• Automatically deduct funds from your business checking account-no need to write a check, show identification, or wait for check approvals.
• No monthly payments or finance charges (unless you utilize an overdraft line of credit).
• No need to carry extra cash or keep a lot of petty cash on hand with millions of acceptance locations and over 900,000 ATMs worldwide.
• Get authorization for immediate shipment of any mail, phone or Internet orders.
• Set variable daily limits on purchase and cash withdrawals to protect account from fraud.
• Request extra cards for your employees and preset spending limits.

• Get a receipt with every purchase to better keep track of spending.
• Set spending controls for employees.
• Reduce the need to use personal funds for business purchases.
• Receive detailed monthly statements for easy account reconciliation, expense reporting, and identification of tax deductions.

• View account statements
• Receive statements electronically
• View check images
• Pay Bills through Bill Pay
• View account balances
• Transfer funds between accounts
• Review account history and activity
• Make a stop payment
• Address change
• Change email address
• Password change
• Check credit card history
• Make credit card payment
• View credit card statements

• Balance inquiries and withdrawals
• Verify deposits including direct deposits
• Verify what checks have cleared
• Transfer funds between accounts
• Check debit and ATM activity
• Determine tax information on dividends earned
• Access another cross account (prior account set-up required)
• And more

Customer convenience is a priority for any business and Tampa Bay Federal Credit Union is helping you accommodate your customers through our Merchant Services Program. Our Preferred Partner, Electronic Merchant Systems lets you offer convenient, electronic payment methods to your customers while reducing the costs associated with credit card acceptance.

Not only will you realize the savings EMS offers on items like rates and fees, you can also take advantage of gift and loyalty card products developed to help you increase sales and improve customer relationships, giving you a competitive edge.

How will my business benefit?
You already know that you offer the best products or service to your customers, right? Why not also give them choices of how they pay? With our help, you can provide the simple convenience customers have come to expect when paying for your wares with their credit card. It’s easy, efficient and most importantly, will help you grow and manage your business.

The EMS difference
EMS works hard to bring you the best Merchant Services solutions available by providing a wide variety of products, services and expertise. All of this, supported by customer care available to you 24 hours a day, 7 days a week, means accepting credit cards has never been easier! Best of all, because you’re a Tampa Bay Federal Credit Union member, you get the benefits of low rates and additional savings.

New to credit card processing or looking to learn more?
EMS will take the extra time to help educate you about the basics, so that you can make the best decision for your business.

Are you tired paying multiple bills on fees and hardware?
Do you wish that you only had to pay one bill every month? EMS has taken the steps necessary to make your life a little easier by offering you package solutions. We will help you find the perfect fit for your business.

More Than Just Credit Card Processing:

• Visa, MasterCard, Discover, American Express, Diners and Direct Dining
• Debit Card Processing
• EMS eCheck - Check Verification & Guarantee Services
• eCommerce Solutions
• Customized Gift and Loyalty Card Programs
• Wireless Processing
• Retail Point-of-Sale Equipment
• Dynamic Currency Conversion
• Petro Program (Fleet)
• Payroll Services

Learn more:
It's time to find out how you can start saving, or increasing sales, today! For more information about EMS and the Tampa Bay Federal Credit Union Merchant Services program call 866.333.4877 or visit our partner at:
http://www.emscorporate.com/tampabayfed