Personal Account Services

Visa® Debit Cards

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

No more waiting! Instantly receive a debit card at any of our 7 locations with Instant Issue!
Our debit cards are backed by Visa’s Zero Fraud Liability
24/7 Fraud Monitoring
Make Deposits, transfer funds and view account balances at the ATM
Limits:
- ATM Cash Withdrawals – $505 Daily
- Purchases - $2505 Daily

Spirit and Community Visa® Debit Cards

Basehor Bobcat Spirit Card

Support the Basehor School District with a Bobcat Spirit Card! Skip the PIN at checkout and run your First State Bank and Trust card as a “credit” transaction and the bank will donate to the Basehor school district.
Total Amount Donated to date
$143,912.35

Tonganoxie Chieftain Spirit Card

Support the Tonganoxie School district with a Chieftain Spirit Card! Skip the PIN at checkout and run your First State Bank and Trust card as a “credit” transaction and the bank will donate to the Tonganoxie school district.
Total Amount Donated to date
$213,219.20

Perry-Lecompton Kaws Spirit Card

Support the Perry-Lecompton School District with a Kaws Spirit Card! Skip the PIN at checkout and run your First State Bank and Trust card as a “credit” transaction and the bank will donate to the Perry-Lecompton school district.
Total Amount Donated to date
$51,760.00

Bonner Springs Braves Spirit Card

Support the Bonner Springs School district with a Braves Spirit Card! Skip the PIN at checkout and run your First State Bank and Trust card as a “credit” transaction and the bank will donate to the Bonner Springs school district.
Total Amount Donated to date
$9,899.60

McLouth Bulldogs Spirit Card

Support the McLouth School District with a Bulldogs Spirit Card! Skip the PIN at checkout and run your First State Bank and Trust card as a “credit” transaction and the bank will donate to the McLouth school district.
Total Amount Donated to date
$25,332.65

Piper Pirates Spirit Card

Support the Piper School district with a Pirates Spirit Card! Skip the PIN at checkout and run your First State Bank and Trust card as a “credit” transaction and the bank will donate to the Piper school district.
Total Amount Donated to date
$32,112.45

Lawrence Humane Society Card

Support the Lawrence Humane Society with an LHS Community Card! Skip the PIN at checkout and run your First State Bank and Trust card as a “credit” transaction and the bank will donate to the Lawrence Humane Society.
Total Amount Donated to date
$128,364.95
(Insert pictures of debit cards)
To request a Spirit or Community Card:
Call Us at 800-463-7782 Submit a Request via email Stop by one of our 7 locations

Visa® Credit Cards

Our First State Bank & Trust credit cards offer:

Low, Fixed APR
No annual fee
No balance transfer fees
Locally serviced
Travel Advantage benefits included
Free Auto Rental Insurance

Set up Automatic Payments online at www.mycardstatement.com

Which Credit Card is right for you?

	Platinum	Platinum Rewards
Benefits	Get the credit you need with no annual fee	Earn 1 point per dollar spent on any purchase Redeem for a variety of items
Purchase Rate	Fixed APR between 9.9% - 15.9%* *Based on credit approval	Fixed APR between 10.9% - 16.9%* *Based on credit approval
Balance Transfer Info	9.9% - 15.9% fixed APR No Balance Transfer Fees!	10.9% - 16.9% fixed APR No Balance Transfer Fees!
Annual Fee	None	None
Credit Level	Good - Excellent	Good – Excellent
Apply Now	Apply Online
Online Access	MYCARDSTATEMENT.COM
Redeem Rewards	Not Applicable	SCORECARDREWARDS.COM

Visa® Gift Cards

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

Easy to Use!
Use wherever Visa is accepted in the U.S.
Cards can be loaded with amounts between $10.00 and $1,000.00, however our gift cards are not reloadable.
Lower purchase fees than other retailers!
- $3.50 load fee (per card)*

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.

Mobile Wallets

Logo-Google-Samsung-Apple-Pay

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.

FAST

No more fumbling and forgetting your card – your mobile wallet is ready to use.

CONVENIENT

Mobile wallet payments are accepted at a growing number of merchants, in apps and online.

SECURE

Your card number is never exposed to merchants, keeping your transactions safe.

Convenience - Keep your bulky wallet at home - just use your phone to make the purchase.
Security - With the use of Biometrics and Encryption your card information is virtually untouchable by fraudsters.
Fast - Complete transactions In-Store, Online and In-App in seconds.

Re-Order Checks

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

Other Account Services

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 In or Out

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 $3 per day.
There is a limit of the total fees we can charge you for overdrawing your account. The limit is $180 per day.

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.

View Demo

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 $3 per day.
There is a limit of the total fees we can charge you for overdrawing your account. The limit is $180 per day.

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.

Additional 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.

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

For more information on these services, call us today! 800-463-7782