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Merchant Processing

Streamline your payment processing operations.

Expand payment options and increase revenue.

Our merchant services enable your business to accept credit cards, debit cards, electronic checks, gift cards and other payment options that help improve efficiencies and boost your bottom line.
Perfect for you if:
  • You want to reduce payment risk.
  • You need purchase mobility.
  • You want to expand your customer base.
  • You want to improve revenue capture.

Credit Card Processing: In‑store & Mobile

Increase sales and streamline cash flow with card processing that accepts payments online, remotely or wirelessly at competitive rates with no hidden fees. Multiple authorization networks and transaction processing methods ensure timely, automatic deposits to your account.

Benefits

  • Dedicated sales staff support
  • National processing capabilities
  • Comprehensive 24-hour online reporting
  • Automated in-house chargeback/retrieval processing system with 24-hour turnaround
  • 48-hour merchant settlement (24-hour merchant settlement if going to a First Bank account)

Reconciliation & Reporting

Streamline your payment processing operations with a user-friendly, online management and reporting system. Its expansive database includes detailed transaction information that is available for 12 months, so you can evaluate your activity month-to-month, or season-to-season.

Benefits

  • Comprehensive activity reports
  • User controls to create customized reports
  • Ability to respond online to chargebacks and retrievals, and export to Excel
  • Reports for adjustment history, authorizations and merchant statements

Check Collection

Increase your business’ profitability with Verification and Check Guarantee and ReSubmitIt®. Verification and Check Guarantee reduces your liability, protects against losses and increases sale. ReSubmitIt® is an electronic check recovery service that significantly reduces the burden of collecting funds from NSF checks, while potentially doubling your recovery rate. You collect more returned checks and get 100 percent of the face value of all electronically collected checks.

Benefits

  • Reduce your liability from losses
  • Protect your business and enhance your profitability
  • Improve your recovery rate on NSF checks
  • Get 100% of all electronically collected checks
Real First Bank Stories
Meet Meherewan Irani
Executive Chef & Founder, Chai Pani Restaurant Group

“First Bank gives meaning to the words community, relationship and trust. They’ve been with us every step of the way as advisors, supporters and partners. With their help, we’ve already expanded to six businesses in just a decade.”

We specialize in your business.
Whether you’re a startup or big business, First Bank offers solutions perfectly suited to your financial needs. See how we can support your business goals.
Find Out More
Ready to get started?
How we work
Together
At First Bank, you’ll enjoy one-on-one attention and comprehensive support from our entire team of business experts. You aren’t just another number in a database — you’re a partner. You’ll also learn firsthand how powerful an independent bank can be — capable of delivering everything big banks can, without being a big bank.
Let’s have a conversation
Have questions about this service? Contact us today.

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