How long does it take to get approved?
Merchant accounts are typically approved same day.

Will training be provided?
We’re happy to answer any question you may have on setting up and using your new merchant account. For questions relating to integrating the gateway to an unsupported shopping cart, it is best to have your technical person call us so we may assist. For credit card terminal assistance, call the number located on your terminal 24/7.  

How soon will I have access to funds?
Normally, settled funds for Visa/MasterCard are deposited into your business checking account within 48 hours. Settled funds for American Express and Discover may take 72 hours and will show as separate deposits on your bank statement.

Can I use my existing business checking account?
Yes. There is no need to switch banks. We’ll deposit funds into any U.S. Bank.

Can I still apply with bad credit?
Yes! We boast a 99% approval on all new merchants. We welcome you to apply. We also offer 100% money back guarantee if you’re not approved for any reason.

If I need help, who do I call?
For general questions during business hours, call 888-99-TNBCI. For questions regarding operation of your merchant account call support help line 24/7 located on your terminal or in welcome kit provided.

What credit cards can I accept?
TNBCI enrolls you to accept Visa, MasterCard, American Express and Discover. We also offer Fleet card acceptance if applicable. If you already are enrolled for these, let us know your Account numbers and we will notate our files so you can process using your exiting accounts.

Can I accept debit cards?
You can accept debit cards for debit networks throughout the United States . Contact your sales representative to enroll you in a debit card program.  We support both Pin Based and Signature Based debit transactions.

How are my monthly fees paid?
Monthly fees are automatically debited from your business checking account the end of each month. There is no need to send in a check to pay fees. A detail of all fees is provided in your monthly statement to reconcile your accounting.

What are my monthly fees?
Monthly fees vary based on the type of your account. All merchants pay a monthly minimum, a statement fee, and a Discount Rate and Authorization fee on every transaction. Refer to your Merchant Bankcard Agreement for your specific fees.

How do I update my account address or telephone number?
Contact our office to complete a change request form. Changes will be made in two business days of receipt of request.

How do I change my Doing Business As (DBA) in your records?
This change requires a signature from the account guarantor. The name on your business checking account must match your DBA or corporate name. Changes will be made within two business days of receipt of request.

How Long Does It Take To Start Processing?
Once we receive your completed paperwork, we can have you processing within 48 hours. All equipment is sent UPS ground delivery or delivered by a trained installation technician. Overnight delivery is available for an additional fee.

How do I change the Direct Deposit Account (DDA) my batches are deposited into?
This change requires a signature from the account guarantor.

Can I have other people as signers or contacts on my merchant account?
The guarantor completes and signs a Contact Change form. The contact is only allowed to obtain account information; the guarantor must still authorize changes. If you need to change the guarantor, please call us.

Can I place a hold on my merchant account?
We can close your account but monthly minimum and statement fees will apply.  Should you close your account completely, reopening is simple.  Please contact your sales associate for assistance.

Wireless FAQ – Can I use with a land line? What if I don’t have a signal?
The wireless terminal can be used with a land line. Transactions can be stored in the terminal for transmission when a signal becomes available.

Where do I order supplies from? Such as paper, slips, etc.?
You can call our office at 888-99-TNBCI to order supplies.  Supplies are free for our Merchants Club Members!