Merchant Services

Partner With Your Local Bank
 ...The People You Know and Trust

We would like the opportunity to discuss our Merchant Services Program with you, whether or not you already accept credit and debit cards at your business.  We offer competitive rates and first-class personal service.  If you currently process with another provider, let us conduct an effective rate analysis and see what we can do for you.

For more information, including rates and fees, contact your Branch office. We look forward to hearing from you.

Processing Solutions Include

üElectronic Ticket Capture
üWireless Terminals
üPC/Internet Processing
üARU Touch Tone Telephone

Features Include

ü24 hr Settlement of Funds
üAcceptance of Visa®,Mastercard® and Discover® cards included
üPIN Debit Processing
üHelp Desk Support, 24/7
üSimple Rate Structure
üNo Hidden Service Fees
üOnline Access to View Activity


Can I accept American Express Cards?
You may apply to American Express by calling 1-800-874-8848.

What is the discount rate?
The discount rate is the percentage rate of each transaction that the processing companies such as Visa, MasterCard and Discover charge for transaction processing. The actual charge is determined by the way the transaction is processed, such as Swiped, Hand Keyed or ARU.

What is the Address Verification System?
The Address Verification System, also known as AVS, is used for merchants processing mail, telephone and Internet purchases. The merchant is prompted to enter the customer’s home address. The AVS system compares the address received to the actual address on the card.  If the address information does not match, the AVS system will detect that for you. This feature provides security for the merchant by alerting the merchant to a potentially stolen card.

How will I get my money?
Your funds will be deposited in the designated account appearing on your Merchant Application.

Will I receive a statement?
Yes, you will receive a monthly statement that will break down day-to-day sales volume and associated processing fees.

What is PCI/DSS Compliance?
The National Network requirements to ensure that all companies/merchants that process, store or transmit credit card information and maintain a secure environment.  All merchant equipment and third-
party processors capturing cardholder data must be compliant and certified. Standards can be found at