Leaving the idea of expansion into Europe, Western Union took up the expansion of services in the U.S. market. The size of the commission fee for the transfer is charged according to the Western Union tariffs and depends on the amount of money sent. In October 2006 the company made an initial public offering of shares on the New York Stock Exchange, becoming independent from First Data company. You do not need to open a bank account, so you can send or receive money in any of the 170 000 service points of Western Union around the world. In 1914 Western Union engineers invented the first payment card - a prototype of the modern credit card. In 2000 was launched the Web site westernunion.com, with which users from certain countries can independently transfer funds online. The first offices of company were located in the Reynolds Arcade building in Rochester, New York. The sign above the main entrance to the building - Western Union made so that the time in all of American civil services was the same. In 1884 Western Union has become a joint-stock company and was brought to the stock exchange. The company has entered in the first American stock index Dow Jones. Sibley, the founder of Western Union, did not build a new telegraph lines, and persuaded the other players to join. American Telegraph Company, however, still had to buy it.