Online Banking Users: We have updated our online banking login. When you click the "Online Banking" button in the upper right corner, there is no longer a pop-up window. It now links directly to our login landing page instead.

Merchant Services

Merchant Credit Card Processing

By offering credit/debit cards as a payment option to your customers, you can:

  • Expand your customer base
  • Reduce your check losses
  • Increase your cash flow

Merchant Credit Card Services allows you to accept VISA®, MasterCard®, Discover®, and American Express® credit cards from your customers.

Through our association with a third-party processor, we can offer you these options:

  • POS terminals
  • Smartphone sales
  • Internet sales

Service Charges

  • The monthly fee is a percentage of sales (discount rate), plus passed-through card interchange fees.
  • If a cardholder disputes a charge and is successful, the charge-back fee is $25.00.

Equipment and Set Up

As a merchant, you have a wide variety of choices in the equipment you choose to purchase. Depending on your business needs and the equipment you choose, the set up time is 5-10 business days. There is a one-time setup fee of $25.00.

Cash Flow

The proceeds from your credit/debit card sales are deposited into your First Citizens deposit account within two business days of the transmission of the sale.

Please contact us if you would like additional information and/or if you would like to set up Merchant Services for your business.