To help them compete with larger financial institutions, two community banks have recently selected Intercept as their processor for funds transfer, automated teller machine, and point of sale debit transactions.

State Bank and Trust, a $100 million-asset bank based in Brookhaven, Miss., selected Intercept to handle clearing on its ATM network and to support its Visa check program. The Visa program gives customers 24-hour ATM access and enables participating merchants to debit funds from a card holder's checking account to pay for goods and services.

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