To report a lost or stolen FSBT Debit MasterCard® or ATM card, please call the bank at 651.439.5195 or 800.848.4897 during business hours. During non-business hours, please call 866.546.8273.

To report a lost or stolen First State Bank and Trust credit card, contact our 24-Hour Cardmember Service at 800.558.3424.

Debit Cards

For increased security, please notify First State Bank and Trust if you are planning to travel or make an international purchase. Your card will not work outside of the country unless you notify us beforehand. If you plan on using your card at an ATM while traveling, please use the MasterCard ® ATM Locator to locate nearby ATM machines. Be sure to look for the MasterCard ® or Cirrus logo on the ATM machine to ensure your transaction will be processed successfully.

MoneyPass® Network

The MoneyPass ® ATM network provides our customers with thousands of surcharge free ATMs. Please visit www.moneypass.com for eligible locations. 

MasterCard® Benefits

Your new Debit MasterCard ® or Debit MasterCard ® Business Card, will include benefits like extended warranties on purchases and purchase assurance plans. Benefit details will be mailed with your new card or are available in each office. If you have additional questions, please visit www.mastercard.com or call 1.800.622.7747.

Credit Cards

Choosing the right credit card is easier than ever.
No matter which card you choose, you’ll enjoy important features like:
  • EMV smart chip technology for added security
  • Mobile purchasing capability for added convenience
  • Plus much more!
Pay Down Balances.
Visa® Platinum Card
  • Pay down your other credit card balances faster with a great low introductory rate for an extended time
  • Save on interest
  • Non-Rewards
Flexible Cash Rewards.
Cash Rewards American Express® Card
  • 3% cash back1 on the first $6,000 in eligible net purchases made
    each year at gas stations2,4
  • 2% cash back on eligible supermarket net purchases
  • 1% cash back on all other eligible net purchases
  • $25 cash back awarded after first purchase3
 
 
Rewards To Use The Way You Want.4
Visa® Real Rewards Card
 
  • Earn 1.5 points monthly for every $1 you spend on eligible net
    purchases (equal to 1.5% cash back)5
  • No cap or limit on the number of points you can earn, and
    you have five years to redeem for rewards
  • 2,500 bonus rewards points awarded after first purchase3
 
Premier Rewards American Express® Card
 
  • Earn 4 points for every $1 spent on eligible net restaurant
    purchases6
  • Earn 3 points for every $1 spent on eligible net airline purchases
  • Earn 2 points for every $1 spent on eligible net gas purchases
  • Earn 1 point for every $1 spent on all other eligible net purchases
  • Plus, earn 10,000 one-time bonus rewards after you spend
    $1,000 in the first 3 months3.
  • No cap or limit on the number of points you can earn, and you
    have five years to redeem for rewards4
  • Reimbursement for either Global Entry or TSA Pre✔®7
 
Build Your Credit.
Visa® Secured Card
  • Provides an excellent opportunity for someone starting a credit
    history or for someone who has been turned down for a credit
    card. If you need to improve or re-establish your credit history8,
    here's a great way to begin that process.
  • Enjoy the convenience of credit including the option to carry a
    balance while earning interest on your secured savings account.
 
Visa® College Real Rewards Card
  • Earn 1.5 points monthly for every dollar you spend on eligible
    net purchases.5
  • No cap or limit on the points you can earn, plus you have
    five years to redeem points for rewards4
  • 2,500 bonus rewards points awarded after first purchase3,
    redeemable for $25 cash back, merchandise, gift cards or
    travel savings.
 
1 Reward points can be redeemed as a cash deposit to a checking or savings account with this Financial Institution or as a statement credit to your credit card account within one to two billing cycles.
2 Cash Rewards Card: “Cash Back Rewards” are the rewards you earn under the program. Cash Back Rewards are tracked as points and each point in Cash Back Rewards earned is equal to $0.01. You may simply see “Cash Back” in marketing material when referring to the rewards you earn. You will earn Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of eligible Net Purchases charged to your Account during each billing cycle for any merchant classified as a supermarket. The number of additional Points earned on supermarket Purchases is unlimited. In addition, you will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations, up to a maximum of $6,000 spent during each 12-month period commencing on the anniversary date of this Account. Automated fuel dispenser and service station purchases above $6,000 (for the remainder of that 12-month period) will earn at a rate of 1 Point for each dollar of Net Purchases charged to your Account during each billing cycle. Points expire five years from the end of the quarter in which they are earned.
3 Bonus rewards points or cash back will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. One-time bonus rewards will be awarded after eligible net purchases totaling $1,000 or more are made to your account within three months from account opening.
4 The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).
5 Real Rewards: You will earn 1.5 Reward Points (“Points”) for each dollar of eligible Net Purchases made with your Account within a billing cycle (equal to 1.5% cash back). Monthly net purchase points will be applied each billing cycle. Points expire five years from the end of the quarter in which they are earned.
6 Premier Rewards Card Points: You will earn 1 Reward Point (“Point”) for each dollar of eligible Net Purchases charged to your Account during each billing cycle. You will also earn 1 additional Point (for a total of 2 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchants which categorize their business as a service station or automated fuel dispensers. You will earn 2 additional Points (for a total of 3 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at merchant locations that are classified in the merchant category code of airlines. You will earn 3 additional Points (for a total of 4 Points) for each dollar of Net Purchases charged to your Account during each billing cycle at any merchant classified as a restaurant. Points expire five years from the end of the quarter in which they are earned.
7 Certain limitations and restrictions may apply. Further details are available in the Guide to Benefits which is provided to new cardmembers upon approval.
8 Late payments and going over the credit limit may damage your credit history.
The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc. and American Express. American Express is a federally registered service mark of American Express.



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WHERE IT BELONGS

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LOST OR STOLEN CREDIT CARD

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