Practitioner commentary on core processing contracts, vendor negotiation, and the realities community banks and credit unions encounter when sitting across the table from Fiserv, FIS, Jack Henry, and the others. Written for executives who would rather have the real answer than the polished one.
The OCC issued a Request for Information about community bank engagement with core service providers in late 2025. Here's what changed in the negotiation environment as a result.
Continue ReadingTwo separate fees apply when you leave your core processor. They are calculated differently, negotiated differently, and routinely confused. The confusion is operationally useful for the vendor.
Continue ReadingThe standard advice says begin reviewing your core processing contract one year before expiration. That advice is wrong by half — and the difference can cost a community bank six figures.
Continue ReadingThe seven contract clauses that quietly drain millions from community banks — and what to do about each one. From a firm that has read more core processing contracts than most CFOs ever will.
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