STAR®

From its humble beginnings in 1948, American State Bank is now a leader in personal and business banking, with $2.5 billion in assets and 37 locations in 21 West Texas communities. However, when an existing debit card loyalty program proved less than robust, the bank sought to reward customers by converting to a superior program.

When Firstbank Corporation began experiencing an increase in debit card fraud, it turned to First Data for help. The solution was First Data's Fraud and Risk Premium Package, a comprehensive set of solutions that includes its Fraud and Risk Identification Service (FRIS), FRIS realtime scoring for debit transactions, card validation for PIN transactions and a full suite of card management tools. And the results have been dramatic. In 2009 Firstbank lost less to fraud than in any recent year, a remarkable achievement in the face of the nationwide trend toward increased card fraud.

DNB First has worked with First Data and STAR for 17 years to provide reliable, convenient, secure financial services to its customers. Combining dependable debit, ATM and point-of-sale (POS) processing with STAR STATION online management, First Data has helped DNB First increase debit and POS volumes as well as overall ATM transactions.

Cattaraugus County Bank (CCB) is a community bank serving a small customer base with big expectations. When customer demand sent CCB looking to launch a business debit card program, the bank went with its first and only choice, First Data.

Voice over Internet Protocol’s (VoIP) impact on transfer cost changes the equation for hosted IVR and unlocks significant new opportunities for voice application outsourcing.