The best deals on acquiring. The most profitable acquiring for IP
The rapid development of non-cash payments around the world makes individual entrepreneurs and LLCs keep up with the times and use the acquiring service. Moreover, the tariffs of banks for acquiring every year are becoming more and more profitable for business. But even in such a situation, it is necessary to find the answer to the question: "Which bank has the most favorable rates for merchant, mobile and Internet acquiring?" Before making a decision, it is necessary to compare tariffs.
Let's start with some theory. Acquiring is a popular service of banking institutions, which enables companies to accept non-cash payments with plastic cards. Three types of acquiring are popular in Russia: merchant, mobile, Internet acquiring (online).
There are 3 actors involved in the process:
- trade company(the shops);
- credit organisation, which is the acquirer. The bank opens a current account for the company, and it provides the necessary devices for accepting payment cards;
- issuing bank, which is engaged in the issuance of credit cards for you and me.
POS terminals are usually used as devices. Ordinary buyers encounter them in stores.
Each enterprise is interested in cooperation with a banking structure that offers favorable conditions for merchant acquiring for individual entrepreneurs or LLCs. Such a partnership will increase trade revenue and provide comfortable conditions for paying for goods and services to consumers.
For this reason, many heads of individual entrepreneurs and LLCs have an urgent question, which bank to choose for merchant or acquiring? To solve this problem, it is advisable to familiarize yourself with the conditions and tariffs for acquiring the most profitable banks in Russia.
What acquiring to choose in the bank?
Most major banking institutions offer acquiring services. But they are not always beneficial for a particular trade enterprise. For a competent choice, experts recommend paying attention to several important points:
- Type and price of equipment offered by the lending institution. The amount of initial costs depends on the type of specialized equipment. Today, potential consumers are offered three types of devices for receiving payments: POS-terminals, imprinters, cash registers with an acquiring option.
- Type of communication devices. There are several options, but the most convenient and popular is the WI-FI wireless channel, and Ethernet is considered the most reliable type. GPRS or Dial-up can also be used.
- Payment systems with which the bank works. Each credit organization prefers to interact with certain MPS (international payment systems). The more their choice, the lower the cost of acquiring. The largest and most trusted IPSs are Visa, MasterCard and the rapidly growing Russian payment system MIR. In Russia, Mir should become the main payment system. Many experts are sure that it is she who will oust foreign MPS in the coming years.
- Acquiring agreement. The contract should contain detailed terms and conditions that need to be carefully studied. The bank's responsibilities should include: installing equipment, conducting staff training, ensuring the smooth operation of devices and round-the-clock technical support, guaranteeing the transfer of funds to the company's account within the agreed time frame. Most banks providing acquiring services detail all obligations in the contract. The main obligation of the trading company is to pay the commission specified in the contract. Tariffs of banks for acquiring are different, so it is recommended that you familiarize yourself with them on the official websites of credit organizations before signing the contract.
- Service quality of the acquiring bank. This indicator is evidenced by the willingness to provide technical support, the seriousness of the approach to training and other factors.
- Deadline for transferring funds to the company's account. The best conditions for acquiring banks imply the implementation of this procedure within one to three days.
Experts identify several banking structures that offer trading enterprises favorable conditions for cooperation.
Acquiring for individual entrepreneurs and LLC: tariffs of the best banks
In order to make the right choice and use acquiring on favorable terms, we analyzed, compared and compiled a list of banks, which includes eleven popular companies with a good reputation and a low rate for accepting cards.
Tochka Bank - all types of acquiring with favorable rates for business
In one of the best banks for entrepreneurs, Tochka Bank, you can connect the service of merchant, mobile or Internet acquiring on very favorable terms at a rate of 1.3%. Acquiring is connected together with a profitable current account.
Competitive advantages of tariffs for acquiring from Tochka Bank:
- Quickly transfer funds to the account (no more than 2 hours).
- Terminal rental at the minimum price per month.
- Acceptance of all possible MIR, VISA, MasterCard cards, including Apple, Google, Samsung and MIR Pay contactless technology.
- fast processing of this service.
Low rate acquiring from 1.25% from Life Pay
The next company in our rating of the most favorable acquiring rates for individual entrepreneurs and LLCs is LIFE PAY. Today, the company's clients are very many well-known retail chains and online stores. This indicates the reliability of the company and competitive rates in the market. And indeed, the tariff here is one of the lowest in Russia.
