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Essentia Core Platform

The Modern Banking Platform:  Essentia – The only modern core platform you’ll ever need to succeed and to improve your bottom-line. 

Modern Banking Systems’ one company for all of your needs concept provides all of the technology needed for a fully integrated, real-time core data processing platform solution for your community bank. We’re dedicated to working in partnership with the community banker to provide a total real-time core processing solution that includes complete support of hardware and software platforms. MBS is one the top bank software providers for community banks.

One company for all of your banking needs!


Essentia is our real-time core bank processing software that supports community banks coast to coast. Essentia supports community banks with market-leading in-househostedservice center, and service bureau core processing solutions. Our core represents the latest innovation in core banking technology. It’s a fully integrated, flexible, and secure core solution for data processing in banks. With extensive research and development, our software designers have structured Essentia for today’s community bank.

Essentia was created to power community banks.  Essentia is a progressive, flexible, user-friendly core processor that gives you complete control of your banking needs. Your core banking system empowers the success of your customers, employees, and bank. And with Essentia, you’ll have the control needed and the flexibility to access and manage all of your bank’s information.

Essentia provides the right products, improves operations, reduces costs, and mitigates risk (we understand banking regulations and compliance issues) while allowing you to view all of your customer’s data, relationships, and transactions in a real-time environment. Essentia is a browser-based, on-line real-time banking solution that will provide you with the competitive edge to lead in today’s financial marketplace. It’s a system that’s scalable, straightforward, as well as cost-effective.

MBS provides a value that the competition does not. Their core has proven to be a great value for the money. We found that the MBS core was considerably easier to use than our previous core and we get much better service.


Essentia core software provides complete accounting packages in an open systems technology environment. Our application software is portable; therefore, migration to a more powerful platform does not require the repurchase of new application software. This provides equity protection of your investment. In fact, MBS has never recharged a customer for application software purchased from us and there are no annual license fees.

Our goal is to improve your bank’s efficiency, save you money, and keep you competitive by integrating the latest technologies. Essentia is one of the industry’s finest complete core solutions, and it comes with the MBS commitment to product, security, and support excellence. Moreover, we offer unequaled customer service to help you resolve issues quickly and help you realize opportunities. MBS is your technology partner that provides integrated solutions either in-house, hosted, service center, or service bureau.

Essentia core includes:

Essentia Add-ons:

  • TotalTeller
    • TotalTeller Loan Verification and Review
    • TotalTeller Equipment
  • Integrated Imaging Suite
  • Query Report
  • Customer Profitability
  • Customer Experience-Deposit Platform
  • Customer Account Analysis
  • Loan Platform Upload
  • PDF Core System Reports
  • Telephone Banking
  • E-statements

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