DBQ_SBBusiness Banking Brochure

Private Label Gift Cards Considering a gift card program or looking to move from cumbersome paper gift certificates to cards? American Trust can provide gift and loyalty card programs for small to mid-sized merchants. Closed loop cards are cards that may be used strictly within one business or a network of businesses. The benefits of a gift card program range from increasing sales volume to brand awareness to easy usage. Detailed reporting helps you easily keep track of your gift card program. Positive Pay As technology advances every day, it becomes easier and easier for criminals to create legitimate-looking fraudulent checks. Positive Pay is a system designed to stop any fraudulent items from clearing your account. Under this system, you will provide us with an issued checks file any time you have a check run. We load the file into our system, and compare each check that clears your account. If a check does not match, we present it to you for review and validation. If it is fraudulent, we will return it. ACH Debit Block While positive pay will protect your account from check fraud, debit block will protect it from electronic fraud. Once your account is set up on debit block, we will only allow ACH transactions to post if they are from recognized entities. Any entry that does not meet the criteria you have given us is rejected. We then notify you and validate it. If it is fraud it is returned as an unauthorized entry. ZBA Front Account With a ZBA front account in place, you use this account for all ACH and electronic activity. You continue to use your regular account to issue checks. In the event there is any fraudulent activity in the ZBA account, the fraud can be dealt with and your regular account can continue to operate without interruption. ID TheftSmart ® Even when taking precautions, identity theft is a growing risk. With ID TheftSmart ® , you can breathe easy! If your company has a data breach, this affordable service will step in as your advocate, fully committed to monitoring the credit activity on the compromised data to enable your company to restore consumer confidence as quickly and efficiently as possible. This service provides a licensed Fraud Mitigation Tools

and assigned to a specific vendor for use with recurring orders—for example, inventory purchases. Purchases for each vendor are itemized on separate statements and all vendor transactions roll up to your corporate billing for one efficient payment. Plus, you earn one point for every dollar in net purchase volume. Merchant Payment Processing Accepting credit, debit, and prepaid cards maximizes sales and profits. Utilizing American Trust to process payments adds the highest level of personal service and customization. Credit and Debit Card Processing We tailor programs to fit the needs of various retail, service, and manufacturing companies. Increase sales by adding convenience for your customers, reduce your cost of accounts receivable, and speed up the collection of your payments. Reduce your risk of fraud and expense with chip cards and mobile payments enabled with EMV (Europay MasterCard and Visa) and Near-Field Communication (NFC) capable equipment, such as Apple Pay. Our merchant processing professionals will help you decode the fast-changing world of payment processing to reduce your risks and improve sales with: • EMV chip card and NFC contactless terminal payments solutions for all retail businesses and restaurants • Wireless POS terminals (EMV/NFC ready) for: –Table service restaurants –Businesses with processing needs on the go • Mobile phone and tablet processing solutions • PC credit card software compatibility • E-Commerce virtual terminals and third-party processing software with shopping cart for: –Online card sales –Mail order and telephone order processing –Home-based businesses –Business-to-business transactions Kineticpay™ Kineticpay™ is your all-in-one point-of-sale and business management solution that helps you run customer payments, business inventory, and sales and marketing. Our competitive pricing and monthly payment option make Kineticpay affordable for any business. Whether it’s on-the-go payment convenience you require or a fully integrated countertop solution, this system has you covered.