Community banks face increasing pressure to deepen commercial relationships, grow deposits, generate non-interest income and differentiate themselves in an increasingly competitive marketplace. Yet one of the most overlooked opportunities to support all four objectives too often receives less strategic attention than it should—merchant services.

Most business owners aren't waking up in the morning excited to review their merchant statements. They're focused on other priorities that come with running a business. If everything appears to be working, it's often good enough. But that's exactly what makes payment processing such an interesting expense category.

Credit card surcharging isn’t uncommon. But it’s not open-ended. There are clear parameters often overlooked by even the best run businesses.

Small inefficiencies in your credit card payment systems can quietly add up. Learn why “good enough” may be costing your business more than you think.

March is known for busted brackets and unexpected upsets. In business, unpredictability isn’t nearly as entertaining. As card brand monitoring increases and programs evolve, even small configuration gaps can carry more weight. This month, we explore why clarity and structure matter more today than they did just a few years ago.

OTM Payments has been selected by Five Rivers Bank as its credit and debit card processing partner and will deliver customized electronic payment solutions for the bank’s commercial customers.