You appear to be still applying this through your css
#navSuppWrapper {
height: 120px;
background-image: url(../images/Payment_Methods.jpg);
}
I do not see the code you posted in your view source???
<div id="navSuppWrapper">
<div id="navSupp">
<ul>
<li><a href="http://www.rivercitypetsupplies.com/">Home</a></li>
<li></li>
</ul>
</div>
</div>
<!--eof-navigation display -->
<!--bof-ip address display -->
<!--eof-ip address display -->
<!--bof-banner #5 display -->
<!--eof-banner #5 display -->
<!--bof- site copyright display -->
<div id="siteinfoLegal" class="legalCopyright">Copyright © 2009 <a href="http://www.rivercitypetsupplies.com/index.php?main_page=index" target="_blank">River City Pet Supplies</a>. Powered by <a href="http://www.zen-cart.com" target="_blank">Zen Cart</a></div>
<!--eof- site copyright display -->
navsuppWrapper is also not the ideal place to insert this as it is occupied with other code
Try adding this cide to a copy of tpl_footer.php for your template
what is in red is the code that exists and what is in green is to be added
<?php
if (!isset($flag_disable_footer) || !$flag_disable_footer) {
?>
<!--bof-payment display -->
<div id="paymentWrapper">
<a><img src="images/Payment_Methods.jpg"></a>
</div>
<!--eof-payment display -->
<!--bof-navigation display -->
<div id="navSuppWrapper">
This will result in what can be seen HERE and should be what you want from your description