Merchant Services

Does your business need to be able to accept credit and debit cards? In today’s competitive marketplace, accepting a credit or debit card is a must. We can help!

We can service Retailers, Restaurants, Hotels, Mail & Telephone Order Merchants, Business to Business, In-home Business, and Internet Merchants. Our partner, BancCard of America, Inc. 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 Card
  • Wireless Solutions
  • Next Day Availability of Funds
  • Internet-based Processing of Credit Cards for Websites


Go Mobile

VirtualMerchant Mobile gives you the ability to accept payments anywhere you go using your smartphone or tablet. The App works with most Apple® and Android® mobile devices. You can easily key-enter payment information or choose to add a secure card reader to accept swiped transactions. Customers simply sign the screen and an electronic receipt is emailed to them.

VirtualMerchant Mobile is ideal for any size business needing to process transactions on the go. It can also be used at your location for payments during peak sales seasons, essentially creating a new payment terminal without the added expense. You can even capture and store Purchase Description, Invoice Number and Address details to provide detailed insights into payment activity.

Merchant Source Capture

Too busy to get to the bank? We know you are busy running your business and getting to the bank to make a deposit is not always possible. Your problem solved with our Merchant Source Capture solution.

Your business can enjoy the convenience of making deposits electronically 24 hours a day, 7 days a week, even on weekends and holidays!**

Merchant source capture utilizes a desktop check scanner that connects to your PC and the Internet. With it, you can scan checks received from customers and issue deposits electronically to BNA Bank, anytime day or night. It’s the fastest way to turn check deposits in cash.


  • Faster funds availability
  • Issue deposits 24 hours a day
  • Save time in preparing deposits
  • Save money by cutting down courier costs and trips to the bank
  • Reduce risk of check fraud
  • Easy to use

** You may make deposits at any time, day or night. However, in order for you to receive credit for that deposit that day, the deposit must be received by 4:00 p.m.

To sign up for Merchant Source Capture contact your BNA Bank loan officer (or any loan officer) to learn more and get an application. 

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