If credit card transactions are currently a part of your business, or need to be a part of your business, we can accommodate acceptance needs and help you increase your sales. Our bundled, tiered-rate pricing ensures that you won`t experience any “surprises” at the end of the month. Need someone to talk to? Community Bank provides the added advantage of personal local service to respond promptly to your merchant business needs.

Program Benefits

• LOCAL service


• Competitive pricing


• Your choice of equipment purchase or our affordable in-house rental program


• Easy to read monthly statements


• No hidden charges or fees


• No long-term commitments


• Wide range of programs and equipment available to fit every processing need

Things to consider when choosing a Bankcard processor

1. Get a full disclosure of all charges and fees in writing. There may be other fees charged in addition to the Discount Rate.

1. per item fees


2. per authorization fees


3. monthly statement fees


4. network fees


5. connection fees


6. minimum monthly fees


7. charge back/retrieval fees


8. annual fees


9. equipment fees


10. charges for supplies


11. long term lease agreements


12. interchange fees


13. deposit/batch fees


14. termination/cancellation fees

2. How often are merchants reviewed for pricing changes? How willing are they to lower the rate when your average ticket size changes? Do they raise rates annually without review?

3. If you are promised that some normal fees are being waived, is it in writing and for how long? What can you expect when the waiver period expires?

4. Are there any long term commitments that cannot be broken, or penalties for early termination, if you change your mind?

5. What level of service can you expect? Will you be able to talk to someone when you need help?

6. How often are processing fees collected on activity? Do they take fees daily or are you allowed to use the funds until month-end?

7. Is this an obvious loss-leader (fees so low they will lose money on the account), or sound too good to be true? If so, what services are you willing to give up to cover their loss?

Don`t let your first month`s merchant statement be your first clue to the total cost of bankcard services. Community Bank offers competitive, easy-to-understand pricing. Combine that with our great local service and you have a Bankcard program you can be happy with!

Contact your local branch today for more information and a current quote.