Heritage First Bank, Member FDIC
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Business Banking

Merchant Services

     Heritage First Bank offers your business the opportunity for the use

     of Merchant Services through BancCard. BancCard is a company that

     offers transaction authorization, processing and network services to

     businesses accepting credit and debit cards as payments for your

     products and services. BancCard acts as the credit card merchant

     services division, check conversion to electronic media, verification

     and guarantee service for financial institutions in all 50 states.


     BancCard processes all major credit cards....Visa, MasterCard,

     American Express, Discover and Diners Club....and on-line and

     off-line debit cards. Other services include:  check guarantee,

     check verification, conversion of checks to electronic media,

     electronic gift cards, wireless solutions, next day availability of

     funds and internet-based processing of credit cards for internet



     If your business could benefit from the use of Merchant Services,

     please call one of our conveniently located branches for more



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