If you are looking for a low percentage of acquiring for a cafe, restaurant, grocery store, beauty salon, car wash or other small or medium-sized business, feel free to leave a request in LIFE PAY. The company operates throughout Russia with any type of business.
5 profitable benefits of acquiring from LIFE PAY
- You can connect merchant, mobile and Internet acquiring, as well as an online cash register with an acquiring function.
- Favorable tariff from only 1.25% (trade and mobile) and from 2.2% for Internet acquiring..
- Crediting money to any settlement account of an individual entrepreneur or company in any bank.
- Free installation and training of employees.
- Technical support and connection in 3 days anywhere in Russia.
Credit Europe Bank - merchant acquiring with a free terminal
Tariffs of banks for acquiring are diverse. Among them are the services of Credit Europe Bank:
- acquiring commission is from 1.5%;
- funds are credited to the company's account the next day;
- acquiring with a free terminal is presented. An application for the installation of equipment can be left online on the website.
Terminals of Credit Europe Bank accept cards of various payment systems, including contactless.
Internet acquiring from Yandex
Yandex Kassa is a specialized service that provides the ability to accept payments and transfer electronic money to other users. It is an analogue of the cash register, but not in retail outlets, but on the Internet.
Tariffication conditions for acquiring from Yandex:
- Base(revenue is up to a million rubles). When paying by card, the percentage for goods with delivery is 3.5%, digital content and services - 3.5%, game content - 3.5%, charity - 2.8%. When paying with the Yandex Money system, the percentage for goods is 3.5%, for digital and game content - 5.5%, for charity - 2.8%. When paying with electronic money WebMoney and QIWI Wallet when paying for goods, digital content, services and game content, the percentage charged is 6%. When using Internet banking when purchasing goods, it is 3.6%, digital content 4%, game content - 5%, for charity - 2.8%.
- Premium(with sales revenue over a million). When paying by card for any goods, services and content, the interest rate is 2.8%. When using Yandex Money, 3% is charged when purchasing goods, 5% for digital and game content, and 2.8% for charity. When paying with a WebMoney wallet, 5% is taken when purchasing goods, 5.5% for digital services and game content, and 4% for charity. More information can be found on the respective website.
- Individual(turnover on cards is more than 5 million rubles). In such a situation, tariffs are negotiated individually with the client.
Yandex is the best Internet acquiring for entrepreneurs who are actively developing their business in the global network.
Tinkoff Bank - all types of acquiring for modern entrepreneurs
The credit institution offers acquiring for individual entrepreneurs and LLCs on the following terms:
- the value of the commission from the turnover is from 1.59%;
- funds are credited to the account during the working day;
- You don’t have to pay for the terminal rental, the bank provides it free of charge.
- No extra documents or references. Principle bank - everything online, fast and easy!
3 tariffs for any payment turnover
- Simple. With a turnover of one hundred thousand rubles, the fee for the package is 1990 rubles, the effective rate is from 1.99%.
- Advanced. The fee for the package (turnover) is 2,690 rubles if its amount is 150,000. The effective rate is from 1.79%.
- Professional. If the turnover is 250 thousand rubles, then the fee is 3,990 rubles, the rate is from 1.59%.
The Bank offers favorable conditions for merchant acquiring for individual entrepreneurs and LLCs. A credit organization allows you to earn more by offering potential consumers discounts, cashbacks, and installments. It is possible to pay by phone: Apple Pay, Google Pay.
Merchant acquiring service at Alfa-Bank
If we consider in which banks to choose acquiring, then Alfa-Bank cannot be singled out. The institution has the following advantages regarding acquiring for business:
- easy service for accepting payments with Visa, MasterCard, MIR cards in offline and online outlets;
- there is no need to integrate with a credit institution;
- The ability to use a mobile terminal or POS of your choice. The mobile terminal will allow you to accept all types of cards through your smartphone.
Alfa-Bank today offers mobile, merchant and Internet acquiring. The client is charged a commission of 2.5% -2.75% of the operation, but at least five rubles. To activate the service, you can visit a bank branch, call by phone or leave an online application.
