Two business professionals going over paperwork

Debit & Credit Cards

Business Debit Cards

Make those business purchases easier with this convenient card that connects to your checking.

We’re making the switch! Your First State Bank debit card will be converting from Mastercard® to Visa®. Even better, your new card will be contactless! You will now have the convenient option to simply tap and pay where contactless is accepted.

What you need to know:

  • Debit Cards will begin arriving in mailboxes on November 15th. These will be in unmarked envelopes so please pay attention to your mail so you do not mistakenly throw away your new debit card.
  • You will be receiving a PIN letter separate from your debit card,  if you have misplaced this or would like to change your PIN, you can do so by calling 888.891.2435
  • If you have not received your card by December 8th, please reach out to your local banking center and make them aware.
  • Please activate your new debit card when you receive it, you can activate your card by calling 888.362.2087
  • You can load your new debit card into your mobile wallet right away. If you have a phone number or email in your history, you will receive a one-time passcode to verify your card. If not, you will have to call First State Bank to verify.
  • Your Mastercard® will become inactive once you activate your new Visa® debit card.
  • Due to having a new card number, you will have to update your card information on any autopayment you have set up, and in any application you have your card saved.


  • Linked to your business checking account
  • Fast, economical, and convenient
  • Safer than cash, easier than checks
  • Easy record-keeping
  • Accepted wherever Visa® is accepted
  • Easily replaced if lost or stolen

Upcoming Travel

Do you have upcoming travel plans? Please contact your banking center to let them know!

In an effort to protect against fraudulent activity, First State Bank debit cards need to be activated in order to work in countries outside of the United States as well as certain states within the United States. In the United States, if there is a block, you may only be able to use your PIN and transactions may need to be under a specific amount, depending upon the type of block that has been placed.

If you are planning to travel, please let us know so we can be sure to activate your card to coincide with your travel dates.

Business Credit Cards

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business. 

No matter which card you choose, your business will benefit from important features like: 

  • Free online expense reporting tools.
  • No fee for additional employee cards.
  • Mobile payment capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.

* Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply. The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Spend some cash, earn cash back - with the credit card of your choice.


  • Different credit cards to fit many needs
  • Low annual fee
  • Pay for large expenses
  • Use online or in person
  • Ease record-keeping
  • Easily replaced if lost or stolen

Visa® Business Cash Card
This card earns up to 3% cash back, every month.

Visa Business Real Rewards Card
With this card, you can earn 1/5X the points for every $1 spend, every month (equal to 1.5% cash back).

Visa Business Rewards Plus Card
This card earns up to 3X the points for every $1 spend, every month (equal to up to 3% cash back).