I've been using 1st American Card Service for almoust 4 years. A few months ago I audited my books and discovered that the charges averaged 4.5 to 5.3%!!! I had contacted the 1st American Card Service and the Redwood Merchant Bank for the explanation and received none. The Redwood Bank could not even explain their own convoluted statement and the meaning of the fees. I wrote to the 1st American Card Service and the Redwood bank - no reply. I have been using another provider for the past 2 months and my fees dropped almost in half! 1st... read full review »