In your business, smooth transactions mean profitability.

We can help take the work out of credit card transactions, giving you the freedom to grow your business.
First Citizens National Bank Merchant Services is your answer to increased revenue, increased customer loyalty and increased value for your business! First Citizens National Bank and The NOVA Network have partnered to build a payment processing solution that meets your business needs.
The NOVA Network powers your business with industry leading payment processing, and a fully redundant back-up network, rated number one by MasterCard® for authorization speed and reliability.
Take advantage of the benefits that First Citizens National Bank and the NOVA Network have to offer.

• Increase Revenue - Customers who can use credit cards generally buy more than those who are limited to cash payments.
• Increase Loyalty - With the Electronic Gift Card program, loyal customers will buy gift cards for new customers who spend more than the value of the card 61% of the time. Refunds or credits can be placed on a gift card and bring customers back to your business instead of letting cash walk out the door.
• Increase Value - The NOVA Network is your one stop shop for all payment processing needs: credit cards, debit/ATM cards, American Express®, Diners®, checks and more through terminal, PC or wireless solutions. NOVA has enhanced reporting capabilities to provide you easy access to your transactions either at the point of sale or through your desktop.
• Echeck Services - Over 19 million checks were written point of sale in 2003 with costs of handling and fraud losses. Electronic Check Services converts paper checks to "electronic checks" allowing merchant to receive authorization as in credit/debit cards.

Our range of products and services offers flexibility, compatibility and support for card processing. Whether you're in retail, run a restaurant, in the lodging business, or are in direct marketing or the Internet, we have a custom solution for your business.
If you are interested in accepting credit cards or looking to enhance what you currently have, then you have come to the right place. Partnering with First Citizens National Bank and the NOVA Network means more money in your pocket, more loyal customers and the value of knowing you are working with two industry leaders. For more information about Merchant Services contact our Electronic Banking Center at (877)809-4890 or (731)288-4584.