LITTLE ROCK, Ark. - Farmers and Merchants Bank of Granite Quarry, N.C., is issuing Visa debit cards via Arkansas Systems' Integrated Debit Card System.

The system enables institutions to issue proprietary automated teller machine and point of sale cards. It provides card information such as demographics and ATM and point of sale limits. Authorization can be on- line, memo-post, or real-time - based on a positive or negative file.

The bank said it will use the debit card program as a "gateway" for cross-selling other products and services, such as checking, automated clearing house, and cash reserve.

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