Opt-in Resource Center

If your financial institution pays overdrafts, whether through an in-house program or with a third party vendor, up to 60% of your fee income could be at risk, and you will have to make changes to your overdraft program to remain in compliance with the Reg E amendment.

As the market leader in overdraft protection, Pinnacle remains committed to making sure all overdraft programs are successful. Over the past 13 years, more than 900 community banks and credit unions have depended on us to ensure their overdraft programs are both profitable and 100% compliant. That's why we are once again leading the way in response to the new Reg E amendment with the development of the Pinnacle Opt-in Total Solution ^SM.

This comprehensive program provides the guidance and tools your institution will need to comply with the Reg E amendment, including FocalPoint SuperLite, an easy-to-use data analysis and management tool that will help you implement the plan.

You must make these important changes to ensure that your customers and members understand your overdraft program and have the opportunity to make the choice that's right for them. The Pinnacle Opt-In Total Solution^SM includes all the resources and implementation timeline you need to:

Because we want to help ensure the continuing availability of overdraft protection programs as a valued and consumer-focused service, we are making the Phase I Planning Guide available to all financial institutions free of charge.

The complete Pinnacle Opt-In Total Solution is available to current Pinnacle clients at no additional charge. Clients needing additional data management support to facilitate successful implementation may also want to talk to us about our custom FocalPoint SuperLite datamart software, available for an additional fee. Other financial institutions may purchase the program through a monthly implementation plan.

The Pinnacle Opt-In Total Solution^SM is being introduced in three phases to help you allocate adequate time and resources to manage a seamless and successful implementation. You must register now to receive each phase as it becomes available.

• Phase I: Planning Guide

  Transitioning to a successful opt-in program will depend on careful planning, and our Planning Guide will provide a step-by-step overview of what you will need to do between now and the mandatory compliance date. The Planning Guide is available now, at no charge, to any and all financial institutions, whether or not you are a current Pinnacle client. If you are not a current Pinnacle client, you will need to purchase the Pinnacle Opt-In Total Solution in order to download the templates referenced in the Planning Guide, and to receive Phases II and III as they become available.

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• Phase II: Training Tool Kit

  Prepare everyone on the team. From internal communications to webinars to e-Learning training courses, the training tool kit will help your staff communicate with your existing and new account holders.

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• Phase III: Communications Tool Kit

  Give your account holders a better understanding of the benefits of your service and an opportunity to opt-in. We provide a complete turnkey communications program from calling scripts to system-generated letters to direct mail templates and more, designed to maximize your account-holder opt-ins.

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