First State Bank of the Florida Keysbanking in the keyskeys community
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Business Banking - Corporate Services
Merchant Services Card Processing
Easy Deposit - Remote Deposit Service
ACH Services
Positive Pay


Today more than ever before people are using debit and credit cards to pay for goods and services. That's why it is critical that your merchant card processing system is cost effective, efficient and operational 24/7!

First State Bank of the Florida Keys understands how critical your card processing capabilities are to the success of your business.  For that reason, we are committed to providing you with the features, benefits, service and convenience you can only get from a local banking partner.


  • Integrated Card Reporting & Settlement
  • Secure Signature & PIN Based Processing
  • E-Check & Gift Card Processing
  • Electronic Cash Registers & Computer Interface
  • Electronic Capture & Voice Authorization
  • EBT Processing
  • Internet Access to Bankcard Data
  • All Major Hardware Brands
  • Personalized Local Service
  • Mobile & virtual solutions
  • One statement — one deposit for all card types
  • Next Day Funding
  • Breach Insurance
  • PCI Compliance Programs


First State Bank provides multiple credit/debit card processing options including phone, wireless, terminals, virtual terminals and personal computers assuring you the most convenient and effective tools to efficiently manage your business.

The processing method of your choice will be used to capture, authorize, transmit, settle and fund your credit/debit transactions, virtually eliminating any account reconciliation problems and saving you money.

Our local merchant services team will personally customize your card processing service to meet your specific business needs and maximize your revenue. 

Open an account at any branch or Contact us Today!

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TransLink is a secure, easy-to-use Internet-based service that provides businesses of any size with timely access to credit card account, transaction detail and reconciliation information. It allows merchants to interact with an enormous database of payment processing information. TransLink helps provide both the reporting flexibility you want and the financial control you need for your business. Contact us for more details or to enroll. Log into TransLink if you are already enrolled.

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EASY DEPOSIT - Remote Deposit Service

Deposit Checks from the Convenience of Your Office 24/7!

Scan & deposit both business & personal checks directly from your office!
Receive same day processing for check deposits received by 4 PM on business days!
Save time by reducing the need for bank deposit trips!
Increase efficiency by submitting deposits at your convenience!
Provides a safe, sound & secure deposit service while eliminating late night deposits!
Easy set up & use!
FREE local service support!

Don't Wait!

Let us install your Easy Deposit service Today so you can begin saving time & money & enjoying the convenience of banking from your office!

CALL or CONTACT US Today for a FREE Easy Deposit Demo!

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ACH Services

These are the services to have if you have trouble finding time in your day to do your banking. With Direct Deposit your business can avoid having to write payroll checks and eliminate stop payment fees for lost or stolen checks while providing your employees with safer, faster access to their funds. Direct Debit pulls funds from your checking account to automatically pay your bills reducing delinquencies, mailing costs and returned check fees. With ACH services, you can relax when you take that well deserved vacation knowing your employees and your bills will still get paid.

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Positive Pay

First State Bank wants to help protect your accounts. With check and ACH fraud on the rise, our Positive Pay product can offer valuable protection and peace of mind. Positive Pay is a monitoring tool for fraudulent and unauthorized transactions that tracks account activity including paid items, voided items, and stop payments and compares specified debit items posted to the Bank’s system against a master list of items you provide. By uploading your transaction information before it is processed, you have greater control of your account.

  • Build and save custom file templates for issued items
  • Upload issued item files to include in the master list
  • View, delete, add, or edit the master list for each enabled account
  • Compare transactions in the history file to the issued items master list
  • Accept matching items and create an exception file for unmatched items (i.e. amount mismatch, stale dated item, voided item, duplicate paid item, etc.)
  • Receive email or text notifications for exception items
  • Make online Pay or Return decisions

View additional details (PDF).

View demo.

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