Online Banking
No Cash? No Problem! Use your First State Bank and Trust Visa Debit Card for purchases, bills, and now you can add your card to mobile wallets. Sign up for a School Spirit Card or Lawrence Humane Society Card and each time you Skip the PIN at the checkout and run your card as a “Credit” transaction, you are earning money for your local school or organization! First State Bank and Trust has donated over $290,500 to schools and organizations in our community to date!
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!Request a Card View Demo
Our First State Bank & Trust credit cards offer:
Set up Automatic Payments online at www.mycardstatement.com
Earn 1 point per dollar spent on any purchase
Redeem for a variety of items
The gift that everyone wants! We offer gift cards in a variety of different designs. Visa Gift Cards are available at all 7 of our locations. Stop by today to purchase yours!
Activate Your Gift Card Check Gift Card Balance
You may not receive cash from Visa Gift Cards (will not work at an ATM).
Cannot be used internationally
*Discounted load fee of $2.00 applies to customers with Charter 50 and Relationship Checking Accounts.
Add your First State Bank & Trust Visa® Debit and Credit Cards to Apple Pay®, Google Pay™ and Samsung Pay®, for a quick, secure and convenient way to make payments in-store or in-app at participating merchants. You can also use your mobile wallet app to transfer funds between friends and family.
View Demo
Apple and Apple Pay are registered trademarks of Apple Inc.
Google Pay and Android are trademarks of Google LLC.
Visa is a registered trademark owned by Visa International Service Association and is used under license.
Easily re-order checks for your checking accounts by clicking the link below. If you need to order checks for the first time on an account, please call us at 800-463-7782 and we would be happy to submit an order for you.
Re-Order Checks
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 TrustPO Box 219Tonganoxie, KS 66086
Opt In or Out
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.
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:
ODP Limits:$800 ODP is available for consumer accounts2 that have been opened for 30 days or more and remain in good standing.$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.
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.
For more information on these services, call us today! 800-463-7782
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