This paper describes the Intelligent Banking System (IBS), a family of applications developed for Citibank. New York, by Consultants for Management Decisions (CMD) to increase the productivity and effectiveness of English text message processing. These messages were previously processed manually. Data entry operators would read and analyze the message and then type information at a standard ASCII terminal interface. IBS applies a combination of natural language processing and -rule-based expert system techniques to analyze the message and to generate a formatted equivalent. IBS also provides a sophisticated intelligent user interface which aids users by applying the system’s domain knowledge to the interactive session.