Merchant Services

Everything you need to make your business successful.

Merchant Card Services

We are proud to partner with Total Merchant Concepts (TMC), to provide debit and credit card processing. We chose TMC because of their commitment to providing great service to our business members. Plus, they have competitive rates, low set-up costs, and monthly fees to make card processing affordable. If you need any support, TMC is just a phone call away. Give our business services team a call or visit this page for more information.

Benefits of our service:

  • Month-to-month contract
  • Credit & debit card acceptance
  • Affordable terminals
  • Web-based virtual terminals
  • Delayed or real-time web authorization
  • Wireless and mobile options for home-based or mobile businesses
  • EMV & NFC Solutions (Chip & Pin and ApplePay)
  • Electronic check processing (verification/guarantee/ACH conversion)
  • Accounting and POS software options
  • Compatible with most networks, registers and terminals
  • Business GROWTH tools
  • Non-Profit / Auction Assist

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Remote Deposit Capture

Neighbors FCU Check capture save your business time and money.

Now you can make deposits conveniently and efficiently – right from your office! Scan checks
And send the images via a secure Internet connection right to your Neighbors business checking account.

Neighbors FCU TranzCapture system is a next-generation platform of remote deposit services designed to deliver an unprecedented level of system inter-connectivity. The platform is built on best-in-class technologies and the latest security protocols replacing aging solutions developed a decade ago in response to the Check Clearing for the 21st Century Act

Benefits and features:
  • Deposit multiple checks at once from the convenience of your desk
  • Save time and money by not having to travel to a branch to make a deposit
  • Review electronic check copies online
  • Larger check deposit limits compared to mobile deposit
  • Unlimited check deposits until 4 pm CST
  • Deposits made before the cutoff time are credited the same day
  • No stringent hardware or software requirements
  • Support services to answer questions and installation
Service Fees:
One time, upfront setup fee per RDC Agreement
Software and Scanner
Pricing may vary
Monthly RDC Fees
Software Access Fee
Additional Scanners or Accounts
Return Item Fee
Requirements and Special Conditions
  • Application, credit approval and underwriting required
  • Business must maintain one or more depository account with Neighbors FCU to accept payment of funds made by business
  • System requirements must meet specifications
  • Secure internet access
  • See Remote Deposit Agreement for full details
System Requirements
  • PC must use Internet Explorer (IE) 10 or 11 or Google Chrome to access the website
  • Scanner must be able to support the installation of Ranger Driver

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Positive Pay

Positive Pay provides daily monitoring of check activity to prevent loss due to fraud. Neighbors FCU Positive Pay allow you to control the paper checks that post to your accounts. You authorize checks in advance based on check numbers and amounts. If a check is presented and does not match your acceptance criteria, the item will be presented for your review via commercial online banking and you can decide to pay it or return it.

Beneficial Ownership

Effective May 11th, 2018, financial institutions are subject to new rules under the Bank Secrecy Act that will aid the government to help combat acts of terrorism and other national security threats.

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