Pinnacle Delivers Unmatched Results.

From Overdraft Management to Mystery Shopping, Frontline Training, and Rewards Checking

Pinnacle Leads the Industry With Expert Guidance for Community Banks and Credit unions.

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Who we Are

Advanced software-solutions and guaranteed compliance

Overdraft Pioneers

Deliver a better overdraft experience with innovative technology backed by 25+ years of expertise.

Regulatory Experts

Tap into regulatory expertise trusted by thousands of community banks and credit unions.

Overdraft Management Systems (OMS)

Next gen overdraft management for your team to alleviate regulatory pressure and improve non-interest income.

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SmartTech Overdraft Software

Core compatible, offering fixed or dynamic limits, plus process automation.

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Achieve a Compliant & Revenue Producing Program

OMS Essentials

Equip your bank or credit union with the necessary tools for maintaining a compliant and effective overdraft program.

OMS Plus

Implement advanced tools to grow your overdraft program and evaluate program performance.

SmartTech powered by Pinnacle

Leverage the engine behind OMS with SmartTech. Our cloud-based software makes it easy to manage your program.

Deliver Outstanding Service to Accountholders

Mystery Shopping

Gain confidence in how well accountholders’ actual banking experiences align with your expectations by utilizing our professional mystery shoppers. Our trained experts go through the entire banking process from start to finish, providing detailed insights into every interaction.

Frontline Sales Training

A combination of interactive online sessions and engaging on-site training provide employees with skills for building rapport, identifying needs, and matching the right services to the right customer.

Rewards Checking

What Counts Checking is a customizable, ready-to-implement program that lets you offer cash-back rewards, high-interest rewards, or a combination of both when accountholders use their debit cards.

Voices of Our Clients

“Pinnacle’s SmartTech software made the monthly reporting less time-consuming and more efficient.”

Long Reach Credit Union

“From our first meeting, to implementation, to ongoing marketing and compliance support, they have put our needs first.”

VP, Forge Federal Credit Union

“We’ve been absolutely shocked by the results. Our non-interest income has more than doubled; we now have a stable, reliable income. Our members are grateful, and they tell us every day.”

Desert Valley Federal Credit Union

PinnPoint Blog

Smarter Technology. Stronger Compliance.

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Why Compliance Guarantees Matter in Overdraft Programs

Overdraft programs are highly regulated and consumer-facing by design. A vendor that runs or supplies the software for these programs isn’t merely a feature provider; they’re a governance partner. A robust compliance guarantee shifts regulatory [...]

From Tellers to Trusted Advisors: Frontline Sales Training That Works

Frontline associates are the first point of contact when people engage with a financial institution. They must be equipped with the knowledge and accountholder sales and service skills to build trust and loyalty. Goals of [...]

The Overdraft Limit Debate Is Missing the Point

Discussions around overdraft programs often frame fixed and dynamic overdraft limits as opposing approaches—one focused on consistency and fairness, the other on flexibility and risk management. For community banks and credit unions, this framing can [...]

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