Checking Navigator
Empower Your Accountholders With Engaging, Gamified Financial Education
Checking Navigator is an innovative accountholder education tool available to financial institutions through Pinnacle's Overdraft Management System (OMS). This interactive, 30-minute online learning experience teaches checking account management and overdraft basics in a fun, visual, and highly engaging way.
Accountholders follow a gamified learning path called My Financial Garden, where they grow a virtual garden, earn badges, and receive a certificate upon completion. It's financial education that feels more like a game — not a lecture.
Why Checking Navigator?
Strengthen Financial Education — the Engaging Way
Most people won't sit through long, traditional financial literacy modules. Checking Navigator solves that with a short, game-based experience that keeps learners interested and builds real confidence in managing their accounts. It's a positive, interactive way to help accountholders understand responsible checking and overdraft use.
How Financial Institutions Use It
- Educate accountholders on responsible financial habits
- Reduce overdraft fees by increasing understanding and proactive behavior
- Demonstrate commitment to fair banking practices and consumer advocacy
- Promote accountholder success while building trust and loyalty
By offering Checking Navigator, your institution shows you're invested in financial wellness — a value customers remember.
Demonstrate Proactive Consumer Education to Regulators
Regulators expect financial institutions to take meaningful, documented steps to help consumers understand overdraft programs. Checking Navigator makes that simple.
Use it to provide clear evidence of your financial education efforts during audits, exams, and community impact reporting.
Easy to Implement — No IT Required
Getting started is fast and frictionless.
- You'll receive a unique link, customized for your financial institution
- Add it to your website, share via email, or include in online banking
- No software installation, integration, or IT resources needed
Track and Measure Engagement
Your institution receives administrative access to an analytics dashboard where you can:
- View participation and completion metrics
- Use data to enhance financial wellness reporting
- Strengthen community impact initiatives
What Accountholders Experience
A 30-Minute, Interactive eLearning Game
Inside the course, learners will:
- Navigate an engaging, animated learning track
- Grow My Financial Garden as they complete modules
- Earn achievement badges
- Receive a personalized certificate when they finish
It's a quick, memorable way to teach fundamentals of checking account management, overdraft basics, and responsible account use.
Build Trust, Confidence & Long-Term Loyalty
By offering Checking Navigator, your bank or credit union provides genuine support — and that support leads to stronger relationships.
SmartTech Software
Power Your Overdraft Management System
SmartTech is a cutting-edge fintech solution designed to make overdraft management easier for banks and credit unions. Our cloud-based software is built to work in harmony with your existing systems and to give you the additional tools you need to run a successful overdraft program that is fully compliant.
Overdraft Management System Benefits
An overdraft management system from Pinnacle automates overdraft processing, saving you time and eliminating human error. Our systems, capable of providing overdraft protection to personal or business accounts, are fully disclosed and compliant so you can systematically provide the information your accountholders need to understand their options and fees. Pinnacle works with you to customize an OMS that fits your banking operations.
