More Than Software.

A Strategic Partner.

From Overdraft Management to Mystery Shopping, Frontline Training, and Rewards Checking
Pinnacle Leads the Industry With Expert Guidance for Community Banks and Credit unions.

Request Demo

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.

Discover OMS

SmartTech Overdraft Software

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

Discover SmartTech

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.

Overdraft Management: Go it Alone or Partner with an Expert Guide

Overdraft programs aren’t just a financial tool—they’re a game-changer for both accountholders and financial institutions. A well-structured, transparent overdraft privilege program empowers customers to make informed choices about their accounts, fostering trust and loyalty while [...]

The Ultimate Guide to Overdraft Management Systems

Overdraft management systems (OMS), when managed properly, are beneficial for your accountholders and financial institution. Accountholders receive a safety net they can rely on and financial institutions maintain the ability to preserve non-interest income. What [...]

Governmental Affairs Conference 2026

Don't Gamble with Your Overdraft Program Stop by our booth at the Governmental Affairs Conference 2026 in Washington, DC! When: March 2 to March 6, 2026 Where: Washington Convention Center Booth: 916 Learn More [...]

Previous 456 Next