Welcome to MyFinancialHealth
Drive non-interest income for your financial institution in the Banno® digital platform. Sign up for an on-demand webinar to learn more about getting started with MyFinancialHealth.
We're looking forward to the first rollout of MyFinancialHealth!
Sign up for an on-demand webinar to learn more about getting started with MyFinancialHealth.
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Built in touchpoints
Repeatable by design
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Free basic access
for all your users
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Comprehensive tools for financial progress
A Partnership for Progress: Jack Henry and MyFinancialHealth
MyFinancialHealth empowers consumers with insight into key facets of their financial life, offering an upgrade to premium features for enhanced control—all from a single, trusted platform: yours.
Consumers can access basic credit monitoring tools, identity and privacy protection features and subscription management capabilities seamlessly within your digital experience.
20%
revenue share on all premium upgrades
for your organization1
If they’re ready to take even more financial control, consumers can upgrade into MyFinancialHealth’s paid tier for premium capabilities, unlocking a revenue share for your organization.
See MyFinancialHealth in action
Check out a quick demo to see how MyFinancialHealth can provide your consumers with enhanced control over their financial well-being.
FREE
Basic8
Available at no cost to the FI or the consumer
A consolidated view of multiple facets of their financial life.
Features include:
- 1B credit score
- Dark Web monitoring
- A view of exposed private info
- A view of their online subscriptions
PAID
Premium16
20% revenue share for the FI, paid for by the consumer1
All Basic features, plus:
- 3B monitoring and alerts
- Full identity protection
- ID theft insurance and restoration2
- Removal and monitoring of exposed personal information
- Ability to cancel online subscriptions
FREE
PAID
Credit Score and Monitoring
Experian® VantageScore® 3.0
3B credit monitoring and alerts
-
Identity Protection
Dark Web Monitoring2
Social Security Number Monitoring
-
Change of Address Monitoring
-
Identity Theft Insurance and Restoration3
-
Personal Info Protection
View exposed private info
Removal of personal info from data broker sites
-
Ongoing web monitoring for newly-exposed private info
-
Subscription Management
View online subscriptions
Cancel online subscriptions
-
What is the difference between the MyFinancialHealth offering and the current
My Credit Manager offering?
My Credit Manager offering?
The MyFinancialHealth offering includes features across 4 different dimensions of financial health: credit, identity protection, privacy protection, and subscription management.
As it relates to credit, the free tier only includes a credit score from 1 bureau. In addition, the free tier would not enable the FI to have access to Offers Engine, a product that is available to FIs who purchase My Credit Manager (the full suite of credit features) for their customers or members.
Offers Engine enables the FI access to user level credit insights to personalize their marketing. Many of Array’s clients who leverage Offers Engine are utilizing user level credit insights to segment their audience - targeting their customers and members with personalized ads that fit their credit profile. In addition, FIs who purchase My Credit Manager can choose the bureau they want to match their underwriting.
The below tools would also be unavailable to the FI as well if they do not choose to purchase My Credit Manager.
-
Client console: A powerful dashboard that unlocks valuable credit data insights and product engagement analytic
-
Audience segmentation: A segmentation tool that enables FIs to easily drive personalized marketing campaigns using user level credit data. FIs leverage this tool to run personalized ad campaigns, emails, mailers, and more.
My Credit Manager has also seen high adoption rates. Typical adoption for users who are given this product for free is ~35%.
For more details, download a one pager about Array+ here.
What if my customers already have My Credit Manager (MYCM)?
JH Customers who have purchased My Credit Manager for their customers and members will have the ability for their users to upgrade to a three-feature bundle (identity, privacy, and subscriptions) that excludes My Credit Manager. Existing Array JH customers will continue to enjoy the benefits of the full suite of My Credit Manager and Offers Engine.
Is there a back office area in which bank staff will be able
to view customer info/settings?
Will bank staff have the ability to upgrade/downgrade
on the customer’s behalf?
to view customer info/settings?
Will bank staff have the ability to upgrade/downgrade
on the customer’s behalf?
FIs can escalate to our support team at support@array.com if they need to upgrade/downgrade on the customer’s behalf.
Will Array be able to turn off MyFinancialHealth for specific end-users?
Array can’t manage those settings, but the FI can.
Are FIs going to have a way of seeing how many customers
are using the Free version?
are using the Free version?
Currently, banks and FIs will not have direct visibility to this data, but this can be provided by Array. We can also provide a list of the subscribing users in the current month upon request.
What do I need to do to “turn” MyFinancialHealth on?
FIs will need to complete an onboarding form then complete the required legal steps which include signing the NDA, MSA and updating their EULA.
How does implementation work?
There are three key components: First, the plug-in within Jack Henry, which is automatically activated (to be confirmed). Second, update your EULA for auto-enrollment (optional), and consider positioning the tile at the top in Banno for better visibility. Lastly, promote the feature to your customers to drive adoption.
How do I market this to my customers/members?
We have created marketing templates to help drive awareness around the offering. The resource includes templates for emails, display and and social media ads, push notifications and webhooks. We would also recommend leveraging Banno’s marketing tool to promote MyFinancialHealth.
Is it really free for my FI?
Yes, it is! This program is funded by the consumers who choose to pay for premium solutions. It’s a model that actually generates revenue for your FI.
How will we get paid?
Your institution will receive monthly ACH payments directly to the designated account provided to us during onboarding. Each payment will be accompanied by a detailed statement outlining the number of Premium users for that period.
What happens if consumers have questions/problems with the solution?
We offer a dedicated email and support channel for your team to reach out to for additional help. These resources will be provided to you during the deployment process.
What if we want to opt out after having opted in?
Array will work with the FI to smoothly end the subscriptions of upgraded users and unenroll all users from the product. Array will also end auto-enrollment of standard users and remove the ability for users to upgrade.
Is the revenue share negotiable?
No, this was designed specifically for all Jack Henry Banno customers. The revenue share model is designed to be scalable, fair and equitable for all FIs.
Are the legal terms negotiable?
No, the terms were designed for all Jack Henry Banno customers.
Are the features customizable?
No, the features are not customizable in order to maintain a scalable program. However, we’ll continue to optimize the feature set as we introduce new capabilities to our platform. Please share any and all feedback on our feature set with support@array.com.
Could we explore the possibility of subsidizing the premium cost
for specific user groups, such as wealth management clients
or premium checking account holders?
for specific user groups, such as wealth management clients
or premium checking account holders?
Not at the moment, but this could be a possibility in the future as we continue enhancing our integration with Jack Henry.
Get started with MyFinancialHealth today.
Take the next step towards financial progress for your consumers.
1 Prices are subject to change and may vary.
² Dark Web monitoring consists of searching for up to 1 Social Security number, 10 driver’s licenses, up to 10 credit and debit cards, up to 10 bank accounts, 10 passports, up to 10 phone numbers, up to 10 email addresses, up to 10 physical addresses, and 10 medical IDs. We partner with Constella Intelligence who searches thousands of internet sites where it is suspected that consumer’s personal information is being bought and sold. Constella Intelligence regularly reviews and adds new sites to search; however, there is no guarantee that Constella Intelligence will be able to locate and search every possible internet site as some sites are not published and frequently change. Dark Web monitoring may take several days to begin and may not occur during your {trial/Access} period.
³ The Identity Theft Insurance is underwritten and administered by AIG. This description is a summary and is solely intended for informational purposes and may not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
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