Conditions and application for mobile acquiring of Alfa-Bank
Terms and tariffs for acquiring from Sberbank
One of the leaders in the market for accepting bank card payments is, of course, the largest bank in the country, Sberbank. As in other banks, here the cost of services depends on the trade turnover, the number of terminals and even the region of business. The more card turnover, the less commission you pay to the bank. Both existing legal entities and individual entrepreneurs, and, for example, new individual entrepreneurs with.
What is the difference between acquiring and Sberbank
- The minimum commission is from 1.6 percent from a large turnover, but for small stores with medium and small turnover - about 2.15-2.5%.
- It is possible to connect the Pay QR service from Sberbank to accept payments using QR codes. The tariff, in this case, will be from 0.6%.
- Money can be received on the account in any bank.
- Terminals for receiving MIR, VISA, MasterCard, UnionPay, JCB cards.
- Transfer of money the next day until 12 o'clock local time.
UBRIR is a profitable acquiring service with a low rate
Favorable tariffs for merchant acquiring are offered by UBRIR. The commission charged is from 1.6% for accepting cards of any banks, except for UBRIR. Accepting non-cash payments from UBRIR cards is phenomenally profitable - the interest rate in this case is as much as 1% (a prerequisite is the activation of the Comfort Plus settlement account tariff).
The equipment is provided free of charge, there is no need to open an account, connection is carried out from three days.
For those wishing to accept cards, the following acquiring rates are offered at UBRIR:
- Trading - current customers.
- Trading - new customers.
- Internet payments.
It is advisable to familiarize yourself with detailed information on tariffs on the website of the institution.
Tariffs for acquiring from OTKRITIE bank
Commercial Bank with state participation OTKRITIE offers convenient acquiring for small and large businesses: merchant, Internet and merchant commerce. The amount of the commission depends on the turnover of the enterprise and the type of service chosen by it. It is usually determined individually.
The acquiring service is closely related to the development of contactless payment technology around the world. Every year, banks develop tariffs that become more and more profitable for partners. But you need to better understand the service in order to understand what its main features are. And make the right choice of a suitable bank.
What is acquiring for IP
From English, the translation of the word sounds like "receive, acquire." But there is another definition that reveals the essence of the phenomenon more fully. Acquiring is a non-cash way of carrying out various transactions.
Payment for goods
Actions are implemented through several tools:
- plastic cards;
- internet / processing center;
- hardware-software complex.
Interesting. This whole mechanism is put into action by banks, so we can say that acquiring for individual entrepreneurs is one of the banking services.
How to choose the best bank
Most organizations offer similar services for entrepreneurs. But the tariff is not always really profitable. There are a few things to keep in mind to make your decision easier. A mobile portal for the service will also be a convenient solution.
What to consider when choosing:
- Type, price of equipment from a credit institution. It depends on what the initial costs will be. To receive payments, consumers are offered three types of equipment: cash registers with an acquiring option, imprinters, POS-terminals.
- Type of connection for devices. Acquiring tariffs for individual entrepreneurs assumes different ones, depending on this indicator. Wireless WiFi channels are the most popular options, although other similar solutions can be found. Ethernet is the variety that is considered the most reliable. You can choose Dial-up or GPRS.
- Payment systems supported by the bank. International payment systems are selected individually by each of the banks. The more choice initially - the cheaper the service. Visa, MasterCard and MIR are the largest, proven systems. Many experts are confident that MIR will become the main option in Russia in the near future.
- Trade acquiring agreement for individual entrepreneurs. The main thing is that the contract should describe in detail the features of future cooperation and interaction. Of the bank's responsibilities, the most important are: guaranteeing the transfer of funds to accounts within the agreed time frame; ensuring the smooth operation of devices, support services if necessary; training; equipment installation.
- The quality of service, which is not difficult to find. Here you need to look at many factors, including the seriousness of the approach to current work, the willingness to provide technical support at any time, and so on.
- Terms of transfer of funds to the company's account. One to three days are the best conditions for this particular procedure. The acquiring center investment tariff for individual entrepreneurs in this regard sets the most favorable one.
Modern cash desks for acquiring
Which bank to choose for merchant acquiring for individual entrepreneurs depends on all the above conditions.
Connecting mobile acquiring
A modern type of service that appeared relatively recently. Example areas of application:
- small shops;
- small cafes;
- coffee houses for which the tariff plan is different;
- Taxi;
- couriers. It is also easy for them to select conditions.
note. Payment processing works according to the following mechanism. A special reader is connected to a mobile phone or tablet. The buyer applies a plastic card to this device, after which the corresponding amount is debited during the interaction. The main thing is the presence of special settings on devices, a payment application.
