Introducing New Merchant Services Provider for Business

Mobile Wallet Woman with iPhone at TerminalAmerican Federal offers business owners electronic processing solutions and services, along with expert support, to help them grow their business and run their operation more smoothly.

American Federal has partnered with a new Merchant Services provider to support business customers who have credit card processing and point-of-sale needs.

The new provider, TSYS, is a global payments company and a leading provider of technology-enabled, software-driven payments solutions. TSYS offers innovative products and services and provides exceptional customer service.

Through the program, an American Federal Banker works closely with the business client and a dedicated TSYS representative to determine the best e-payment solution for the business.

Key Business Advantages

Accepting credit and debit cards is a simple fact of doing business today. Most retail sales are being made with an electronic payment, and customers purchase more when they use credit cards, debit cards or other electronic payment methods, such as gift and loyalty cards.

Business owners don’t need to be an expert to accept card payments. American Federal offers hassle-free merchant payment processing solutions and exceptional service to meet your customers’ needs, allowing you to manage the day-to-day operations of your business.

Our Merchant Services benefits include:

Devices Tailored to Fit your Business. Accept payments almost anywhere you do business – on site with PC countertop registers or handheld devices, online, or with mobile card readers for customers on the go.

Customer Friendly. Accept all major payment types, including debit and credit cards, chip card and Apple Pay®, Google Pay® and Samsung Pay®.

Fast Funding. Get access to funds as soon as the next business day with next-day funding available.*

Account Management. Get comprehensive activity reports and see your customer data to better manage your business. Export reports for analysis and import to accounting software. Tailor your own reports based on information you need.

24/7 Live Customer Support. Contact merchant support whenever you have a question or need assistance with processing operations or equipment training.

Peace of Mind. Protect your business with fraud protection and data security tools to help you manage your compliance with PCI-Data Security Standards.

Customized Pricing to fit your business needs.

Contact Us

Let your local American Federal Banker show you how you can manage your electronic payments and keep up with changes in technology and customer preferences with payment processing solutions tailored to the needs of your business – on site, online or on the go.

Ask about our free savings analysis to assess your recent merchant processing statements to see which rates, fees and other costs can be eliminated or lowered by using American Federal Merchant Services to process payments.**


* Merchants on certain processing programs are not eligible for next-day funding. Funding may be delayed by TSYS’ Credit or Risk departments at any time.

** Comparison applies to processing fees for the same or similar services/offerings only, not to include equipment or software fees.

All accounts subject to credit approval. Some restrictions and exclusions apply to offerings. Apply Pay® is a trademark of Apple, Inc. Google PayTM is a trademark of Google, Inc. Samsung Pay® is a trademark of Samsung Electronics Co, Ltd.

Fergus Falls Sales Team Earns Top Team Builder Award

The Fergus Falls Sales Office of American Federal Bank has earned the bank’s highest team recognition honor — the “Annual Team Builder Award” — to cap off a banner year for 2019.

Sales and Marketing Officer Kent Anderson announced the recipient of the annual award at the bank’s ”All Employee Celebration” held at the Avalon in Fargo.

The American Federal Sales Office with the top overall score at the end of the calendar year is named the “Annual Team Builder” and awarded the “Team Builder Traveling Trophy” to display in the bank lobby for a year.

“It is gratifying to be recognized with the top ‘Team Builder Award’ for 2019 for the excellent work our Fergus Falls Sales Team accomplished,” said Mark Eifert, Market President, American Federal Bank, Fergus Falls. “Our Bankers and Associates earned this award for what we have always done and continue to do — take exceptional care of our customers and help them reach their financial goals. We could not be successful without our loyal customers.”

The large traveling gold cup is engraved with the name of the winning Sales Office each year. This is the first time, since the program’s inception in 2008, the Fergus Falls Sales Team has earned the coveted award.

American Federal Bank Employees Earn ‘Sales Star’ Recognition

Best Bankers trusted advice for ag, business and youEighteen Sales Bankers and employees have earned recognition from American Federal Bank for outstanding sales and sales referral performance in 2019.

