Overdraft Management System (OMS)

Gain a Competitive Edge with Pinnacle’s OMS

Discover the ultimate solution for your overdraft program needs with Pinnacle Financial Strategies. Choose between our OMS Essentials and OMS Plus packages, customized to your financial institution’s objectives.

Compliance, law, regulations, standards.

OMS Essentials

Fundamentals for Effective Program Management

This package includes compliant language and documents customized for your financial institution, access to educational and marketing materials, and dashboard reporting. It also includes onboarding, program training, and ongoing support.

Man pointing to graph on presentation.

OMS Plus

Upgrade to Plus for Ultimate Program Performance

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

Laptop with SmartTech loaded on the screen.

SmartTech Software

Power Your Overdraft Management System

SmartTech is a cutting-edge fintech solution designed to make overdraft management easier for banks and credit unions. Our cloud-based software is built to work in harmony with your existing systems and to give you the additional tools you need to run a successful overdraft program that is fully compliant.

Overdraft Management System Benefits

An overdraft management system from Pinnacle automates overdraft processing, saving you time and eliminating human error. Our systems, capable of providing overdraft protection to personal or business accounts, are fully disclosed and compliant so you can systematically provide the information your accountholders need to understand their options and fees. Pinnacle works with you to customize an OMS that fits your banking operations.

  • Trained and confident frontline staff

  • Quality customer service and support

  • Enhanced accountholder loyalty

  • Compliance with state and federal regulations

  • Visibility into overdraft program performance

  • Improved operational efficiency

Compare Overdraft Management System Features

OMS Essentials OMS Plus
Compliance
Disclosures
Policies
Procedures
Letter & Form Language
Program Reviews
Disclosure & Policy
Reg E & Limit Analysis
Compliance & Operations
Opt-in & Participation
Overdraft Program Performance
Training & Education
eLearning Online Course
Virtual Live Training
Marketing
Overdraft Education Videos
ODP Brochures
Landing Page Content
Email & Social Media Content
Checking Navigator
SmartTech
Library Module
Collections Module
Payments Module
Reporting Module
Performance Module
Service & Support
Client Success Team
IT Support
Revenue Advisory Services

Let’s Discuss the System That’s Right for Your Financial Institution

Are you ready to upgrade to efficient overdraft program management or unlock untapped revenue potential? Schedule a discovery call with a member of our team to learn how our proven systems will help you reach your goals.