Jack Henry™ has unveiled MyFinancialHealth, a configurable free-to-premium platform designed to help banks and credit unions deliver powerful financial wellness tools without adding operational complexity. The solution enables financial institutions to offer essential features at no cost to users, while providing optional paid upgrades for enhanced control, security, and privacy. Activation requires just a single configuration—eliminating the need for APIs, onboarding processes, or custom development.
The introduction of MyFinancialHealth reflects Jack Henry’s ongoing commitment to deepening relationships between accountholders and their primary financial institutions. By embedding third-party solutions directly into the banking experience, the company aims to reduce financial fragmentation, enhance digital engagement, and position institutions as the central hub for customers’ financial lives.
Oklahoma-based First Fidelity Bank has emerged as one of the first adopters of the platform. “It’s easy to see the value in providing better financial health tools to customers,” said John Symcox, senior vice president and chief innovation officer at the $2.7-billion bank. “Credit data and monitoring are foundational, but layering on identity protection, privacy tools, and subscription management creates a full-service experience. It ensures our bank remains a one-stop destination for every financial need.”
Array, the technology provider behind several MyFinancialHealth components, reports that users engage with its features an average of 2.2 times per month, with many choosing premium services for added convenience and protection. The platform empowers banks and credit unions to deliver core tools for free while creating new fee-based revenue streams through upgrades like subscription cancellation services and data broker removal.
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“Our surveys consistently show that customers want simple access to financial data and free educational tools, and they are willing to pay for value-add,” Symcox added. “Jack Henry’s embedded model makes it easy for us to provide customers with more insights while also offering competitive and valuable subscriptions for cost-saving tools and enhanced identity protection services. It’s a modern, easy way for consumers to opt in and out when they feel the need for added support. It’s like a Netflix model, we’re offering financial tools that are available on demand, and we’ll be ready for customers when life changes.”
This latest release builds on a partnership that began three years ago, when Array leveraged Jack Henry’s Digital Toolkit to launch embeddable credit tools. The expansion aligns with Array’s mission to help financial institutions deliver top-tier capabilities with minimal effort, driving exceptional user experiences, trust, and loyalty through innovative technology, data insights, and high-touch service.
“Banks and credit unions saw clear value in embedding personal, high-touch features from Array,” said Erica Pilon, head of corporate strategy at Jack Henry. “This latest expansion is a win for everyone: accountholders gain better control and insight, while institutions strengthen their digital offerings with tools that are both protective and strategically impactful. It’s the kind of connection we strive to enable every day at Jack Henry.”