A “Sales Star” is the highest honor of recognition an employee can earn at American Federal.

American Federal’s 2019 Sales Stars are:

  • Cindy Ackley, Senior Associate, Moorhead
  • Betty Amundson, Associate, East Grand Forks
  • Bill Anderson, Market President, Crookston
  • Mark Eifert, Market President, Fergus Falls
  • Dan Erdman, Associate Banker/Associate Manager, Crookston
  • Chris Grettum, Personal Banker, Fargo Downtown
  • Paige Kjesbo, Ag/Business Banker, Wahpeton
  • Tye Korbl, Private Banker, Fargo South
  • Joanne Loeslie, Associate, Grand Forks
  • Dean McCleary, Chief Financial Officer, Fargo Home Office
  • Pat McShane, Market President, Fargo Downtown
  • Dustin Morris, Ag/Business Banker, Fergus Falls
  • Brian Olson, Ag/Business Banker, Moorhead
  • Ryan Paulson, Ag/Business Banker, Fosston
  • Alison Perez, Personal Banker, Grand Forks
  • Kim Peters, Personal Banker/Office Manager, Ada
  • Jon Swenson, Ag/Business Banker, Hallock
  • Rod Votava, Ag/Business Banker, Fergus Falls

In recognition of their achievement, American Federal “Sales Star” employees and their families attended a weekend Sales Star Retreat, training seminar and awards banquet in their honor at the Arrowwood Resort and Conference Center in Alexandria, MN.

Retirement Celebration Set for Fosston Banker Mary Schow

Personal Banker Mary Schow

Join us at a Retirement Open House as we recognize American Federal Personal Banker Mary Schow.

Customers and the public are invited to the Open House set for 10 am – 3 pm on Thursday, February 27, at the Fosston Sales Office of American Federal Bank. Cake and refreshments will be served.

Mary is retiring after nearly 24 years at American Federal Bank.

Mary joined the Fosston Sales Office a year after American Federal acquired TCF’s branch office in Fosston. She began her career at American Federal as a Personal Banking Representative, became securities licensed and a Financial Advisor, was promoted to Personal Banker and named Assistant Vice President.

Named Top Sales Star

Mary has earned a number of sales performance and recognition awards during her tenure at American Federal. She achieved “Ace Sales Star” status and was named to the American Federal “Sales Star Hall of Fame.”  She earned her way to seven Sales Star Retreats, the bank’s premier recognition event, and was named a Top Retail Sales Star.  Mary has also earned 11 Brand Recognition awards.

Before joining American Federal, Mary worked for Honeywell in Minneapolis, and then joined the Farm Service Agency in McIntosh, where she was employed for 15 years. She is a native of McIntosh, and a graduate of McIntosh-Winger High School.

Mary and her spouse, Dan, raise small grains and row crops on a farm near McIntosh. The Schows have four children and seven grandchildren.

Be Aware of Tax Identity Theft

tax scams imageTax identity thieves and IRS imposters are ready for tax season. Learn how to protect yourself, and what to do, if you or someone you know runs into problems.

Tax identity theft happens when someone uses your Social Security number (SSN) to file a phony tax return and collect your refund. You may not find out it has happened until you try to file your real tax return and the IRS rejects it as a duplicate filing.

IRS imposters are scammers who pretend they are calling from the IRS. They claim you owe taxes and demand that you pay right now, usually with a gift card or prepaid debit card. They threaten you will be arrested or face other bad consequences, if you do not pay. However, it is all a lie.  If you send the money, it is gone.

To start fighting tax identity theft right away, remember:

  • Protect your SSN throughout the year. Do not give it out unless there is a good reason and you are absolutely sure who you are giving it to.
  • File your tax return as early in the tax season as you can.
  • Use a secure internet connection, if you file electronically, or mail your tax return directly from the post office.
  • Research a tax preparer thoroughly before you hand over personal information.
  • Check your credit report at least once a year for free at Make sure no one has opened a new account in your name.

Check out the Federal Trade Commission’s “IRS Imposter Scams” infographic.