Merchant’s PACT Merchant Processing Program

FCB’s Merchant’s PACT program helps businesses save money, gain protection, and obtain control of their processing rates and fees.

We make it easy:

• No switch obligation – we can improve your pricing with your current processing company
• Competitive bid evaluations and negotiations.
• No new processing equipment or solution required – access to any type of POS solution (tablet POS, integrated POS, wireless terminal, terminal, mobile, ecommerce)
• Protection against price increases and billing errors – your monthly processing statements are audited to ensure there are no rate increases and check for billing errors
• Reimbursement negotiations with your processor, so you get money back for inaccurate fees.
• Service escalation – talk to real people when you need help.
• Customer notifications of necessary security and equipment updates.
• No effort or time on your part – we manage your processing relationship.

Often, we are able to negotiate lower fees with your current provider, so unlike traditional merchant service companies – you are not forced to switch providers. It’s easy and it’s FREE! Simply bring your monthly processing statements to us for a FREE analysis. If we are not competitive with your current provider – we will tell you!

Click here to email a Business Banking expert!

Special Promotion!

Sign up with FCB’s merchant processing and receive FREE Card Processing Equipment! Offer valid through December 31st.

Sign up and receive:

• NO application fees
• No Setup fees
• Free Card Processing Equipment (valued between $135 – $1,500)

Stop by any FCB Banking Center or email businessbanking@fcbheartland.com for more information.

*Promotion available for new Merchant’s PACT customers who sign a merchant processing agreement. Equipment options vary based on annual processing volume. Processing statements required. Limited equipment options available if statement is not provided. Equipment features and functionality vary based on device. Accounts are subject to approval. Selecting a Merchant’s PACT point-of-sale solution does not convey or guarantee approval. Equipment is shipped after the application is approved. To be eligible, merchant must: (1) apply for an account; (2) be credit approved by December 31st, 2024; (3) activate account by submitting a batch of $25 or more in sales within 60 days from approval date or customer will be charged for equipment. A monthly minimum charge applies when total transaction fees and per-item charges are less than $25 per month. Offer not valid with any other offer and subject to change without notice. Requires a 3-year contract, full cost of equipment early termination fees apply. Standard rates and fees apply. All other terms and conditions apply. Offer expires December 31st, 2024.