2026 Platform Highlights for Your Overdraft Program

An AI assistant included with your program, a clearer record of every limit decision and your Privilege Manager CRM tools, now in ADVANTAGE.

Your overdraft program is only as strong as the tools behind it. Throughout 2026, we’ve released updates to the ADVANTAGE platform every month. Each one is built to save your team time, give you more visibility and help account holders stay informed about their overdraft options.

Here’s a look at the highlights so far this year and what they mean for your program.

Ask Advantage Intelligence

Advantage Intelligence, the AI assistant built into the ADVANTAGE platform, is included with your program at no additional cost. It helps your team create marketing copy faster, including direct mail, digital ads and emails, with control over communication type, tone, length, audience and details.

It’s useful beyond marketing, too. Teams use it to draft job descriptions, presentation bullets, meeting agendas and policy briefs, turn lengthy documents into bulleted memos and prepare responses to upset account holders. It doesn’t create images, but it can suggest image ideas to go with your copy.

This fall, Advantage Intelligence moved to an updated AI model and now remembers more of your conversation, so follow-up questions build on what you’ve already asked. As with any AI tool, review and fact-check its output before you use it. If your team hasn’t tried it yet, now is a great time to start.

Clearer communication with account holders

Account holders should always know their overdraft options. This year’s updates make it easier to reach them and to see whether your messages land.

• Email statistics: delivery and engagement summaries for your emails, with charts you can filter by date and letter type
• Invalid emails report: find accounts with missing or invalid email addresses and correct them in one place

More control and a clear record in Limit Manager

Limit Manager now gives you more flexibility in how limits are set and a full record of how they changed.

• Rule set history: see who changed each rule set and when, with descriptions on rule sets and comments on rule changes.
• New rule criteria: build rules on Days Since ODP Status Changed and Last Known ODP Status. The Generic Ineligible Account Type rule can now assign a specific ODP status to ineligible account types, where that status was previously left blank.
• Automated limit updates to your core: where enabled for your institution, limit files and custom output files can be delivered directly to your core, with no manual upload. Output reports are also available as .txt, CSV or Excel files.

Privilege Manager CRM, now in ADVANTAGE

• Reports: all of your Privilege Manager CRM reports are now available in ADVANTAGE. Pin the reports you use most, run them with your own parameters and export results to Excel or CSV.
• Account profile: the Privilege Manager CRM account profile is now in ADVANTAGE too, with risk, status and balance summaries for each account and ODP status changes recorded in account history.
• Promise-to-Pay: plans can be imported from your institution’s files, where enabled, with payment schedules created automatically, and schedules can now use cents.

New Mail Tracking tools show where each compliance letter or overdraft notice stands after it goes out.

• Letter-level tracking: USPS scan events, the facility route and an estimated delivery date for each letter
• Program-level metrics: delivery and scan rates measured against an 80% scan rate target, transit time summaries and a list of letters in transit 45 days or more
• RapidMail report: under Reports → RapidMail, see every mail upload by status (Scheduled, In Progress, Mailed or Failed), with charts showing why any file didn’t go out
• Address suggestions: with Address Standardization, matching U.S. addresses appear as you type when you correct an address, so letters go to the right place the first time

RapidMail uploads are now scheduled for midnight Central time. You can see each upload’s status and cancel a file before it sends if something needs a second look.

Not using ADVANTAGE Direct yet? Your Relationship Manager can show you how it supports compliance mailings and account holder notices for your overdraft program.

Making the most of your program

Many of these features are already available when you log in to ADVANTAGE. Some depend on the services your institution uses, and others are set up for each institution.

To learn which updates are available to you, or to set up a walkthrough for your team, reach out to your Relationship Manager directly or contact us. We’ll keep building on these tools, and we’ll share more updates in future communications.

About ADVANTAGE

ADVANTAGE partners with community banks and credit unions to drive sustainable growth and operational efficiency. With more than four decades of industry experience, ADVANTAGE delivers data-driven solutions that help financial institutions expand market share, strengthen non-interest income, and improve technology utilization.