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First State Bank customer enjoying a Business Debit Card

Business Debit Cards

Everyday expenses. Cash withdrawals. Secure transactions. Just three reasons every business needs a business debit card.

Apply for the Visa® CheckCard for convenient access to your First State Bank of St. Charles business bank accounts. Use your debit card for day-to-day work expenses everywhere Visa is accepted, for cash withdrawals at thousands of ATMs, and for and balance inquiries.

  • Safer and more convenient than writing a check
  • No annual fees or application fees
  • Transaction and account balance tracking online or on your mobile device
  • Easy account access through a network of more than 40,000 no-fee MoneyPass ATMs2
  • Peace of mind of Visa Zero Fraud Liability Protection1 for unauthorized transactions

3 Ways to Apply for a Business Debit Card

  1. Visit your local bank branch and ask for an application.
  2. Download an application and mail to First State Bank, 206 N. Fifth Street, St. Charles, MO 63301.
  3. Download an application and fax the completed form to (636) 940-5566.

Upon request, we offer a temporary debit card for immediate access to your account funds until your permanent card arrives in 7-10 business days.

Lost or Stolen Debit Cards

Please report a lost or stolen debit card to the bank as soon as possible.

During normal business hours, call 636-940-5555.

After regular business hours, call our Debit Card Hotline at 1-800-472-3272.

Fraud Alerts

Debit card fraud alerts are an important way to keep you aware of any suspicious transaction activity in your account. You’re automatically enrolled when you order a debit card.

Should we detect suspicious activity, we’ll send a message to your mobile number. Customers with landline phone numbers will receive a voice message alert. To update your mobile or landline number, contact us at 636-940-5555.

Texts from this service will appear on your mobile device from 877-253-8962 and begin with “FreeMSG 1st State Bk St Charles Fraud Center.” If you receive a text, please confirm the transaction and reply with “yes.” If you did not authorize the transaction, reply with “no.”

Please note: First State Bank of St. Charles will never contact you via phone, text, or email to request any sensitive personal information such as your Digital Banking password or PIN.

Frequently Asked Questions

A few common questions, answered.

Notify First State Bank immediately by calling our Customer Care team at 636-940-5555. They’re available Monday-Friday, 8:30 a.m. – 5 p.m., and Saturday, 9 a.m. – 12 p.m. CST. Your lost or stolen debit card will be suspended and a new one issued for a $6.00 fee. After regular business hours, please contact our card hotline at 1-800-472-3272.

After reaching the hotline to cancel your current card, please contact the bank on the next regular business day to order a replacement card. For more detailed information, please refer to your Customer Agreement.

Call 1-800-992-3808 to reset your PIN.

Call our Customer Care team at 636-940-5555 Monday-Friday, 8:30 a.m. – 5 p.m., and Saturday, 9 a.m. – 12 p.m. CST for assistance or stop by any of First State Bank’s convenient locations during regular business hours. We will be more than happy to order you a replacement Visa debit card for a $6.00 fee.

As a precaution, you should always store your Visa debit card in your wallet or a protective case to protect the magnetic strip and keep it from being marred or damaged.

You can reduce your risk of fraud by not giving out your card information and by regularly checking your account activity online. If you suspect fraudulent activity on your Visa debit card, please call our Customer Care team at 636-940-5555 Monday-Friday, 8:30 a.m. – 5 p.m., and Saturday, 9 a.m. – 12 p.m. CST.

If you suspect fraudulent activity on your Visa debit card, please call our Customer Care team at 636-940-5555 Monday-Friday, 8:30 a.m. – 5 p.m., and Saturday, 9 a.m. – 12 p.m. CST. After regular business hours or on a holiday, please call our card hotline at 1-800-472-3272, then call the bank on the next regular business day to order a replacement card.

If you have plans to travel outside the country, please call our Customer Care team at 636-940-5555 Monday-Friday, 8:30 a.m. – 5 p.m., and Saturday, 9 a.m. – 12 p.m. CST before your trip to ensure your Visa debit card will work properly during your travels.

You’ll automatically receive a new debit card in the mail before the expiration date. Please activate the new card and verify that it functions properly, then destroy your expiring card.

Yes, as long as all authorized signers complete the application process and are approved for Visa debit cards. To begin the application process, call our Customer Care team at 636-940-5555 Monday-Friday, 8:30 a.m. – 5 p.m., and Saturday, 9 a.m. – 12 p.m. CST.

Disclosures

1Visa Zero Fraud Liability Protection provides coverage for unauthorized transactions. Visa Zero Fraud Liability Protection does not apply to ATM transactions or PIN transactions not processed by Visa. Consult your Visa Cardholder Agreement or contact Visa for specific details.

2The number of ATMs available in the MoneyPass network is subject to change.