Merchant Services

The First Citizens National Bank offers credit card transaction processing services, including transaction authorization, processing, and settlement. Benefits of a First Citizens merchant account include:


  • Additional Sales - Prominently displaying Visa® and MasterCard® logos attracts new customers and increases the average ticket size for existing customers.
  • Reduced credit risks and losses - Merchants can offer credit to their customers without assuming the risk, if they comply with industry rules and regulations.
  • Supplemental credit options - Acceptance of Visa® and MasterCard® is a good addition (or alternative) to the merchantís private label credit plan.
  • Convenient for tourists and business travelers - Card acceptance is an additional option of payment for travelers.


First Citizens offers a variety of competitively priced processing options to suit each merchant's individual needs.