Varieties of acquiring
How to accept payments on the Internet as a sole proprietor
An individual entrepreneur can choose several options for receiving money from clients:
- in cash;
- to a current account, in the form of electronic money;
- transfer to the personal account of individuals.
Electronic transfers are credited to the account either through an intermediary, or from the entrepreneur himself, using modern cash registers. The acquiring type of services also implies their use.
Is it possible without opening a bank account?
Merchant acquiring is not possible without a current account. This applies even to individual entrepreneurs. Such services are provided only to customers who already have current accounts. After all, otherwise there will simply be nowhere to transfer money, it does not depend on the chosen method. An account can be opened in any organization, there are no restrictions in this regard.
Interesting. The same rules apply to internet acquiring.
What to look for when choosing a tariff
Comparing rates is the first step for anyone interested in related services. In many ways, the indicator is determined by who acts as an intermediary. These can be banks or processing companies. Processing companies usually set a high price for their services. Comparing the information is not difficult, it is in the public domain.
In what cases do you need a current account and acquiring
Many banks are ready to offer serious discounts to those who order acquiring at the same time as opening a current account. Some organizations generally prohibit the use of acquiring without a current account.
Important. Most market participants are calm about accounts opened with other organizations. After all, they take more money from such clients.
Here it is necessary to calculate the rate of receipt of cash accounts. And the tariffs that are set for the service. The best option is not always the cheapest.
Card payment
Which banks offer these services
You can give a list of organizations that have the best reputation in this direction. Clients just have to choose the conditions that will be the most profitable.
Options to choose from:
- Bank Point. All types of services, favorable rates for business representatives.
- Credit Europe Bank. Free payment terminal additionally. With acquiring commission up to 1.5%. The next day, the company's account receives funds from any completed transactions. Cheap service option.
- Yandex. Develops various tariffs for partners, depending on the basic conditions. The acquiring rate is from 2.8 to 5.5%. The rating often leads, takes one of the first places.
- Tinkoff Bank. 1.59% - the amount of commission from the average turnover. There are three tariffs - simple, advanced and professional.
- Alfa Bank. It is also beneficial for cooperation with entrepreneurs on UTII.
- Sberbank.
- UBRIR. He proposes new solutions to his clients.
- Opening. Every year more and more programs are being developed in this direction.
note. The main thing is to understand that tariffs differ depending on whether a legal entity or an individual entrepreneur is currently being serviced.
Important conditions when choosing a suitable tariff are the organizational and legal form, the turnover of the enterprise, and the type of activity. The decision is made only after a thorough study of the terms of the future agreement. If necessary, you can always ask questions, make adjustments.
Connecting merchant acquiring is a serious step for those who strive for success. But the results of such decisions justify themselves very quickly.
POS-terminals and pin pads are no different, the terms of service and the tariff for merchant acquiring are different. Typically, banks offer a commission for acquiring 2.2 - 2.8% or a subscription fee for using the terminal and servicing. Our kits are connected to the bank's acquiring with a fixed rate of 1.4% without requirements for monthly trading turnover, hidden and rental payments.
It depends on the needs and scope of the IP. For cafes and restaurants, we recommend portable mobile payment terminals Verifone VX675 or VX680. For shops and services - stationary payment POS terminals Verifone VX520. If you plan to implement an online cash register, consider pin pads with the ability to integrate with cash register solutions (Evotor, ATOL, Shtrikh-M, 1C, Frontol, etc.), for example, PAX SP30.
How is a POS terminal different from a payment terminal or an acquiring terminal?
POS-terminal, payment terminal, acquiring terminal - these are all names of the same bank payment POS-terminal. Payment terminals for paying with bank cards are available in stationary or mobile versions with connection via a local network (Ethernet), a SIM card (GPRS) and a wireless Wi-Fi network.
Which bank should an individual entrepreneur connect to in Moscow?
The banks participating in the project are large and reliable Russian banks. The acquiring bank is responsible for processing transactions, and after payment through a bank payment terminal, within one to two business days, transfers money, minus a fixed fee of 1.4%, to a bank account that provides settlement and cash services. Choose the bank you like best.
