Advance your overdraft revenue and evaluate program performance. OMS Plus includes everything in our OMS Essentials package, PLUS tools to improve your non-interest income.

Pinnacle provides you with our user-friendly SmartTech reporting platform, which allows you to automate metrics, including: gain over baseline, account metrics, financial metrics, yield per account, month-over-month comparison, year-over-year data, and peer-to-peer benchmarking.

In addition to access to our client services team, our advisory resources are available to OMS Plus customers to provide program guidance, address your concerns, answer your questions, and help you adapt your program for maximum returns using proven strategies.

We developed our compliance solutions to withstand rigorous regulatory scrutiny, leveraging our team’s extensive experience in FDIC, OCC, NCUA, and CFPB regulations as well as our network that keeps us ahead of pending legislation. OMS Plus includes best practices that allow you to provide the best accountholder experiences while safeguarding your institution.

Our SmartTech platform includes a Collections module that streamlines the management of overdrawn accounts, letter generation, tracking, and reporting. With SmartTech, you can automate overdraft management, saving time and preventing human error, so you can focus on other key areas of your business.

OMS Plus includes training tailored to your financial institution’s needs. We combine self-paced and flexible eLearning with on-site and remote sessions to ensure employees in each role in your organization understand your overdraft program. The goal is to create an empowered team that provides excellent service while complying with all requirements.

Pinnacle’s OMS program includes accountholder education resources, including engaging videos, brochures, and marketing assets branded for your financial institution. We also offer Checking Navigator, a resource you can embed in your website to provide financial management education to your customers.