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Smart Credit Card Choices Start Here


Button Business Credit Card

Business Credit Card

Button Business Card Rates

Business Card Rates & Fees

Button Commercial Card

Commercial Card

Button Business Lost Card

Lost or Stolen Card?

Why pay with one of our credit cards?

  • Enjoy peace of mind with constant access to real-time account information
  • Streamline your monthly payments
  • Reduce administrative expense through online control
  • Earn more through rewards or cash back
  • Extend the use of your cash to help with short-term cash flow issues
  • Real-time text fraud alerts (no signup needed)

Our Business Credit Card

Enjoy local customer service and online account management. Plus, these benefits:

View your account online and make payments at:

Ready to get started?

Call or Stop In 

Business Credit Card Rates and Fees

Interest Rates and Interest ChargesVisa® Business

Annual Percentage Rate (APR) for Purchases

8.25% This APR will vary with the market based on the Prime Rate

APR for Cash Advances

13.15% This APR will vary with the market based on the Prime Rate

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau.


Annual Fee


Transaction Fees

International Trans Fee


Penalty Fees

Late Fee

Returned Payment Fee




All applications are subject to credit approval. All loan applicants must be at least eighteen (18) years of age.
In allocating our resources, primary consideration shall be given to existing or potential customers with economic interest in Farmers State Bank’s primary and secondary trade areas. In general, the primary trade area of the bank shall be all of Linn County, Iowa and the secondary trade area shall be the nearest one half of the contiguous Iowa counties of Buchanan, Cedar, Delaware, Jones, Johnson & Benton.

How We Will Calculate your Balance

We use a method called “average daily balance (including new purchases).”

The information about the cost of the cards described in the application is accurate as of April 2021. This information may have changed after that date. To find out what may have changed, call us at 319-832-1201 or write to us at:

Farmers State Bank
PO Box 569
Marion, IA 52302

For more information, or to request a copy of your Cardholder Agreement, call FSB’s Credit Card Department at 319-832-1201 or email the Credit Card Department.
This email is not secure, please do not include sensitive financial information.

Our Commercial Credit Card

If you currently have multiple employees using credit cards or are using several credit card providers, and you typically have a high spend volume, this may be the right card for you. Enjoy local service, online account management, and real-time control of cards and transaction downloads.

  • Adjust employee spending limits
  • Consolidated billing
  • Get cash back when minimum spending thresholds are met
  • 24/7 Account Access
  • And so much more!

Contact us for rates and fees for the Commercial Credit Card.

Ready to to get started?

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Lost/Stolen Debit or Credit Card?

Contact Us


“I love being able to partner with a family-owned bank because I know they always have my back. In our business, we can have more than two dozen construction loans going at any given time, but they always make sure we don’t miss a payment deadline. To me, that’s going above and beyond … and it’s what I’ve come to expect from FSB!”

Hannah Kustes
Co-owner of Abode Construction



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