Account Services for Business

We offer a wide variety of services and products to help keep you up to date on the latest technology and keep you in control of your finances.

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Business Debit Cards
Business Credit Cards
Merchant Services
Reorder Checks
Other Services

Visa® Business Debit Cards featuring Instant Issue

Use your business debit card instead of carrying cash. You can even get a card for your employees and set individual daily spending limits.

No need to wait for a new card to come in the mail. We now offer Instant Issue Debit Card printing at all 7 of our locations!

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  • No more waiting! Instantly receive a debit card at any of our 7 locations with Instant Issue Printing!
  • 24/7 Fraud Monitoring
  • Make Deposits, transfer funds and view account balances at the ATM
  • Set individual limits for employees
  • Limits:
    • ATM Cash Withdrawals – $505 Daily
    • Purchases - $2505 Daily
  • To request a Business Debit Card for your company and/or employees:
Call Us at 800-463-7782
Submit a Request via email
Stop by one of our 7 locations

Business Debit Card and ATM Overdraft Opt In/Opt Out 

A debit card overdraft occurs when you use a debit card or ATM card in a transaction for an amount greater than the balance in your First State Bank and Trust checking account. All accounts are set to Opt Out of this service by default. If you would like First State Bank & Trust to authorize and pay overdrafts on ATM and everyday debit card transactions, please Opt In by clicking the link below and complete the form and present it at any location or mail to:

First State Bank and Trust
PO Box 219
Tonganoxie, KS 66086

Opt InOpt Out

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  • We will charge you a fee of up to $30 each time we pay an overdraft.
  • Also, if your account is overdrawn for 5 or more consecutive business days, we will charge an additional $5 per day.

Visa® Business Credit Cards

Our credit cards feature a low, fixed rate.

Ready to apply for a Business Credit card?
Call Us Today at 800-463-7782
Already have a Business Credit Card?
  •  Make Payments
  • View Transactions
  • View Statements
  • Set up Alerts

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  • Low rates: Prime + 3%
  • No annual fee
  • No balance transfer fee
  • Locally serviced
  • Travel Advantage benefits included
  • Free Auto Rental Insurance

Merchant Services for your Business

First State Bank & Trust is proud to recommend the credit card processing solutions of Integrated Merchant Alliance, Inc. since 2014. Together our goal is to ensure First State Bank & Trust clients always have access to a competitively priced credit card processing program from an honest and reputable provider.

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  • Credit Card Processing
    IMA’s card acceptance solutions offer merchants of all sizes and types access to a safe and reliable way to increase their sales while meeting the diverse need of today’s consumer base. IMA’s connectivity to many of the top processing platforms make it possible for IMA to evaluate, assess and find the most competitive rates and fees for our customers.
  • Point of Sale Solution’s
    IMA is able to support the ever changing and varying needs of more merchants when it comes to POS technology. Our technology solutions are compatible with the major terminal manufacturers, payment gateways, mobile / tablet solutions and POS software providers in the markets we serve.
  • $500 Challenge
    IMA’s challenge for FSBT clients is simple and straightforward…. IMA guarantees they will beat your current merchant processing rates or they will send you $500.

    Please visit IMA’s website to learn full offer details and program requirements. IMA reserves right to discontinue offering this rate challenge without notice.

IMA Corporate Information
Tel: 888-411-4462
13314 I Street
Omaha, NE 68137


IMA’s Local Rep Information
Curt Wright
Cell: 785-550-0013
Lawrence, KS

Call us today to schedule your FREE Consultation for IMA Merchant Services. 

Re-Order Business Checks

Easily Re-order checks by clicking the link below. If you need to order checks for the first time, please call us at 800-463-7782 and we would be happy to submit an order for you.

Re-Order Checks

Business Overdraft Protection (ODP)

An overdraft occurs when you write a check, use a debit card or ATM card in a transaction, or make an automatic bill payment for an amount greater than the balance in your First State Bank and Trust checking account.

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Overdraft protection is a standard service we offer to account holders who have had an open account with us for 30 days or more that remains in good standing. With overdraft protection, if you use your checking account and routing number to pay an automatic bill, or write a check, but don’t have sufficient funds in your account to cover the transaction, we will allow the transaction to go through.1

Fees assessed when ODP is used:

  • There is a $30 insufficient funds fee assessed for each item presented that overdraws your account.
  • Also, if your account is overdrawn for 5 or more consecutive business days, we will charge an additional $5 per day.

ODP limits: 
$1500 ODP is available for business accounts2 that have been opened for 30 days or more and remain in good standing.

Definition of ODP:
The item will be paid and will not be returned to the merchant, but you will still need to bring your account to a positive balance to avoid additional fees.

1We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

2Not all accounts are eligible for ODP coverage. Please contact us if you would like to know the status of your OPD coverage.

Other Business Account Services

We offer a variety of different banking services to better assist our customers. Fees may apply to the following services. Please see our Fee Schedule for more information.

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  • Cash Management
  • Night Depository
  • ATM Deposits
  • Safe Deposit Boxes
  • Cashier checks
  • Money Orders
  • Wire transfers
  • Notary services
  • Stop Payments (also available through Online Banking)
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