I was on vacation Dave...missed your post.
You can receive credit for deposit programs that are targeted to Low and Moderate income people...or areas. But as Bonnie and Don mentioned, you've got to draw the connection for the examiners. Low cost accounts, with minimal balance requirements are a good example. So are ETA accounts. These are specific to government benefits and the Treasury can help you track the type of benefits being deposited in your bank.
I have a couple of products I take credit for. One is the ETA account, and the other is a First Account. First Accounts are a specific Treasury designation, with very specific rules to the accounts. Because of their structure you can take them as CRA services. I further only offer this account in Non-AA areas of the state that are low income, unbanked native villages. And yes...they're OUTSIDE of my assessment area, but I still get credit. Go figure
If you offer any products to population bases that might be low or moderate income...lets say in a high latino area of town that you can document as being lower income, with a targeted effort to that market...take credit for it! If you're offering jumbo CD's with 1% over standard earnings...don't mention it
I also take credit for my bank by mail services. I can document that 60% of the envelopes come from zip codes that are rural and low income so...I got the credit. We also pay the postage on those puppies
The above services did boost my service rating from high sat to outstanding. Each test has a score given to it. You could see your services score be just the ticket to bring the entire exam up to the O rating...you never know...so document the efforts, just in case!