Authorize.net is great. I've used them for 6 years and they are continuously innovating. You'll need a script (cart) to interface with their API. Their Automated Recurring Billing (ARB) fee is only $10 per month.
Tell the gal at your bank to contact their own IT dept. ;)
Authorize.Net is part of the CyberSource (Visa) family.
Resellers/Merch Accts:
http://www.authorize.net/solutions/m...llerdirectory/
Tutorials:
http://www.authorize.net/videos/
Knowledgebase:
http://www.authorize.net/support/knowledgebase/
CyberSource:
http://www.cybersource.com/