Since 1987, ABA has given members a full-service Visa and MasterCard program including credit, debit, and merchant card processing. Through Fidelity National Information Services (formerly known as Certegy Inc.), you benefit from support that includes a top-notch travel rewards program, complete transaction processing, 24-hours-7-days-a-week customer service, marketing assistance, portfolio development, risk management, and ABA group pricing.

Offer a Credit Card You Control

Benefits include:

• You keep all the revenue less operating costs as a direct card issuer and build a new profit center.
• Besides interest income, you build a steady stream of non-interest fee income.
• Gives your bank the opportunity to cross-sell additional banking products and services.
• You determine your product pricing, fee structure and special enhancements including a cardholder rewards program.

Features include:

• You receive a dedicated point of contact for responsive portfolio management.
• E-Reports offers you a new level of convenience and value in report delivery.
• Create a custom card design to reflect your bank's locale or branding.
• Reward your best customers with the Platinum Preferred Card.
• Offer a personalized Business Card to those special corporate customers.

Issue Debit Cards to Extend Customer Relationships

Benefits to your cardholders include:

• Debit cards are easier to use than checks with more merchant acceptability.
• Cardholders access their checking account without coming into the bank, minimizing teller operating expense while generating interchange income.

Benefits to your bank include:

• Your bank receives interchange income, fee income, and potential interest income from overdraft lines of credit.
• A debit card program requires minimal start-up investment, compliments a credit card program and offers your customers more options.

Features include:

• Extensive debit/EFT processing options, including multiple authorization options, settlement, and card management.
• Back-office support, risk tools and management, marketing, and technical support.
• Use the reliable and comprehensive back-office and customer service support offered from Fidelity or opt for pass-through processing, retaining control and service on site.

Credit Card and Debit Card Enhancements to Increase Your Bottom Line

• Scorecard Rewards Program.
• Build your card balances with LetterChecks.
• Falcon^TM unlocks profitability and puts the lock on fraud.

Merchant Services for Your Local Business Clients

Benefits include:

• Your bank earns discount income on all transactions.
• Dollars generated by consumer purchases made with the card generate new deposits for your bank, which in turn becomes new sources of funds for making loans.

Features include:

• Merchant billing and settlement; profitability reporting; risk management and fraud monitoring; operational support services and, multiple network solutions.
• With Turnkey processing, the ABA/Fidelity Program owns merchant liability, approves and monitors risk, monitors pricing and provides customer service while you share in net profit.

ABA Contact
David Ridley, Senior Manager, Card Solutions
202-663-5192
Send Email
ABA Total Business Solutions Hotline:  202-663-5575

Fidelity's Website
www.fidelityinfoservices.com/fnfis/