Merchant Services - Payment Processing

Merchant Services

Partner with Citizens State Bank and Fitech Payments® to provide your customers with flexible payment options, and provide your business with the debit and credit card payment processing solution you need. Our partnership with Fitech will ensure that you have the highest level of support and service available for both you and your customers.

What Can Merchant Services Do For You And Your Business?

What Can Merchant Services Do For You And Your Business?

Card Processing

Accept payments in-store or on-the-go and offer customers the option to pay how they prefer. Securely accept debit and credit card transactions - including EMV chip cards.

Check Services

Process checks with traditional paper transactions or electronically. Our cost-effective products are customized to fit your specific needs.

Gift Cards

Boost sales, engage customers and stand out by selling gift cards. Customize your cards or choose from our variety of designs.

Next Day Funding

Get quicker access to your hard-earned money with Next Day Funding. Our dependable solution allows your funds to be accessible the next day.

Merchant Services Options


Accept payments in-store and offer customers the option to pay how they prefer. Fitech offers solutions that use the latest technology so you can accept various payment types, including chip cards, contactless, and mobile wallets such as Apple Pay® and Android PayTM.


Sell your products and services online so your customers can make purchases anytime, from anywhere they have Internet access. There is no easier, more affordable option for online success. Let Fitech create a secure online shopping method for your clients.


Take your business on-the-go with our mobile payment solution. Compatible with hundreds of iOS and Android mobile devices, you will be able to securely accept debit and credit card transactions - including chip cards - through your mobile device or tablet.

What Else Can We Offer You?

Mobile Wallets

Offer a speedy and secure checkout by accepting Apple Pay and Android Pay. Fitech’s terminals use NFC technology to accept the latest mobile wallets without collecting any of the transaction information and maintaining cardholder data security.


We offer robust reporting features and easy navigation. Want a detailed account of all your activity? It’s at your fingertips, down to each individual transaction with advanced encryption to keep sensitive data safe and provide peace of mind.

We'll pay you $250 if Fitech can't MEET OR BEAT your current effective rates!*

*All funds will be paid in the form of Visa® gift cards by Fitech. You must provide 2 months of processing statements. Minimum monthly processing of $2,500.00 required.


Pricing for merchant services depends upon the type of business you have as well as the volume amount and number of transactions you process. Please click here to contact your dedicated merchant services representative to learn more.

Throughout the process you will be asked to provide either two months of your current payment processing statements, or if you are not currently processing payments an estimate of your potential transaction count and volume.

Fitech Payments is the vendor Citizens State Bank chose to partner with to provide you with payment processing services. Located in Fort Worth, Fitech Payments is devoted to the wants and needs of community banking. Fitech was founded on the belief that immeasurable value still exists in personal relationships. At Fitech, they make their customers top priority and uphold this belief with all of their bank partnerships and every distinct bank customer they serve. Fitech strives to make community banks relevant and competitive in the payments industry through their incomparable commitment to integrity, community, and service.
Learn more...


Kathy Carruth
East Texas Sales Specialist
Email: kcarruth@citizensbank.net
Phone: 409.283.2561 Ext. 2303

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