Turn your overdraft and NSF program into an asset – not a liability.
Regulatory focus on consumer protection, widespread litigation, increasing fraud risk and added overhead are making NSF and overdraft programs major sore spots for banks and credit unions.
DoubleCheck helps you keep all of these issues in check in a way that’s friendly for account holders, regulators – and your P&L.
Overview Video
DoubleCheck has your back
DoubleCheck integrates seamlessly with your banking core and digital banking provider, allowing you to communicate directly with every account holder in an NSF or Overdraft situation. With this unique transparency and control, they can view, prioritize and resolve their transactions to their preferences – before you return any transaction.
Offer Control and Transparency
Your account holders know more about their financial situation than you do. If they overdraw on their account, let them decide how they want to resolve it – through courtesy pay, a credit card, or other means.
Bank/Credit Union Controlled Overdraft
When your account holder has insufficient funds, apply the same overdraft policy you have today. DoubleCheck sends an email and text alert to account holders to let them know that there’s an issue with their account, and they can then log on to resolve it. If they do nothing, the default is your existing policy.
Customer Controlled Overdraft
DoubleCheck’s system will process a text and email alert to inform account holders that there’s an issue with their account. When they log onto your digital banking solution, they can see, review, and adjust each overdrawn transaction. They can then choose if they want to use overdraft protection and if so, how to apply it. They’ll also have the option of using an alternate payment method or marking the payment to be returned.
You become the hero to your account holder – and the posterchild for providing consumer protection.
No overdraft? No problem
The almighty debit card
Gain new revenue while protecting consumers
Flip the script and add more value to your overdraft & NSF programs instead of penalizing consumers with fees when they come up short. Give them the option to resolve NSF and overdraft transactions before the negative consequences hit them, they reap the rewards, and you get a new revenue source.
Consumer protection is the priority.
Prepare for the ultimate compliance.
DoubleCheck’s built-in safeguards manage compliance and documentation to help you prepare while keeping overhead trim. No major overhauls needed.
When class action lawsuits are filed, each NSF transaction is a massive liability.
One unhappy customer can cost you big.
If your notification and disclosure processes aren’t airtight, you’re a sitting duck in a class action lawsuit. DoubleCheck makes disclosures stand out, requires acknowledgment and tracks all notifications so you’re no longer a target.
DoubleCheck lets your customers choose which transactions get paid, which get overdraft applied, and which get returned, reducing your liability and keeping them in control of their finances. It just might reduce your insurance costs, too.
With DoubleCheck, customers can report fraud immediately—giving you time to cancel the transaction before it’s settled so you’re no longer on the hook for customer losses.
According to the Federal Trade Commission (FTC) Americans lost 12.5 billion in 2024 which was a 25% increase from 2023!
When you help your customers, you help yourself.
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Whether you choose to reduce, eliminate or maintain your fees, your focus on protecting consumers will pay off with a new customer-centric service and potential revenue stream.
Easy-to-integrate Technology solution
It’s never been so easy to solve so many common, yet complex, banking problems.
Hassle-Free
DoubleCheck is easy to implement. We’ll work with your existing core and digital banking providers making it accessible to all customers instantly.
Customers have Spoken
Built with Security First
Want to keep your customers?
Keep them happy and in control with DoubleCheck.
Put your customer in control
NSF alerts, faster than a speeding bullet
Let them cover their assets
Cut out the consequences
Don’t give your customers a reason to bounce out of banking
Life happens in real-time. Cash management is a real problem in real-time. Yet financial institutions work on a daily clock cycle leading to unexpected problems at the most inconvenient times. Overdraft and NSF practices create a lot of friction. There’s a simple way to fix this: give customers a window of time to address the problem as well as new ways to pay for transactions that have been marked NSF. Keep them from ditching you for a non-traditional banking solution and put them back in control of their financial decisions with real-time notification and payment options from DoubleCheck.
Ready to learn more?