No offense "phynny" but involving a local bank in your card processing is the last thing you want to do. I made that mistake. It's called third party processing. The bank tacks on a fee, on top of what you would normally expect. Through my bank I was paying 2 to 2.5 times the fees I was used to seeing. I should also mention that First Data was the carrier, who by the way is the absolute worst!!!! I would never use them again even if they offered to do it for free.