To report a lost or stolen 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 888.297.3416

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



Debit MasterCard® BusinessCard

With a Debit MasterCard ® BusinessCard, you will get all of the ease, convenience and purchasing power you need in a card that's designed for businesses like yours. This card gives you and your authorized employee’s convenient access to the funds in your business checking account, and you get the worldwide acceptance of the MasterCard ® logo.

Mobile Wallet

Apple Pay and Google Pay for Mobile Wallet is now available. Enjoy the simplicity of making contactless, secure purchases in stores, in apps, and on the web using your iPhone or Android device. Link your FSBT Debit Card by following these steps: Open up Apple Pay or Google Pay on your iPhone or Android device.

Agree to Apple’s or Google’s usage agreement.

Select Add Credit or Debit card.

Enter in your card details manually or allow app to take picture of your debit card. Make sure that all of the information is entered correctly. Agree to FSBT’s terms and conditions for using the Mobile Wallet. Activation. Select text message or email to receive a one time password to activate your debit card in Mobile Wallet. Make sure your contact information is up-to-date with FSBT.

Call FSBT to activate your debit card if the text or email one time password option is not available. Please contact us at 651.439.5195 if you need any assistance.

Debit Card Fraud Center

Our Fraud Center proactively monitors our client’s debit card activity to protect against fraudulent transactions. When potential debit card fraud is detected, an email and text alert will be sent to the client with the option to confirm or deny fraud. If no response is received, the Fraud Center then tries to call the phone number on file for the client. If fraud is confirmed, they are able to block the card from any further transactions and are in touch with our Operations Department to order a new debit card.

Because of the Fraud Center’s procedures to help protect you, it is imperative that we always have your current contact information, especially your cell phone number and email address. If either of these change, please notify First State Bank and Trust and we will be sure to update your records.

It is also encouraged that all of our client’s add the Fraud Center to their phone contacts: 1.800.237.8990.



Merchant Card Processing

For small businesses, we offer credit card processing that is both affordable and easy to manage. We can enable your business to accept Visa, MasterCard ® and other major credit cards through our relationship with Elavon Merchant Services.

Credit Cards

Choosing the right business credit card is easier than ever.

No matter which card you choose, you’ll enjoy important features like:

Expense management tools

No fee for additional employee cards

EMV smart chip technology for added security

Mobile payment capability for added convenience

Let’s get started...

Flexible Cash Rewards For Your Business.

Visa® Business Cash Card



3% cash back 1 on eligible net purchases from office supply stores,

phone and TV services 2,4

on eligible net purchases from office supply stores, phone and TV services 2% cash back on eligible restaurant and gasoline net purchases

1% cash back on all other eligible net purchases

$25 cash back awarded after first purchase 3

Rewards To Use The Way You Want. 4



Visa® Business Real Rewards Card

Earn 1.5 points monthly for every $1 you spend on eligible net

purchases (equal to 1.5% cash back) 5

purchases (equal to 1.5% cash back) No cap or limit on the number of points you can earn, and you

have five years to redeem for rewards 4

have five years to redeem for rewards 2,500 bonus rewards points awarded after first purchase 3

Visa® Business Rewards PLUS Card

Earn 3 points monthly for every $1 you spend the most on:

cellular phone service, hotel, or airline 6

cellular phone service, hotel, or airline Earn 1.5 points monthly for every $1 you spend on eligible

net purchases

net purchases Plus, earn 20,000 one-time bonus rewards points after you

spend $2,000 in the first 3 months 3

spend $2,000 in the first 3 months No cap or limit on the total cash back you can earn, and you

have five years to redeem for rewards 4



Pay Down Balances.



Visa® Business 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



Please visit your nearest branch to apply.

