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Merchant Services

ACCEPT CREDIT AND DEBIT CARDS WITH TRANSFIRST®

Does your business accept credit and debit card payments? If you don’t, why not? You could be missing out on potentially higher sales and revenue. If you do, are you paying too much for rates and fees? You could be saving money every month. We have teamed up with TransFirst®, one of the nation's leading providers of payment processing services, to offer you innovative, money-saving payment processing solutions that will help your business grow and succeed.

Customized Payment Processing Solutions for Your Business

Whatever your business model — traditional POS retail, mobile, mail/telephone order, e-commerce or any combination — we can customize a payment processing program that includes everything you need.*

Our services include:

  • Ability to accept all major credit and debit cards, plus ACH processing and check verification
  • Next-day funding available
  • Multiple authorization networks and transaction processing options
  • Quick and easy electronic application process
  • 24/7/365 U.S.-based merchant support
  • Comprehensive 24/7 online reporting

Plus … Accept American Express® Card transactions at the same rate as other payment
cards — American Express Cards can potentially bring in new business and help
boost your bottom line. And it's all through TransFirst, with one statement and one point of contact!

Payment Processing Savings, Choice and Security

Our innovative product offerings include:

Transaction Express®: Complete online payment processing management system and payment gateway gives you complete control of your credit and signature debit card payment acceptance, wherever you are. Capabilities include:

  • Real-time transaction processing
  • Recurring billing with tokenization for both one-time and recurring (automatic and manual) payments
  • Direct swipe via USB with no additional software

Click here to find out more.

TransLink: User-friendly Internet-based reporting system helps you manage payment processing from any web-enabled PC. TransLink includes:

  • Comprehensive activity reports that provide access to all payment card transactions
  • User controls that allow merchants to create reports based on the information they need
  • Online response to chargebacks and retrievals

Mobile Processing: Take your business directly to your customers with mobile processing solutions for your Apple® and Android® mobile devices. You can process all major credit cards, plus signature debit cards, and choose from multiple payment program options to suit your budget and processing volume. Features include:

  • Single-screen entry for speed and convenience
  • Secure connection and transmission via SSL
  • Verification or decline notification within seconds

TransFreedom®: Accept credit cards simply and affordably. TransFreedom combines a number of monthly charges into one single low monthly fee that’s less than the cost of the individual fees. It’s serious savings made simple:

• No hidden fees – statements clearly explain all charges
• Merchant’s choice of fee tier based on monthly processing volume
• Cost flexibility allows merchants to grow and still maintain low fees

Data Breach Security Program: This program offers you financial protection in the event of a security breach, saving potentially hundreds of thousands of dollars in fines and related expenses – all for a low monthly fee. The program covers:

  • An industry-mandated audit for a suspected breach
  • Card replacement costs and related expenses
  • Industry assessments and fine

You’ve worked tirelessly to build your business. Why not enjoy state-of-the-art payment processing with the financial institution you trust? Ask your business development representative for more information about our payment processing program with TransFirst. 

For more information, please visit your local branch.  
Credit Card Logos

*All merchants subject to credit approval. Some restrictions and exclusions apply. All offerings are subject to change or discontinuance at any time.
‡Merchants eligible to accept American Express Cards directly through TransFirst are those that process less than $1,000,000 in American Express annual charge volume. Certain restrictions and exclusions may apply.
Trademarks are the property of their respective owners and are not necessarily affiliated with TransFirst.

TransFirst is a third-party provider of merchant services. 

We put the bank in your office.


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Help for Homeowners
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The Divisions of New York Community Bank

Queens County Savings Bank​

Established on April 14, 1859 in the village of Flushing, Queens County Savings Bank was the first savings bank chartered by the State of New York in the New York City borough of Queens. Until then, local residents would need to travel to Manhattan to do their banking; the opening of the borough’s first local bank was accordingly met with elation and relief.

While the bank expanded here and there over the course of the next 14 decades, its greatest growth occurred in just the last 15 years. In anticipation of expanding its franchise through the first of several mergers, the Bank changed its name to New York Community Bank on November 21, 2000. By the end of that year, NYCB had grown from 14 to 86 branches; today, it has more than 220 branches in five states.

