You will not find a published price list on this page. A flat rate for core processing negotiation either overcharges the smaller engagement or underdelivers on the larger one. Our fee is built to your situation — and guaranteed against the savings we identify.
Before an engagement begins, we complete a no-fee review of your current contract and invoices. We tell you what institutions of your asset size are paying for comparable services from the same vendor. We tell you what we believe can be recovered through negotiation. And we quote a fee structure tied to that number.
If the savings we identify are not substantial enough to justify the work, we will say so. We would rather decline an engagement than produce a marginal result. If we accept the engagement and fail to meet the savings target, you do not pay the fee.
It is a model that requires us to be honest about what is achievable before we ever sign anything. That honesty is the entire point.
A $150 million community bank negotiating a $40,000 monthly contract is a different engagement than a $1.2 billion institution with a seven-figure annual spend. The fee reflects the scale of the opportunity, not a one-size formula.
Fiserv Premier, Jack Henry SilverLake, FIS Horizon, Symitar — each vendor negotiates differently. Our pricing data on some platforms is deeper than others, and the leverage available varies. We price accordingly.
Are we negotiating only the core? Or core plus digital, plus card processing, plus ancillary systems? Broader scope means more dollars on the table — and more terms to negotiate simultaneously.
An institution with twenty-four months of runway before contract expiration has dramatically more leverage than one with six. The engagement looks different in each case. The fee does too.
A straightforward renewal is not the same as a renewal during an M&A process, a pending migration, or a vendor-initiated forced upgrade. Complexity drives the scope of the work — and is factored into the quote.
Whatever the fee structure, the work is the same. Our engagements span four sequential phases and conclude only when you have signed an executed contract and verified your first month's invoice against the terms you negotiated.
Once a client, always a client. Former clients may call at any time for ongoing contract questions or reviews — at no additional fee.
The 30-minute call costs nothing and carries no obligation. But it is most valuable if one of the following is true for your institution:
We will respond within one business day to schedule a 30-minute call. Everything you share is held in strict confidence.
Prefer to speak directly? Call Joe Chimera at 858-205-0088.
Every engagement is priced to the specifics of the contract under review — asset size of the institution, vendor, contract value, scope of services, and complexity of the negotiation. We quote a fixed fee or a contingent fee before any engagement begins, with a guaranteed savings target. If we do not meet the target, you do not pay the fee.
Nothing. It is a no-obligation conversation. We review your current contract, tell you what institutions of your size are paying for comparable services, and let you decide whether the savings we identify are worth pursuing.
We offer both fixed-fee and contingency structures. The right model depends on the engagement. For smaller institutions or more straightforward renewals, a fixed fee is often cleaner. For larger contracts with meaningful savings potential, contingency pricing aligns our incentives directly with your results. We will recommend the structure that makes sense for your situation.
They will. In three decades of doing this work, we have not encountered a core processor that refused to move on any of the seven key cost and contract terms we target. The question is not whether they will negotiate — it is how far. Our guarantee is tied to the savings we believe are achievable at your institution's specific engagement.
Yes, implicitly. If the savings we can realistically identify do not substantially exceed our fee, we will tell you so on the initial call and decline the engagement. Our guarantee only works if we take on engagements where the math is clearly in the client's favor.
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