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Home > Products & Services > Core & ATM Processing Connectivity

Core & ATM Processing Connectivity

The Challenge

The cost for connecting a community bank to external processing services (Core and ATM) represents a significantly large portion of the bank's total telecommunication cost. Why? Bankers have traditionally not negotiated this cost component, as the reasonable price for a network circuit and router monitoring may have been unknown. Community banks that outsource core and/or ATM processing are dependent on a data circuit(s) connecting the bank and the processing data center. Unfortunately, since loss of data circuit connectivity is a fairly common problem, banks also require a failsafe backup circuit to come on-line during an outage. On top of these redundant circuits, some banks also pay for a dedicated router along with circuit monitoring, router maintenance and upgrades.

The BITS Solution

For the benefit of community banks, BITS has established connectivity between the BITS and Core / ATM processor data centers. Our solution is fully redundant without a single point of circuit failure between the bank branches and the core processor! Note: transporting multiple banks' core traffic across the same data circuit IS NOT A SECURITY ISSUE, as long as it is virtually separated. Not a single IT audited BITS customer has had a single finding or remark on the BITS processing connectivity. On the contrary, BITS customers have received improved performance ratio based on their added redundancy to processing connectivity through BITS.

Our customers benefit by not having to pay for dedicated data circuit(s) and router(s). Instead, core traffic can travel from the bank, through our data centers and then through BITS circuits to the Core / ATM processor. This aggregation model provides our customers with significant cost savings - up to 50%!

BITS customers only have to pay for the bank's required processing bandwidth rather than paying for a dedicated circuit, router hardware, and router support & maintenance.

BITS is SAS70 certified and follows FFIEC regulatory guidelines and best practices when designing the connectivity to the core processor's data centers. To date, not a single BITS customer has had a finding on their IT audits related to our service.

Several core / ATM processors offer community banks on the BITS network the ability to cut cost by sharing the same circuit and router connecting BITS to the core processor:

• Fiserv ITI (North East - Glastonbury)M
• FSI
• Jack Henry (OutLink & J-Connect)
• DDC
• Star (FirstData)
• 5th 3rd

BITS is currently connected to additional core processors which does not allow multiple banks' to share traffic between BITS and their data centers. Contact BITS to find out if your core processor has established connectivity with BITS or not.