In deference to its heritage as a Queens-based institution, the Community Bank operates each of its 38 branches in the county under its original name, Queens County Savings Bank.

Roslyn Savings Bank

Established in 1875, The Roslyn Savings Bank was the first financial institution headquartered in Nassau County, one of two counties--with Suffolk--that constitute Long Island, New York. Its founders wanted to build a bank that would provide the Island’s residents with a safe place for their savings, as well as the financial assistance they’d need to build or purchase homes.

A member of the NYCB Family of Bank since October 31, 2003, Roslyn Savings Bank today serves the Island’s businesses and consumers through 42 conveniently placed branch offices.

Richmond County Savings Bank

A member of the NYCB Family of Banks since July 31, 2001, Richmond County Savings Bank is the third oldest of our divisions, with roots that go back to October 30, 1886. It was then that the bank was established to serve those who lived and worked on Staten Island, and it was less than one year later that it made its first mortgage loan.

Today, nearly every street on the Island has at least one home that was financed by Richmond County Savings Bank.

Originally located in the Odd Fellows Building at the corner of Richmond Terrace and Broadway, the Bank today has 20 convenient banking locations in all.

Roosevelt Savings Bank

Roosevelt Savings Bank was established in 1895 on the corner of Gates Avenue and Broadway in Brooklyn under the name “Eastern District Savings Bank.” In 1920, the bank changed its name to honor the memory of the nation’s 26th president, Theodore Roosevelt.

In February 1999, Roosevelt Savings Bank merged with and into Roslyn Bancorp, which merged with and into New York Community Bancorp, Inc. in October 2003.  Today, Roosevelt Savings Bank serves its customers through seven branches in Brooklyn as a member of the NYCB Family of Banks.

Garden State Community Bank

Garden State Community Bank has been a member of the NYCB Family of Banks since March 2008, when we combined all the branches of four smaller New Jersey-based divisions--First Savings Bank of New Jersey, Ironbound Bank, Penn Federal Savings Bank, and Synergy Bank—into a single division with a highly relatable name.

While Penn Federal Savings Bank and Synergy Bank were directly acquired in 2007, First Savings Bank of New Jersey and Ironbound Bank were acquired in 1999 by Richmond County Financial Corp., which subsequently merged with NYCB.

By combining the strengths of these four local banks with the strengths of our institution, we established a Garden State community bank that offers more products and services, and more convenient locations, than any one of these banks provided on its own.

Today, we serve our customers through 45 branches in Essex, Hudson, Mercer, Middlesex, Monmouth, Ocean, and Union Counties, most of which first opened their doors nearly 14 decades ago.

AmTrust Bank

AmTrust Bank is one of the more recent additions to a respected banking family that has been serving customers and communities for more than 156 years.

The first branch of AmTrust Bank opened its doors in the late 1980s, when Ohio Savings Bank opened the first of its branches in south coastal Florida under the “AmTrust Bank” name. Eleven years later, it expanded again--this time to Arizona--and on December 4, 2009, it joined the NYCB Family of Banks. With our acquisition of Desert Hills Bank less than four months later, we further expanded our franchise in the Grand Canyon State.

Currently in its seventh year as an NYCB division, AmTrust Bank serves its customers through 41 convenient branches: 14 in central Arizona and 27 in Florida.

Ohio Savings Bank

Ohio Savings Bank is one of the more recent additions to a respected banking family that has been serving customers and communities for more than 156 years.

Established in 1889 as the Ohio Savings Home Loan and Building Co., the bank’s initial expansion was limited to Ohio until it opened its first Florida branch in 1989. Eleven years later, it expanded again, this time to Arizona. And seven years later, it changed its name to AmTrust Bank.

On December 4, 2009, AmTrust Bank became the newest member of our banking family, the first of our divisions to serve customers in non-contiguous states. Four months later, we elected to pay tribute to its forebear, by operating our 28 branches in Ohio under a more suitable name: Ohio Savings Bank.

To learn about our commercial bank, visit

New York Commercial Bank 


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