The ICBA/IMPACT Overdraft Solutions (IOS) is a third generation approach to automated overdraft transaction account management.  By focusing on value, we have identified each of the key components for a successful overdraft program and have tailored our solutions to maximize each one. 

IOS is not just a software package, almost every core system has that.  IOS is the best overdraft protection account management system available today.  IOS manages accounts from the time they are opened through closing and collection. IMPACT helps your bank design a program that provides; maximum value for your account holders, guarantees regulatory and legal compliance, helps communicate the program to your account holders, trains all your bank employees and provides, installs and supports a comprehensive Overdraft Manager Software package that automates most of the daily overdraft management processes.  

During an on-site implementation we work together to create overdraft business rules, documentation, disclosures and customer awareness materials, then the Overdraft Manager IOS technology applies the rules on a daily basis to help you manage the process.

Whether your bank initially created its own in house overdraft protection program, used a third party vendor, or are considering a formal overdraft program for the first time, let us show you how ICBA/IMPACT Overdraft Solutions can work for your bank and your account holders. We can help your bank increase, protect and sustain its NSF/OD fee income stream while providing account holders with a valuable and appreciated service.  By automating most of the daily overdraft processing functions it will allow employees to focus on task that make sense. The ICBA/IMPACT Overdraft Solutions components are all in place and easily deliverable to your bank. 

Click here for more information on the ICBA/IMPACT Overdraft Solutions components and services.