opinions on whether to open an e-mail solely on its subject line. The main reason for this is because most people are spending around 13 hours every week checking their mail. They just don’t have the time to spend perusing every message in detail.

How do
you create the perfect subject line? It needs to be relevant and brief. Avoid
obvious clickbait and use keywords that directly pertain to the e-mail’s
contents. Don’t forget about the subject line, though. Many people will almost
certainly overlook e-mails that have blank subject lines.

2. Address
the Recipient Properly

people have sent e-mails to “Whom it may concern.” However, this is never a
good choice for any credit union. This greeting gives an impersonal and even lazy
impression of the organization. Identifying the recipient by name is always a
better option.

show that people who receive e-mails with a personalized address line are 26
percent more likely to open them
. However, keeping it formal is important
for credit unions when addressing members, particularly if it’s the first

3. Welcome
New Members

Welcome e-mails are among the most opened of all Internet messages.

chart shows that, of all the e-mail types sent out, welcome e-mails have the
highest open rate. It’s important for credit unions to harness that potential
to reach out to members at the earliest stage. By greeting new members (or
those who are interested in becoming members) in person, you can build a
stronger relationship.

4. Remember

courteous isn’t all about what it says in the body of the e-mail. It’s also
about how you present the message. A person can potentially misinterpret any
kind of written communication because of the lack of body language or

the reader can’t hear the tone of voice intended, he or she may misread what
you’re trying to say. Avoid any aggressive or excessive punctuation, such as
exclamation points. Also, avoid typing words in all capital letters as, again,
this comes across as potentially aggressive.

5. Respect
Others’ Time

you’re sending out a time-sensitive e-mail, it’s fine to add the word “urgent”
to the subject line. You should, however, avoid doing this in all capital letters
as this comes across as aggressive.

to keep your e-mail brief and focused. Nobody wants to read a long and
disorganized e-mail and will probably delete it before finishing it.

importantly, remember that members have other commitments in their lives. They
may not respond immediately to your e-mails. Avoid following up too quickly –
give around 48 hours to receive a reply before sending out another e-mail.

Don’t forget to follow up, though, or think that it isn’t worth pursuing. The graph below shows a response is still possible after several follow-up e-mails.

6. Remember
Spelling and Grammar

credit unions can make errors, and some common ones when e-mailing relate to
spelling and grammar. The amount of attention paid to e-mails translates to how
much attention you pay to your members. That means using spelling and grammar
checkers couldn’t be more important.

7. Minimizing
Any Calls to Action

you’re sending out an e-mail to members hoping they’ll act, keep those CTAs to
a minimum. A single call to action per e-mail is adequate. Avoid including too
much detail in your e-mail if you’re making requests. There’s a higher chance that
the recipients will overlook the information.

8. Remember

you’re sending out e-mails to members that enclose documents, make sure to
attach them. It’s surprisingly easy to forget attachments but doing so makes
your organization look unprofessional. It also necessitates another e-mail to
apologize and attach the document. That’s time-consuming and embarrassing.

9. Resize
Attachments Whenever Possible

When you need to send out several documents or larger attachments, you should consider resizing or zipping them whenever possible. A small attachment will load more rapidly. It will also take up minimal space in the recipient’s inbox. It will even send more rapidly.

As the
chart above shows, 46.6 percent of people read e-mails from financial service
providers on their mobile devices. Therefore, keeping files small enough for a
smartphone to handle with ease is important.

Close the E-mail Well

are many ways in which you’re able to bring your e-mails to a close. However,
choosing a professional one is very important. You need to give a professional
yet friendly impression to members (or potential members). Signoffs, such as
“Sincerely,” “Best Regards,” or “Thank You,” are all suitably respectful and fitting
for your credit union’s culture.

Choose A Professional and Precise E-mail Signature

official signature should be professional and easy to read. Some key elements
include your name and job title, as well as the credit union’s name and
website. Depending on the nature of the e-mail, a branch number and location
may also be necessary. Avoid other excessive details, such as social media
links, as this will look cluttered and unprofessional.

Never Share Confidential or Personal Details

statistics have shown that 81
percent of people working in the financial sector
share confidential
information via e-mail. This is something that credit unions should always
avoid. Sharing any confidential or personal information in this way is
extremely ill-advised because of the risk of cybercrime. Data could also easily
get into the wrong hands if the e-mail goes to the wrong place. This could also
happen if the wrong person opens it.

Invite Members to Reply Via Different Methods If They Choose

every member will feel comfortable replying to an e-mail with another e-mail.
Adding a contact number and address in the signoff of your message is helpful.
However, you should also add an invitation to use other methods of contact in
writing. This shows that you are happy to have members contact the organization
in any way. It also shows you want to invest in your members.

Make Sure You Have Spelled Names Correctly

an e-mail to a specific member rather than a generic blanket mailshot? Make
sure you spell his or her name correctly. It’s all too easy to misspell a name.
However, the negative impression that a mistake like that leaves can be very
damaging. A misspelled name indicates that your organization lacks attention,
care, and even interest in its members. Avoid this e-mail etiquette breach at
all costs.

Ensure an -E-mail Is an Appropriate Contact Method

e-mails are a useful medium through which to contact members, it isn’t always
an appropriate choice. E-mails are ideal if transmitting information, managing
a simple conversation, or recording details. On the other hand, if it’s a
delicate or sensitive matter, you should avoid sending an e-mail. A telephone
call, or even a private and confidential letter is a much safer and more
professional option.

the Pitfalls of E-mail Etiquette

an e-mail may appear simple, but it can be quite complicated to get the
etiquette right. There’s a surprising amount to bear in mind. Tone, timing, and
language are just three elements to consider.

professional is paramount when sending out e-mail communications to members and
potential members alike. Credit unions need to work hard to retain existing
members and attract new ones. That requires the maintenance of a high level of
professionalism at all times – even when e-mailing.

By utilizing the 15 rules for e-mail etiquette outlined here, your credit union will always create the right impression. Whether welcoming new members, sending out important paperwork, or making a call to action, e-mail can be a useful tool. However, you must use it to its best advantage. If you follow these rules, your organization will be able to do that.

Shondell Varcianna is the founder of Varci Media. A content writing agency that writes content for financial institutions. She can be reached at her website:
For more blog writing tips, check out The Ultimate Blog Content Checklist – 10 Keys to Blog Content Success at

This content is for CU BUSINESS eMagazine , THE TEAM BUILDER (GROUP SUBSCRIPTION), and Special Deal: 2 websites members only.
Log In Register

Comments are closed.