Merchant Services

Is your business overpaying to accept debit cards and credit cards? FCCU Merchant Services group can bring you up to date while making the service a true value for both you and your customers.

First Community Credit Union has partnered with Element Payment Systems to provide you with the best credit and debit card processing rates, equipment, funding speeds and customer service.

Element Payment Systems supplies merchants with the ability to accept any form of electronic payment. Plus, you will have these benefits available to you:

FREE Card Payment Terminal

In order to avoid potential fines, merchants are now required to process debit and credit cards utilizing the EMV chip. Most processing companies charge an average of $499 for new processing equipment. As an FCCU member, you will receive a state of the art VeriFone VX 520 EMV terminal completely free of charge simply by utilizing Element Payment Services for your card processing.

Guaranteed Cost Savings

Element will also reduce your rates substantially. They guarantee it! If Element can't save you money on your processing fees, they will pay you $100! No gimmicks.

Next Day Funding

You work hard and deserve to have your debit and credit card deposits the next day. With next day funding, as long as you batch out by 7:30pm, your funds will be in your FCCU account the next business morning.

Simplified Reporting

With Element and FCCU, you can receive all of your Visa, MasterCard, Discover and American Express reporting in one concise statement.

Local Customer Service

No matter when you need to contact Element Payment Services, they will be there to help! If you have a terminal go down, Element Payment Services will typically have you up and running with a new terminal within a few hours...even on a weekend!


Call our Business Accounts experts at 281.856.5765 for more information.

Become a Member

Personal appointmentMake an in person appointment Online bankingEnroll in Online Banking for business

Business Services

Business services designed to keep you focused and efficient.

Payroll Services

Whether you have 5, or 500 employees, managing payroll can be a pain. Let FCCU ease the stress!

Remote Deposit Capture

Make business deposits right at your computer.

Contact Our Treasury Development Team
Team Iamge

Gwen Coscarelli

AVP, Treasury Development Manager


Team Iamge

Sandy Thomas

AVP, Treasury Development Manager