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Business Credit Cards

Your Solution for Managing Employee Expenses

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Visa® Business Credit Cards

FSB is now issuing “chip” cards for new credit card accounts. If you already have a card, yours will be upgraded at your next renewal. You can use the traditional “swipe” method or insert the card, then simply sign for your purchase as you do now! PIN numbers are only used for cash advances.

For questions or more information, please call us at 319-832-1201 or send us an email.

Just like your personal credit card, we approve and service each Visa® Business credit card right here at FSB, allowing you to manage your employees’ business expenses with ease.

  • Travel Coverage and Benefits
  • Local customer service
  • 24/7 Account Access
  • Earn ScoreCard® Rewards

MyCardStatement.com       ScoreCard®


Call us at 319-832-1201 or send us an email.

Lost/Stolen Debit or Credit Card

Please contact us immediately.

Rates and Fees

Interest Rates and Charges

Visa® Business

Annual Percentage Rate (APR) for Purchases

10.50% This APR will vary with the market based on the Prime Rate

APR for Cash Advances

15.40% 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.


Visa® Business 

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



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 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.

Email messages are sent over the internet and are not sent in an encrypted or secure format. Do not send account numbers, social security numbers or other confidential information using any email link available on this website.


Call us at 319-832-1201 or send us an email.

Personalization Settings


Farmers State Bank would like to personalize your banking experience. Please enter your first name below.

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to the web server.

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