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Array and Jack Henry to Distribute Credit Management, Subscription Management, Online Privacy and Identity Protection Tools to Banno Customers and Users

The agreement creates new non-interest income opportunities for financial institutions; Array tools are proven to increase customer engagement and improve financial health

Array and Jack Henry (Nasdaq: JKHY) announced plans to provide Array’s credit management, online privacy and other popular personal finance tools for free to users who are on the Banno Digital Platform with the option to upgrade to premium features.

More than 800 community banks and credit unions and 10 million registered users on Banno will soon have access to these tools through a phased rollout. The announcement was made at the Jack Henry Connect 2023 client conference in Indianapolis.

“Array is laser-focused on delivering powerful financial tools that consumers love through the financial partners they trust,” said Martin Toha, Founder and CEO of Array. “With this announcement, institutions on the Jack Henry Banno platform have four of the most popular personal finance tools within their digital experience. This is as much a win for members and customers as it is for banks and credit unions.”

The free Array offerings include:

  • My Credit Manager - members and customers receive a free one-bureau credit report and score. They can also upgrade to a paid version that provides a three-bureau credit report with many powerful features to help users understand their credit and learn how to improve it.
  • Identity Protect - a free identity protection profile that notifies consumers when their compromised or stolen personal information is found. Members and customers can upgrade to a full premium version that can restore stolen personal information through comprehensive identity restoration services and provide ongoing protection with identity theft insurance**.
  • Privacy Protect - a free online privacy tool that scans dozens of data brokers and people search sites in real-time to reveal where users have exposed personal information. Members and customers can also upgrade to a paid subscription that provides ongoing continuous monitoring and removal of personal information from hundreds of sources, including data brokerages and people search sites. If a data breach occurs, Privacy Protect alerts customers to inform them if they are impacted.
  • Subscription Manager - an online subscription management tool that helps members and customers view their active recurring subscriptions. A full paid version of Array Subscription Manager enables them to cancel and can provide hundreds in savings.

“Financial institutions are seeking new opportunities to replace the non-interest fee income from overdrafts and processing fees that are in sharp decline,” said Mario DeLecce, Head of Financial Institutions at Array. “The speed at which banks and credit unions can make this transition depends on how rapidly they can create these new streams. We’re now providing the fastest path for thousands of institutions to make this happen.”

“It’s part of our mission to equip regional and community financial institutions with tools to help improve the financial health of their accountholders,” said Ben Metz, Chief Digital & Technology Officer at Jack Henry. “Embedding Array’s services into the Banno Digital Platform helps put banks and credit unions at the center for all things financial with their accountholders, from managing personal and business finances to spending and data protection.”

**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. Review the Summary of Benefits.

About Jack Henry & Associates®

Jack Henry (Nasdaq: JKHY) is a well-rounded financial technology company that strengthens connections between financial institutions and the people and businesses they serve. We are an S&P 500 company that prioritizes openness, collaboration, and user centricity – offering banks and credit unions a vibrant ecosystem of internally developed modern capabilities as well as the ability to integrate with leading fintechs. For more than 47 years, Jack Henry has provided technology solutions to enable clients to innovate faster, strategically differentiate, and successfully compete while serving the evolving needs of their accountholders. We empower approximately 7,500 clients with people-inspired innovation, personal service, and insight-driven solutions that help reduce the barriers to financial health. Additional information is available at

About Array

Array fuels financial progress for many of the world’s leading fintechs, financial institutions, and digital brands with a suite of private-label fintech solutions that can be easily embedded. Array drives engagement and revenue for our clients by helping them stand out in a crowded market and forge deeper relationships with their customers. More than a suite of products, we’re building a platform to help consumers own their financial future.

Array was founded in 2020 by Martin Toha and Phillip Zedalis. Key investors include Battery Ventures, General Catalyst, and Nyca Partners. To learn more visit



Mark Folk

Jack Henry

Director, Corporate Communications

(704) 890-5323

Kurt Foeller


Corporate Communications

(415) 488-6390

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