Shop owner processing credit card transaction

Merchant Services


Look no further for your payment processing and credit card acceptance needs!

Easy credit and debit payment options for your customers are no longer optional but vital to the success of your business. Let us help handle your payment technology, freeing you to focus on your clients. Through our partnership with the Michigan Retailers Association, we offer affordable, transparent services like card terminals and point-of-sale systems that support EMV chip cards, Apple Pay, Samsung Pay, Google Wallet, and more!

  • EMV/Chip card terminals
  • Mobile EMV credit card processing
  • Web-based processing
  • E-Commerce
  • Flat rate processing
  • Online reporting
  • Great rates
  • No hidden fees
  • Free setup, supplies, chargebacks, terminal reprogramming
  • No long-term contracts
  • Automatic data breach protection
  • Flat-rate option for easy bookkeeping
  • No monthly minimums

Mike Nowaczynski, Kalsee Credit Union Commercial Lending ManagerMike Nowaczynski

Commercial Lending Manager

Mike has over 10 years of member service industry experience. Growing up in Michigan, Mike was born and raised in Detroit and graduated from Michigan State University.  He has family roots in Costa Rica where he loves to take his two kids and prioritizes spending time with his family. Mike grew up in a blue-collar working home where his parents’ hard work and dedication impacted the value he places on business and business-ownership. With five years of experience in banking, Mike is passionate about using his knowledge and experience to help all business owners achieve their goals and dreams. “As we say in Costa Rica, 'Pura Vida.' I look for any way that I can help and support my community and business owners to be successful,” says Mike.

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How Do I...

Click to view our locations and hours.

Click to locate a fee-free ATM  near you. Did you know you can use credit union CO-OP network ATMs and fee free?
Login to your account online, call 269-382-7800, or visit any branch with a valid ID and correct address.
Kalsee's routing number is #272481855. You can find it located at the bottom left of your checks.
Call 866-985-2273 from the phone associated with your account to activate your card or to change or set your card PIN.

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