Each card organization (Visa, MasterCard, Discover, American Express) assesses fees to merchants in connection with transactions outside of the bank’s control, such as dues and assessments, fixed acquirer network fees, international/cross-border transaction fees, network access and data usage charges. These fees apply to all merchants based in the United States, regardless of bank, processor or ISO affiliation. Because these fees are frequently modified by the card organizations, a detailed list of these fees is posted and updated in the below ‘Association Fees Document’ PDF. As an added value, these fees are passed through at cost to you, the merchant, and are not marked up. Should you have any questions about these pass-through fees and how they appear on your monthly statement, please contact the customer service number on your monthly statement. By signing this application you accept and agree to these pass-through fees and understand that they may change from time to time without notice.