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Business Credit Card

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Business Card Rates & Fees

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Commercial Card

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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:

  • ScoreCard® Bonus Points Reward Program.
  • Zero Liability for fraudulent charges
  • 24/7 Account Access
  • And so much more!

View your account online and make payments at: www.mycardstatement.com

Ready to get started?

Call or Stop In MyCardStatement.com 

Business Credit Card Rates and Fees

Interest Rates and Interest ChargesVisa® Business

Annual Percentage Rate (APR) for Purchases

9.75% This APR will vary with the market based on the Prime Rate

APR for Cash Advances

14.65% 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.

Fees

Annual Fee

$0 for the first year and every year you charge at least $5,000 in net purchases on the account; otherwise, $25.

Transaction Fees

International Trans Fee

1% of each international transaction in U.S. dollars

Penalty Fees

Late Fee

Returned Payment Fee

 

$30

$30

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 November 2019. 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?

Call or Stop In

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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