Account Services

• 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

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

• 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.

Includes:

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.

• 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 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.

• 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