◎01
Customer information
Maintain a unified customer record with account relationships, profile details, documentation, and service history.
Express-O · Essential banking
Express-O
Core Banking System
Available today · For 1–2 operating units
Dependable core banking for financial institutions with 1–2 operating units and basic banking needs. Connect customer records, deposits, loans, teller work, and accounting in one system.
Dependability first
One connected foundation
for everyday banking.
Express-O remains available in the market, primarily for financial institutions with 1–2 operating units and straightforward banking operations. It brings essential daily work into a familiar, controlled system, supported by implementation, training, and ongoing service.
Designed forInstitutions with 1–2 operating unitsBasic banking operationsExisting Express-O customers
A practical fit for essential operations.
Express-O remains in the market for institutions with basic banking requirements, primarily across 1–2 operating units. Review product fit, your installed version, and support needs with our team. Any future move to Express-O 17 requires a separately planned transition.
Cloud SaaS is a delivery option for Express-O Core Banking, with hosting, security, support, and service responsibilities agreed for your institution.
Explore cloud SaaS delivery →The daily banking cycle
From customer service to the close of day.
Connected records help customer-facing teams, operations, and finance work within the same operating environment.
- 01→
Serve
Work with customer information, accounts, and service requests.
- 02→
Transact
Process deposit, lending, and teller activities.
- 03→
Control
Apply authorization, accounting, and audit controls.
- 04✓
Reconcile
Complete daily processing, balancing, and reporting.
Review supported workflows against your installed version and configuration.
Core operational capabilities
Built around the work
your institution does.
Connected capabilities support the complete banking lifecycle while giving teams the consistency and control to operate well every day.
↓02
Deposit operations
Support savings, current, time-deposit, and institution-defined products with controlled interest and transaction processing.
↗03
Loans management
Manage loan accounts from booking and amortization through collection, restructuring, past-due monitoring, and settlement.
◇04
Teller & branch
Process over-the-counter transactions with maker-checker controls, cash accountability, and branch-level visibility.
≡05
General ledger
Connect operational transactions to the accounting core for consistent books, trial balances, and financial statements.
✓06
Controls & security
Apply role-based access, approval workflows, audit trails, transaction limits, and operational controls.
▦07
Management reporting
Turn transaction data into operational, financial, portfolio, and management reports for better decisions.
⌁08
Implementation & support
Plan configuration, migration, training, and ongoing support around your institution’s essential operations.
Features & functions
Coverage across the
banking value chain.
01Customer & accounts
+
- Customer onboarding and profile maintenance
- Single customer view
- Account opening, maintenance, and closure
- Relationship and signatory records
02Deposits
+
- Savings, current, and time-deposit products
- Interest accrual and posting
- Fees, charges, holds, and account controls
- Dormancy and maturity processing
03Loans
+
- Loan booking and release
- Amortization and payment schedules
- Collection and delinquency monitoring
- Restructuring, penalties, and settlement
04Operations & finance
+
- Teller and vault operations
- End-of-day and beginning-of-day processing
- General ledger and financial statements
- Operational and regulatory data outputs
Let’s plan your next step
Bring your essential banking operations together.
Share your institution type, operating scale, delivery preference, and priorities with our banking technology team.
Discuss your requirements