Card Services

SBT ATM/DEBIT CARD

The SBT ATM/Debit Card is a safe and convenient way to access your checking account at ATM locations and is also accepted at any business worldwide where VISA cards can be used. It allows you to deduct purchases from your SBT checking account without the hassle of writing a check. Better yet, the card is safer than cash!

Plus, ATM/debit card holders will never pay ATM transaction fees at any terminal in the Priveleged Status network. For a listing of Privileged Status ATMs, contact your local SBT office or click here and scroll to the bottom of the page to find the location of a Privileged Status ATM near you.

If you’re going on a trip, it’s IMPORTANT that you inform your financial institution(s) about the following information so they are aware of your location and don’t mistake any transactions for fraudulent activity:

Where are you going? Specific locations are requested, such as states and/or countries you will be traveling to.
When are you leaving and when will you return?
Should you temporarily raise your limit for cash withdrawals and point of sale transactions on your debit card? Check your dollar limits because they may be lower than you think.
What is your cell phone number or a number you can be reached at? This will only be used in case we have any questions or suspicion of fraudulent activity.
Call SBT if you have any issues while you’re traveling. We can be reached toll free at (800) 367-5500 or locally at (319) 352-6000.

LOW RATE. REWARDS. CASH BACK.

State Bank & Trust Company offers a credit card to match your lifestyle. You get to make the choice to apply for a Visa Classic or Mastercard Standard, Visa Platinum, or MasterCard Gold. Each card will provide you with convenience, reliability, and flexibility that you would expect from a credit card. With very competitive rates and no annual fee*, there has never been a better time to enjoy these benefits:

Great Introductory Rate!
No annual fee!*
Acceptance at over 29 million merchants worldwide
Automatic and online payment availablity
24 hour customer service at 877-954-0190
Zero liability on lost and stolen cards
Travel Accident Insurance

In addition to the benefits listed above, each product has its own unique benefits:

VISA CLASSIC & MASTERCARD STANDARD

Competitive Interest Rate

VISA PLATINUM REWARDS

Register your card and earn points for each dollar you spend using your Visa card. You then can
redeem your accumulated points for rewards such as travel, merchant
certificates and more!
Visa assistance center

MASTERCARD GOLD WITH CASH BACK

Earn cash back - rewards on your total net purchases per year
Purchase Security. Most new purchases are covered against theft or damage
For a full 90 days from the date of purchase! Certain restrictions apply.

* No annual fee the first year and every year after if at least four purchases per year are made. Otherwise, $20.