What’s Next for Overdrafts? A Regulatory and Strategy Update

April 9, 2025
2:00 p.m. CT (12:00 p.m. PT, 1:00 p.m. MT, 3:00 p.m. ET)

Regulatory changes are in motion—how will they impact your overdraft program?

While federal overdraft oversight may be easing, financial institutions can’t afford to take a wait-and-see approach. State-level regulations continue to evolve, introducing compliance complexities that could reshape overdraft strategies. Additionally, shifts in leadership may alter regulatory agency priorities, creating new compliance considerations.

Hear from industry experts as they break down the latest developments and share proactive strategies to help your institution stay ahead. Learn how to adapt your overdraft program to maintain compliance, mitigate risk, and deliver more value to account holders.

Key Topics:

The latest regulatory updates and potential changes to overdraft rules
How shifting state-level activities could impact your strategy
Why a consumer-first overdraft strategy remains essential with recent shifts
Proactive steps to ensure compliance while protecting revenue for sustainable growth

Presenters:

Cheryl Lawson, EVP of Compliance Review at ADVANTAGE, has over twenty years of experience helping community banks and credit unions anticipate regulatory changes and enhance their overdraft programs to ensure compliance and reduce risks.
John Cohron, CEO of ADVANTAGE, has a proven track record of guiding financial institutions through strategic changes, including adapting to the latest trends in overdraft services and ensuring long-term success.

Who Should Attend? C-level executives and leaders from community banks and credit unions looking to stay ahead of overdraft policy changes and strategically align their programs with evolving regulatory expectations.

Data-Driven Strategies to Grow Accounts, Lower Costs and Expand Market Share

For 54% of executives, growing deposits is their top challenge. Factors such as increased competition for deposits, compressed margins, and the increased focus on liquidity have made deposit growth a critical focus for 2025. Today’s landscape is marked by intense competition—from big banks to digital banks and fintechs—putting upward pressure on acquisition costs.

Furthermore, achieving sustainable growth goes far beyond simply acquiring new accounts—you must also secure the coveted Primary Financial Institution (PFI) status. Learn how to attract the right prospects that align with your mission and vision, reduce the cost of acquisition, and strengthen account holder retention and loyalty.

Key Topics:

Leveraging data analysis to identify and target high-value prospects effectively.
Reducing costs to acquire new accounts and cross-sell services.
Driving long-term value to achieve PFI status and responsible revenue growth.

Who Should Attend? CEOs and senior executives from community banks and credit unions.

REGISTER

A Consumer-First Approach to Overdrafts

Wednesday, October 30, 2024

2:00-2:45 PM CENTRAL

Regulatory expectations have shifted. Consumer needs have changed. Are you meeting the evolving demands of your account holders, or are you just assuming you are?

Sometimes, challenging the status quo is necessary to uncover where your financial institution may fall short. A consumer-first approach isn’t just a buzzword—it’s a necessity to remain competitive.

Hear from industry experts to learn more about having a proactive, consumer-focused strategy that builds trust, mitigates reputational risk, and drives growth.

In this webinar, you’ll learn how to:

Prioritize Consumer Needs: Discover how to anticipate and respond to evolving expectations, ensuring your financial institution remains relevant and trusted.
Embrace a Consumer-First Overdraft Approach: Explore alternatives to traditional DIY and algorithm-based models—reducing risk and enhancing service delivery.
Align with Today’s Best Practices: Gain actionable insights to protect your financial institution’s reputation and foster long-lasting relationships with account holders.

Don’t miss this opportunity to learn how you can transform your overdraft strategy.

Driving Deposit Growth Success in 2024

REGISTER

Acquiring and retaining core checking relationships and growing deposits remains a top priority for community banks and credit unions. Before finalizing your strategic plan and budget, it’s time to explore ways to attract new account holders. Join us for this informative webinar and hear from our Checking Acquired team to gain valuable insights into:

Consumer behavior trends that are fueling account holder/banking relationships
Potential obstacles that may be holding you back from attracting the ideal account holders who can fuel your deposit growth
The power of utilizing your data to craft a long-term strategy that leads to results
How an omnichannel marketing approach can improve your success rate

Register today to start navigating a path toward gaining efficiencies, increasing your consumer base, and achieving your goals.

Panelists:

Pooja Bhakta, Acquisition Client Manager, ADVANTAGE, powered by JMFA
Jennifer Brooks, Client Communications Manager, ADVANTAGE, powered by JMFA

How to Communicate Overdraft Options Successfully

Avoid common mistakes and deliver a consistent message

WATCH ON-DEMAND

Effective and consistent communication about overdraft options is critical for financial institutions. It helps account holders make informed decisions about their finances. Moreover, it helps you maintain your reputation. However, many financial institutions struggle to ensure their employees deliver a consistent message.

In this recorded webinar, our panelists will discuss common mistakes employees make when communicating overdraft options and how to avoid them. We will also share tips for delivering a consistent message that empowers account holders to make the best decisions for their financial health.

Key topics for discussion:

The importance of clear and consistent communication about overdraft options
Common mistakes that frontline staff make when communicating about overdraft options
Tips for delivering a consistent message