There is one processor here in Atlanta – I get some credit card bills with an Atlanta return address, and I mail to an Atlanta PO Box. (although now i mostly pay online). I think I know what office building their offices are in, but I haven’t really paid much attention to it. As I understand it, if I mail a payment to PO Box 888, Atlanta Georgia, it goes to a mail processing center with low-paid drones not employed by the bank.