Core Hosting & Item Processing

Unified core and item processing in one secure cloud—less infrastructure to manage, more efficiency where it counts.

Trusted by financial institutions nationwide since 1996.

Solution Overview

Unified Hosted Core & Item Processing is a fully managed cloud-based ecosystem designed for modern financial institutions. This integrated solution combines the "brains" of the bank (Core Account Processing) with the "hands" of the bank (Item Processing). By hosting these critical functions in a secure, third-party data center, banks and credit unions can eliminate the burden of managing physical servers, complex software updates, and manual check clearing.

Key Features & Capabilities

Managed ledger for deposits, loans, and general ledger functions with 24/7 accessibility and automated end-of-day processing.

How It Works

Deployment

Your institution migrates from on-premise servers to a private, hosted cloud environment managed by industry experts.

Transaction Entry

Tellers or customers initiate transactions (deposits, transfers, or loan payments).

Real-Time Processing

The hosted core validates the transaction and updates the ledger instantly, while the integrated item processor handles any physical instruments.

Automated Maintenance

All software updates, hardware refreshes, and security patches are handled in the background by the service provider without interrupting branch operations.

Benefits

Operational Efficiency

Simplified IT Footprint

Removes the need for on-site server rooms, cooling, and specialized IT staff to manage legacy hardware.

Seamless Integration

Eliminates the "silos" between your core account data and your check processing workflows.

Financial Impact

OpEx over CapEx

Converts unpredictable hardware replacement costs into a steady, predictable monthly subscription.

Scalability

Costs scale directly with your account volume—pay only for the capacity your institution actually uses.

Security, Risk, and Compliance

Exam-Ready Infrastructure

Our services are fully examined by federal regulators (including the FFIEC), ensuring that your outsourced environment meets or exceeds the same rigorous standards as an on-premise system.

Regulatory Peace of Mind

Automated audit trails and built-in compliance modules streamline your internal reviews for BSA/AML, Reg CC, and Check 21.

Resilience and Reliability

Enterprise Disaster Recovery

Our solutions meet strict Disaster Recovery (DR) and Business Continuity standards, featuring near-real-time data replication to geographically diverse, Tier III data centers.

Guaranteed Uptime

Benefit from a hardened environment designed for high availability, ensuring that your institution remains operational even in the event of local outages or regional disasters.

Who It’s For

Community Banks & Credit Unions

Institutions that want to redirect their internal resources toward lending and member services rather than IT maintenance.

De Novo Institutions

New banks requiring a fast-to-market, "bank-in-a-box" solution with zero initial infrastructure.

Growth-Oriented Regionals

Organizations acquiring other institutions that need a scalable platform to consolidate disparate systems quickly.

FAQ

How do we access our data if it’s hosted elsewhere?

You maintain full control via secure, high-speed encrypted connections, providing your staff with the same (or faster) interface experience as an on-premise system.

Is the transition disruptive to our customers?

No. Most core migrations are scheduled as "weekend conversions" to ensure your customers have seamless access to funds and digital services on Monday morning.

Can we still use our existing scanners and hardware?

Yes. Our hosted solution is designed to be hardware-agnostic, supporting most industry-standard check scanners and teller peripherals.