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Complete your bank’s tasks faster and easier with the Modern Banking Systems’ TotalTeller software. TotalTeller allows your staff to work smarter and service customers more efficiently.Continue Reading

Partnering with MBS

We believe in partnerships. We believe long-term partnerships are the key to a profitable, competitive, and successful community bank. We believe in success.Continue Reading

Celebrating 60 years of excellence.

Starting in 1964, our parent company, IBE, promised to provide exceptional customer service and unmatched products, services, and equipment designed specifically for community banks. Sixty years later, IBE and MBS are still keeping that promise.Continue Reading

Transform Your Bank

Partner with a company built on trust.


We believe in partnerships. We believe long-term partnerships are the key to a profitable, competitive, and successful community bank. We believe in success. Partner with us and you’ll put your bank in a position to turn goals into reality. Partnerships are at the heart of everything we do at MBS and they have been since starting the business in 1963. We’re driven by our mission to build trust and opportunity with our customers, and we have goals that can only be attained through a partnership. Read more about a new partnership
If it ain't broke

If it ain't broke

If it ain't broke, don't fix it. Right? We all know that change is hard, and a core conversion is even harder. It takes time, lots of it. Plus, you have to spend even more time getting to know all the players involved. Everyone from the back-office staff to the officers and executive team must be trained on the new core. Is the change and the risk worth it? Is it time for a conversation?
Total Teller

Total Teller

Increase customer satisfaction by empowering your tellers and with the MBS TotalTeller system. TotalTeller is fully integrated into the Essentia core so customer transactions are done in real time. Tellers also have real-time access to the customer database and check imaging applications. With TotalTeller, tellers can provide the level of service that creates satisfied customers. Discover what TotalTeller can do for your bank


More than a core, we're the whole package.
Young woman pulling paper out of printer closeup


LaserJet Printers from Modern Banking Systems/Interstate Business Equipment Unleash back-office productivity with industry-leading print technology and solutions. We have a wide range ofContinue ReadingPrinters

Why Change?

We recognize choosing your next core is one of the most important decisions you can make. We don’t take it lightly, and neither should you. MBS has the expertise and resources required to design a core solution that fits your bank's needs, giving you the time and confidence to focus on running your bank. A partnership with MBS can bring you the kind of satisfaction that can only come with the right fit.
Leading Core Provider

Leading Core Provider

MBS is a leading provider of core bank processing solutions. We know the daily challenges and regulations facing community banks. We believe that banks need to have the right services and technology in place if they want to retain customers and to compete in today’s marketplace.
Flexible Options

Flexible Options

MBS offers flexible options and products that will match your bank’s obligations, function the way you operate, and incorporate the work flow you prefer. In-house or service bureau, we have the solutions to fit your bank.
Customers Are Key

Customers Are Key

It's important to us that our customers are happy with the services we provide. One of our key company values is putting our customers first! We give every MBS customer and vendor the opportunity to tell us how we’re doing and how our services and products are working out by using the customer feedback form located on our website. Every comment and submission is reviewed by MBS directors on up. This feedback is used to improve our services, solutions, and customer experience.
Friendly Customer Service

Friendly Customer Service

Jay Randall, CEO, had this to say about MBS, "One of the things we love about MBS is that they’re always responsive to our needs. I can talk to a live person in hardware, customer service, programming, and management at any time. MBS knows the challenges that community banks face and even today, they’re making modifications so we can meet all the technology and regulatory changes."

The Core that Does More

For the past 60 years, IBE and MBS have been dedicated to helping community banks thrive and grow.
Our core banking solution streamlines bank operations and provides the foundation for your community bank. The way banks do business has significantly changed over the past several years due to technology advancements in core bank processing. We specialize in fully integrated, flexible, and secure core bank processing software solutions that meet the diverse demands of today’s community banks and their customers. Our innovative core banking solutions and responsive service strengthen your bank’s infrastructure, enabling you to deliver best-in-banking to your customers. The future of banking has arrived—are you ready?

Learn more

Awesome MBS Team

MBS Team

Sales and Marketing Team

Everyone says it, but in our case it’s true: our employees are the secret to our success. Everyone is amazing in their own right, but together they’re what makes Modern Banking Systems such a great place to work. 

The MBS employees are a talented group with a shared vision of delivering consistently great results for our customers, as well as ensuring the our company is an inclusive and challenging place to work. MBS has always been a company defined by bringing together people with a vision for helping everyone to be be the best for our customers.  

We’d love to hear from you.

Michael Cronin, CEO

Michael “Mike” Cronin, CEO

Interstate Business Equipment

Modern Banking Systems

Awesome MBS Team

Client’s Testimonials

Star and red stripe. FARMERS MARK WHITE LOGO

Mark White

Let me say one more time and emphasize, the MBS experience includes working with an impeccable customer service staff. They know you by name and you can ask for them by name. They care who you are. They will become part of your family. MBS is successful because they care about their customers.

I highly recommend Modern Banking Systems and I believe that they would be a great match for any forward-looking bank with a champion spirit.

Adams state bank logo.

Karl W. Gramann

I am pleased to recommend Modern Banking Systems as a core service provider. Our bank has been a client of MBS for more than 30 years. In 2018, we decided that we should spend more time with our customers and growing our bank so transitioning to Service Bureau from in-house was a good fit for us. Our partnership allowed us to grow from a $1OM bank to a $5OM bank. MBS has helped us through Y2K, cybersecurity, bank exams, IT audits, and now the pandemic.

bank president

Robert L Lyvers, III

It’s a pleasure to write in support of Modern Banking Systems. We have been a client of MBS since 1987. In the beginning, our goal was to have an in-house core provider and MBS was the best solution. We started out as a $12M bank and have since grown to a $265M bank. Just this year, we’ve grown $5OM. We feel we got more than just another computer system, we got an independent, one-stop shop who listens to us and gets things done. Over the years, our relationship with MBS has been nothing but positive.

Mason Bank logo.

Thom Canfield

Not all cores are created equal. Mason Bank knows that, and we believe that you should too.

Modern Banking Systems is a company that’s easy to work with and has friendly, helpful people willing to listen to our issues and help us work through them. Even their corporate culture is a lot like ours. We can say that since we’ve been a customer for over thirty years. When we started with MBS, we were a $35M bank and now, we’re a $121M bank.

Mainstreet bank logo.

Justin Douglas

In 2018, we made the decision to migrate from your in-house processing platform to your Service   Bureau solution, which my Board of Directors and I consider to be one of our best decisions for the bank. Making the “leap” to Service Bureau was not an easy decision considering the cost and our loss of control. However, when I consider the fact my trade area has a limited IT labor pool to secure and operate an in-house platform in today’s environment or provide sufficient personnel for business continuity purposes, then your Service Bureau solution becomes a cost-effective option for community banks. Similar to other banks and businesses, the COVID pandemic put business continuity plans to the test. Thanks to your Service Bureau staff, we did not have any operational issues from COVID-19.


Thank you for your interest in Modern Banking Systems and our core banking products, services, and equipment.

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