We have an Evotor smart terminal installed at our point of sale, how to connect acquiring to it in Moscow?
Pin pad PAX SP30 is a simple and affordable payment solution for connecting acquiring to Evotor. Affordable price and easy connection of PAX SP30 to the Evotor smart terminal will allow you to organize the acceptance of payment by any bank payment cards - magnetic, chip and contactless, as well as using Apple Pay, Android Pay, Samsung Pay technologies.
What is the difference between pin pads PAX SP30, Verifone VX820 and pin keyboards Verifone 1000SE, PAX S200?
Pin pads PAX SP30, Verifone VX820 have bank card readers and can be directly connected to a cash POS system, an online cash register or an Evotor smart terminal. Pin keyboards Verifone 1000SE, PAX S200 do not have magnetic and chip card readers and are intended only for entering a pin code. Typically, keyboard pins are connected to stationary POS terminals such as Verifone VX520, PAX S80, etc.
I heard that the process of connecting a merchant acquiring for an individual entrepreneur in Moscow is very complicated and you need to collect a lot of documents?
You need to collect and prepare a minimum package of documents. Registration of an application for connection takes 10 minutes and takes place remotely through the site using scanned copies. In case of any difficulties, there is a free hotline 8-800, as well as support via e-mail.
And if an individual entrepreneur wants to change the bank that provides merchant acquiring?
The entrepreneur can change the acquiring bank at any time. Contact the project manager and apply for a bank change. Switching from bank to bank will take place remotely, without stopping the operation of the terminal.
How will I receive my POS terminal?
Sending is carried out from our warehouse through transport companies or courier delivery services. After payment, the manager will agree with you which company and where to send the equipment. We work throughout Russia.
If the POS-terminal fails, where can I repair it in Moscow?
Verifone and PAX have a wide network of authorized service centers in the Russian Federation and are represented in all regions of the country. Recall that Verifone terminals are given one year warranty, PAX terminals - three years.
I realized that I need a different POS terminal model, what should I do?
You can sell your POS terminal to another individual entrepreneur. The new owner will go through the connection procedure from the beginning and in a few days will start accepting card payments. And you can choose a POS-terminal that best suits your current activity and continue accepting plastic cards for payment.
How much is the acquiring tariff for an individual entrepreneur in Moscow?
Since we do not have requirements for monthly volumes of non-cash revenue received from clients' bank cards, the acquiring commission is always fixed - from 1.4%.
And yet, how to connect merchant acquiring in Moscow?
The whole process of connecting to merchant acquiring can be divided into 4 steps. Fill out an application on our website. Choose and buy a pos terminal. Send copies of documents to connect to merchant acquiring in Moscow. Get a POS terminal and start accepting card payments.
To leave a review about a bank, go to the bank's page by clicking on its name in any of the reviews. Or click on the "Detailed conditions" button in the card of the selected bank from the list above.Sergey Kuznetsov feedback about Rosbank Opened a current account in Rosbank. Since I lived in the countryside and it was not possible to install an Internet bank, I had to go to the city for all issues. But for me it was not particularly difficult, I often went there on business. Everything is fine There is not
Popov Sergey Yurievich feedback about Tinkoff I was attracted to the Tinkoff bank by the opportunity to try CSC for free for 2 months. During this time, I got used to it, got my hand under the Tinkoff interface, and so I stayed with them. It's been two years now. You can try for free. All issues are resolved quickly over the phone. Profitable terms. Not
Andrey Zuborev feedback about Forbank We have been using the services of ForBank for quite a long time. We took out several business loans. Compared to other banks, there was a smaller package of documents and faster processing. We paid everything ahead of schedule and decided to take a closer look at this bank in terms of other services. Acquiring was connected six months ago. It works well, sometimes you have to call support, the operators are always polite, friendly, and most importantly, they know their business well. Regarding the current account, everything is also good. Favorable rates. Slowed down acquiring.
