Collection and Merchant Services

MEA Financial Merchant Collect

This service is great for businesses that use MEA Merchant Collect service to collect on NSF checks less than $2,500 that were written in the previous 180 days. Collection is done by ACH transactions strategically timed to coincide with typical paydays. Then, the funds are directly debited from the account of the person who wrote the returned check.

Merchant Services

Give your business the ability to accept credit card and debit card payments whether it's retail, mail order, telephone order, or internet related. We provide processing for Visa®, MasterCard®, American Express®, Discover®, Diners®, Carte Blanche®, JCB®, and debit networks. There's no application fee, and set up is free! Services include:

• PIN-secured and signature debit
• Credit card services
• Check services
• Hospitality solutions
• EBT (Electronic Benefits Transfer)
• Virtual terminal/gateway/web-enabled services
• Wireless services
• Gift cards
• Purchasing and commercial cards
• Payroll card
• Fleet cards
• Virtual reports

Positive Pay

Reduce the possibility of check fraud at your business with positive pay. Submit your check register to First National, and we'll only clear the checks that are approved. Check statuses can be downloaded out of Business Online Banking into your accounting software to reconcile your account.

For more information about any of these services, please contact us.

EDI Reporting

Receive a daily report of incoming ACH transactions with detailed EDI and addenda record information attached. The report can be sent in a secure file to upload into your accounts receivable software.