Overdraft Limit Deep Dive:
Dynamic vs Fixed

Join Pinnacle’s CEO Michael Brascom and Tanna Spell, Director of Information Technology, for an insightful 50-minute webinar and Q&A session exploring the critical differences between fixed and dynamic overdraft limits.

As financial institutions strive to enhance accountholder satisfaction, manage risks effectively, and ensure regulatory compliance, understanding these two approaches is essential. We’ll delve into how fixed limits offer simplicity but may lack personalization, while dynamic limits provide tailored solutions based on real-time account activity and risk assessments.

We’ll dive in and discuss the impact of each model on operational efficiency, accountholder experience, and risk mitigation including:

• The core differences between static and dynamic overdraft limits
• Operational and compliance considerations for each model
• Key questions to ask when evaluating your current approach

If you’re considering a transition to dynamic limits or interested in optimizing your fixed limit overdraft strategy, this session will give you the clarity and insight to make a confident, informed decision for your bank or credit union.