First Commerce utilizes ACH Client, the premier acquisition tool for originated ACH transactions. This service features easy file set-up and supports split transactions, plus it automatically stores transaction information for easy retrieval. ACH Client is customizable and can empower businesses with the freedom to pay employees with direct deposit or allow associations to auto-debit their members. The ACH Client can be configured to meet each organization's needs while also tailoring security parameters to keep your money safe.

For more information complete the contact form in the right sidebar, talk to a First Commerce Business Services Representative, or visit any of our locations for additional information.

Let First Commerce's merchant services help you process point of sale payments quickly and securely with a variety of flexible payment acceptance options! We're committed to making life easier for your business.

• Debit and credit card acceptance
• Gift card programs
• Wireless terminals
• Mobile phone payment capability
• High-speed terminals
• Electronic benefits transfer (EBT)

We partner with First Data to bring you Merchant Services that help you stay ahead of your competition.

• Competitive rates
• Flexible billing
• Timely, accurate reporting
• Secure technology
• Established relationships with all major credit/debit card companies and fleet card vendors

Easy application process. Fast approval. That's how we say yes to local businesses.

For more information complete the contact form in the right sidebar, talk to a First Commerce Business Services Representative, or visit any of our locations for additional information.

Need a better way to manage your payroll? We'll handle the details so you can stay focused on what you do best: running your business! That's the power of having a local partner.

First Commerce can help with:

• Payroll processing
• EFT (Electronic Fund Transfer) checks
• Electronic pay receipts
• Leave accumulation and usage tracking
• Payment of employer/employee taxes/benefits
• Unemployment Compensation taxes
• Workers Compensation
• Payroll Deduction Investment programs

First Commerce also offers Payroll/Employee Prepaid Cards.

For more information complete the contact form in the right sidebar, talk to a First Commerce Business Services Representative, or visit any of our locations for additional information.

First Commerce credit cards and prepaid reloadable cards can help you manage different facets of your business, including easily managing employees' expense accounts. You can even earn rewards with our Business Rewards credit card.

For more information complete the contact form in the right sidebar, talk to a First Commerce Business Services Representative, or visit any of our locations for additional information.

Save time and get faster access to your money with Remote Deposit Capture from First Commerce! Remote Deposit Capture makes it easy to scan and deposit checks securely right from your office, giving you faster access to your funds.

• Extended daily deposit deadlines (7 p.m. every business day)
• Fast notification of returned items
• Competitively priced machines
• No need to purchase, install or maintain software
• Low monthly plan fee

We'll even give you the first 60 days of your plan for free!

First Commerce also offers businesses the ability to deposit checks on their mobile devices. Learn more about FCCU Mobile Deposit and apply.

For more information complete the contact form in the right sidebar, talk to a First Commerce Business Services Representative, or visit any of our locations for additional information.

Want excess funds invested at higher rates – automatically? First Commerce can sweep your excess funds to another account.

For more information complete the contact form in the right sidebar, talk to a First Commerce Business Services Representative, or visit any of our locations for additional information.

Wire funds to your accounts or a vendor's account! We offer same day domestic and international wire services.

For more information complete the contact form in the right sidebar, talk to a First Commerce Business Services Representative, or visit any of our locations for additional information.