Sergey Yanchuk feedback about Sberbank Not so long ago, he opened his first IP and very responsibly approached the choice of a current account. For a long time I compared not only tariffs, but also the quality of service. I think it's very important. Stopped at Sber. I submitted an application, a girl contacted me, clearly explained everything where and how you can open an account, what documents will be required. I also liked the attitude of the employee directly in the branch, they told me everything, consulted, explained some of the nuances of the work of the Internet bank. This is not the same Sberbank with queues and rude attitude) Thank you for changing! Not yet)
Charlin Vladimir Petrovich feedback about Oriental We have been maintaining an LLC account in Vostochny for the third year already. Everything suits me. I like the Internet application, all payments are fast. We use merchant acquiring. Somehow one terminal broke down, they called technical support, a service worker quickly arrived and took it to a service center, and a couple of days later they brought a serviceable one. They work quickly, so we pay money not in vain. Favorable rates, profitable acquiring! Not
Mikhail Ilyin feedback about UBRD I liked the service of the Ural Bank from the very beginning. A simple registration procedure and polite staff, here a sample is attached to each application, if necessary, the manager will help and prompt. The account was opened in 1 day. Fast account opening, comfortable service conditions. Not found
Elizabeth Kapranova feedback about Vesta Applied for opening an account in the West Bank branch. To do this, pre-arranged the time of the visit. On the right date, they called me in the morning and reminded me of a visit to the bank. The manager who opened the account explained in detail all the nuances of cooperation. I am satisfied with my choice. Everything quickly and without unnecessary gestures) Did not find
Mikhail Zverev feedback about Sovcombank If there is a desire, then you can find fault with any bank. I have been cooperating with Sovcombank for 5 years. During this time, there were only minor misunderstandings that were immediately resolved. There is a free tariff, I started my acquaintance with the bank with it, and then switched to a more serious one. Small cash limits even on more expensive plans.
Anastasia Kudimova feedback about MTS Bank I am an individual entrepreneur, I have an open current account in MTS-Bank, I also took a loan for turnover a year ago. Offered good conditions, almost paid. I'm thinking of getting another one in the near future. As soon as possible, I will contact MTS. There are profitable loans for customers! Service conditions are slightly more expensive than in some other banks.
Evgeny Lunko feedback about Modulbank I have tried working with several banks. There were always some problems. I have been working with Modulbank for three years already, and there are no problems. Not one at all. Once there were difficulties with documents for the tax office, the bank employee understood and very quickly resolved the issue. It took no more than three days, although it could take more than a week. The account opening procedure was carried out via the Internet. All online! Not
Kristina Petrova feedback about Promsvyazbank I opened a bank account at Promsvyaz Bank. I liked how fast the girls in the department work. Suggest. help fill out paperwork. Very detailed advice on tariffs, no questions. Polite staff, good rates. No
Kirill feedback about Raiffeisenbank I have been serving in Raiffeisen since 2004 as a physical. person and since 2013 as a legal entity. face. I really like the openness and transparency of the bank, no hidden fees, what rate is indicated, it will be so. Helped out many times. I sent the payment to the tax with an error. It is impossible to cancel the operation remotely, and I was very far from the department. I sent an application, the payment was slowed down until I brought the originals a few days later. I remember back in Austria, when we had another crisis here, people with cards from Sberbank and various small banks were sent for cash, Rife's card was accepted with a bang. In general, very pleased with the service. The only negative point is that R-Connect used to hang. But I haven't seen it in the last year. Individual approach! Not seen.
Bezumov Artem Nikitich feedback about Opening In general, our company is satisfied with the work of Otkritie Bank. A couple of times there were delays with transfers, one of which was in foreign currency. But important payments, such as taxes, duties, leave on time and free of charge. Our employees also receive wages without delay. RKO rates are moderate. Our business is still small, we plan to take a loan for development. Nice prices! There were delays with currency transfers
Ruslan Andreev feedback about Alfa Bank I am a sole proprietor, I have a small retail business. I applied to a bank branch in Kazan about a business loan. The employee gave me very detailed advice on all products. We were able to choose the best solution. I want to express my deep gratitude to Alfa-Bank for their work! Optimal rates! No.
Alexander Sorokin feedback about St. Petersburg We serve in the bank SPB LLC, there is a salary project. We have been cooperating for a long time, so over the years of interaction there are both positive and not so good points. A long time ago, when I sent employees on a business trip, there was just a crazy commission for transferring travel allowances of more than 100 thousand rubles. Previously, you had to go to a branch to carry out any action, but now, of course, there is an Internet bank, and everything is much simpler. The employees are polite, all problems are solved, and if there is any difficulty, they can meet halfway. Overall a good bank. If problems arise, you need to run to the office. Some commissions are big.