Welcome, Guest to Farmers State Bank

Personal Credit Cards

The Simplicity and Convenience of Instant Buying Power from People You Trust.

Visa Credit Card

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.

Our Visa® credit cards are approved and serviced right here at FSB. Enjoy the purchasing power you want with the card you need!

  • Low Rates
  • No Annual Fee
  • Travel Coverage and Benefits
  • Local Customer Service
  • 24/7 Account Access
  • Earn ScoreCard® Rewards

 

MyCardStatement.com  Apply Now   ScoreCard®

Questions?

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 Interest Charges

Visa® Platinum Preferred

Annual Percentage Rate (APR) for Purchases

3.9%* intro rate (for 6 months) to 10.25%. This APR will vary with the market based on the Prime Rate as published in the Wall Street Journal

APR for Balance Transfers

3.9%* intro rate (for 6 months) to 10.25%. This APR will vary with the market based on the Prime Rate

APR for Cash Advances

3.9%* intro rate (for 6 months) to 10.25%. 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 and balance transfers 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

 Visa® Platinum Preferred

Annual Fee

None

Transaction Fees


International Trans fee

 

 

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

Penalty Fees
Late Fee
Returned Payment Fee

 

Up to $30
Up to $30

*Existing FSB credit card transfers not eligible
In the allocation of resources available for loans, 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 this 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 and Benton.
All loan applicants must be at least eighteen (18) years of age. All loans subject to credit approval.

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 October 2018. 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.

Personalization Settings

Welcome

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.

Please do not remind again