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JMFA OVERDRAFT PRIVILEGE® is a consumer-friendly, fully communicated, and disclosed courtesy pay/overdraft solution that provides a valuable financial safety net for your members that may need it.

The Increased regulatory burden and shrinking net interest margins present severe challenges to earning income for today’s credit union. LEVERAGE partner, JMFA provides a complete overdraft solution with data-driven recommendations, greater automation tools, and reporting and tracking features. Plus, they offer effective training and improved communication to strengthen your member relationships.

With a proven track record for delivering value and best practices gained from thousands of customized installations in all 50 states. Plus, they offer the industry’s only 100% written compliance guarantee and lead the way in experience and expertise. JMFA delivers the intelligence necessary to make data-driven decisions to help your credit union succeed.

JMFA is your partner in formulating a successful overdraft solution and strategy.

Based on your goals, your market and how your members are using your program, JMFA can help you implement, improve, and refine areas including:

  • Fee Amounts
  • Overdraft Threshold (De Minimis)
  • Daily Cap
  • Disclosure & Fee Schedule
  • Grace Period
  • No Overdraft/No NSF Fee Checking Account Product
  • Account Holder Communication
  • Financial Education
  • Staff Training

With consistent program monitoring and support, you’ll receive JMFA’s guidance and recommendations to keep your program up to date so you can address your compliance and performance goals.


  • Enhanced Member Service
  • Greater Efficiencies
  • Guaranteed Compliance
  • Improved Performance
  • Preserved Revenue
  • Reduced Risk


A contingency-based service with a 98% success rate for helping banks and credit unions save millions in vendor contract expenses – much more than their vendor’s “best and final” offer. Through our no-cost review and assessment, you’ll discover how your financial institution’s processing and technology service proposals, contracts and agreements rate in the areas of pricing, service and support, terms and conditions, and more.

A regular audit of your vendor contracts, especially if you’ve never had a third-party review, can give you valuable insight into not only significant savings opportunities, but improved contract terms and service upgrades. Also, depending on the type of contract or agreement there may even be increased revenue potential. Overall, for many of our clients getting our expertise provides them great peace of mind when making such important purchase decisions.

Core data processing, debit/credit card processing, ATM maintenance/branch maintenance contracts, EFT network processing, card brand agreements, all telecommunications services (local, wireless, long distance/toll free, internet access, phone system maintenance, etc.), internet banking, item/image processing, armored car agreements, credit reporting for consumer loans, and others upon request.

Typically, contract reviews should start 18-24 months before the contract expires. However depending on the type of contract or agreement it could be as soon as 12-18 months prior to the renewal or expiration date.

To the contrary, JMFA’s involvement helps preserve the relationships you’ve built with your vendors. As an objective third party, we eliminate the discomfort that can come with directly negotiating costs with your account representative. We bring a highly professional approach to the negotiating process and a valuable knowledge of industry benchmarks, for healthy vendor relationships.

Once we issue a request for proposal (RFP) to a vendor, we give them 30 days to respond. The whole process from start to finish can take about 4-6 months depending on the complexity of the project.

Contact us at or call 800-809-2307 to inquire about a free assesment. From there you’ll be able learn just how much potential savings could be yours with JMFA. If we aren’t able to find any savings, then there is no fee. At the very minimum you’ll have peace-of-mind knowing that your financial insitution is indeed getting the best deal on your vendor contracts.

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