Merchant Services

Business Banking

Business Merchant Services

Through a business partner, we offer a full range of merchant services allowing your business to accept credit cards, debit cards, and commercial cards. You may even obtain a check verification that guaranties you payment protection. A great way to grow your business is to offer your customers a variety of payment choices.

Merchant Services Update Contact Information

Effective 3/1/2022, all dispute paperwork, including requests for receipt copies and chargebacks, will be sent electronically to the email address that is on file for your merchant account. This change is due to reduced timeframes for merchants to respond to customer disputes.

To update contact information, please fill out the form below. This ensures the email address on file is current. Each merchant account is able to maintain only one email address.

For your convenience, they included a notice of this change with your January 2022 statement. Thank you for your continued business.

Service Charge Schedule

The “Discount Rate” is a charge based on a percentage of your credit card sales. This rate is established and customized for each individual merchant. The rate is based on the historic and or projected volume of credit card business.

For more information or to set-up an appointment with our Corporate Merchant Services Division, please call (308) 632-7004 or the Toll Free Number (888) 632-7004 in Scottsbluff, NE, or send an email to

Effective July 1, 2020 our Funds Availability policy will be changed to the following: We are increasing the amount we make immediately available for withdrawal by checks not subject to same day availability from $200 to $225. In addition, the amount available for withdrawal on the second business day after the day of your deposit for large deposits, will increase from $5,000 to $5,525.  

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