Community Banker is not a core accounting system but provides member accounts, internet banking for members, and, administration and call centre access via web intreface. It provides for SMS gateway integration for SMS notification and two factor authentication, batch interfaces for banking, accounting system up-loads and ACH integration. It is intended to be used with an existing off-the-shelf accounting system that supports batch import and export. Community Banker is designed to be hosted for easy installation and minimal training by savings and loans/ community bank /credit union staff.