Full Control

of Your Overdraft

Program.

Fixed or Dynamic Limits, Collection Letters, Reporting, and more.

SmartTech is a cutting-edge fintech solution designed to

make overdraft management easier for banks and credit

unions. Our cloud-based software works in harmony with

your existing systems, giving you the tools to run a program

that is both successful and fully compliant.

HOW IT WORKS

One Engine.

Powering Everything.

STEP 1

UPLOAD & VERIFY

STEP 2:  ENGINE

Pinnacle Financial Strategies favicon. SMARTTECH PROCESSING

STEP 3

LETTERS, REPORTS & PAYMENTS

Collection Letters

Upload, verify, and process your data to generate daily collection letters in PDF format — emailed, printed, or sent for distribution, with full processing history archived for on-demand review.

Full Control of Limits

Set limits by checking account type — standard, dynamic, or a combination of both. SmartTech notifies accountholders by email or letter and can assign personalized limits based on usage trends.

Easily Access Documents

A centralized Knowledge Base for every program-related need: regulatory updates, best practices, accountholder marketing, and program guides and forms.

Calculate Payments to Pinnacle

When you upload your data and documentation, SmartTech automatically calculates your payment. Pay online via ACH through the portal and access your full payment history anytime.

Analyze Your ODP Data

Visualize overdraft and NSF income, refunds, charge-offs, and recoveries, with month-over-month and year-over-year comparisons plus participation and opt-in tracking.

SMARTTECH SOFTWARE SECURITY

Three Layers Between

Your Data and Everyone Else.

Protecting your financial institution’s data is

essential, not optional — it’s woven into how

SmartTech is built, hosted, and accessed.

01

Secure Cloud Architecture

INFRASTRUCTURE

SmartTech is hosted on Amazon Web Services (AWS). All traffic is protected by

the latest TLS/SSL encryption protocols, with a hardware firewall as an additional

layer of defense.

02

Multi-factor authentication

ACCESS

An extra step at login ensures only verified personnel can reach the system —

protecting it from unauthorized users and potential hackers.

03

Soc 2® Type 2 Certification

ASSURANCE

The AICPA awarded Pinnacle a SOC 2® Type 2 Certification, independently

confirming strong security measures and a real commitment to protecting

accountholder data.

Pinnacle’s SmartTech software made the monthly reporting

less time-consuming and more efficient.

LONG REACH CREDIT UNION

Built for Now and The Future

Still The Engine.

Continuously Evolving.

We’re committed to continuously enhancing SmartTech to give you

the best possible experience and features. Since it launched in

2004, SmartTech has consistently evolved — and we’re committed to

continued innovation that benefits our customers.

READY WHEN YOU ARE

See SmartTech
Running Your
Overdraft Program.

Schedule a short, no-pressure walkthrough — built around how your

institution actually runs its program today.