For more than three decades, John M. Floyd and Associates (JMFA) has been the industry leader in profitability and performance-improvement programs, and consulting services for financial institutions. We specialize in helping banks and credit unions increase earnings, control expenses and find the perfect personnel fit to ultimately provide better account holder service. We have completed more than 1,750 installations of our signature JMFA OVERDRAFT PRIVILEGE® program in institutions across all 50 states.

Through more than 3,000 successful consulting projects, JMFA advisors and program implementation experts have provided on-going, in-person and remote training and consultation opportunities for personnel of client institutions. Continuing education programs through the JMFA Academy are designed to ensure that participants understand how to effectively manage a successful overdraft service. Sessions include instruction on how to maintain program software, utilize documentation, administer employee training and oversee operational procedures in order to optimize performance, improve efficiencies and ensure compliance with all regulatory standards and industry best practices.