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Merchant Services

There are more than 690 million credit cards in use domestically. Each day you do business without accepting credit cards is another day you miss out on building your business and increasing your cash flow. If you are a homeowner or condo association, click here for a program created with your specific needs in mind.

For all other business customers, First Southern Bank and our strategic partner, Charge Card Systems, provides everything required to process credit card transactions, including a merchant account and the proper processing equipment or software.

First Southern Bank and Charge Card Systems make it easy!

  • Application is simple, fast and free
  • Free set-up and employee training
  • Processing powered by First Data
  • 24/7 customer help desk
  • 24 hour funding
  • Online merchant and deposit reports
  • All major credit cards accepted
  • Debit, ATM, EBT, gift cards and more
  • Check verification and guarantee
  • Electronic check conversion

Varied Transaction Types

  • Mail and Telephone

The software and traditional terminals will allow you to manually key in your mail and telephone order transactions securely. The address verification system provides credit card verification and security eliminating fraud and chargebacks.

  • Internet Weblink

Accept major credit cards for products purchased on your website. The system will grow with your business by supporting an unlimited number of transactions, any business model (Internet, call center, broadband, wireless and retail) with an unrestricted number of users with one account.

  • Virtual Terminal

Process and manage credit card transactions and checks manually from any computer that has an internet connection, web browser and a user ID and password. Give your customers the payment option for products purchased on your website.

  • Recurring Billing

Easy-to-use automated billing of recurring amounts via virtual terminal.

  • Check Services

    • Check Verification

Verification allows you to access the Nationwide Negative Database to verify negative information regarding a particular check-writer

    • Check Conversion

Convert paper checks into electronic deposits within 48 hours with the most powerful check conversion service in the industry

  • Debit Cards

Enjoy significant savings in monthly Visa® and Mastercard® processing fees. Using a secure Pin Pad attached to your existing terminal, each transaction will prompt the card payer to enter a personal PIN number turning the credit card transaction into a debit card transaction.

To sign-up for merchant services click here