Debit Card Combine all the benefits of an ATM Card with the worldwide shopping acceptance of Visa®. It looks like a credit card, but works like an electronic check. You can use it to pay for purchases anywhere you see the Visa® symbol and the purchase amount is automatically deducted from your checking account.

To report a lost or stolen Visa Debit Card, please call 800.472.3272

24/7 reach a Live Representative

With the Visa® Debit Card You Can:

  • Pay for purchases anywhere
    Forget about the hassle of writing a check, showing ID or waiting for check approval.
  • Shop by phone and online
    Shop from the comfort of your own home while in your pajamas and slippers.
  • Keep track of purchases
    Card purchases are itemized on monthly account statements with descriptions and dates.

Frequently Asked Questions

Am I protected if my card is lost or stolen? 
Yes. You are not liable if you notify The State Bank or call 800.472.3272 within two business days of discovering that your card is lost or stolen.

How does My Visa® Debit Card differ from a credit card? 
With a credit card, you're borrowing money with the intent to pay it back either in full or over time. With your Visa® Debit Card, you're using funds directly from your checking account. The purchase amount is automatically deducted from your checking account just like with a check. Each transaction amount, with the merchant description and date, is detailed on your monthly statement.

Do I have a daily spending limit? 
Our personal bankers will give you more information about your daily limit when you apply for the card.

How do I use the card to obtain cash?
If you are traveling and need cash, you can visit any financial institution that offers Visa® and obtain a cash advance by presenting your Visa® Debit Card at the teller window. You can also use the card to get cash at any ATM displaying the ACCEL® logo, or ask for cash back when you use your card to make a purchase. Remember, the availability of the cash is limited by the balance in your checking account.

How do I use the card internationally?
The State Bank takes your account security very seriously and is fighting against debit card fraud. If you are planning a trip out of the United States, please notify Customer Service at 810-629-2263 of your travel dates, and the countries you will be visiting. This will allow us to provide you access to your card while you are abroad.

Effective March 1, 2017 there will be a 3.0% fee on all ATM and point of sale transactions initiated outside of the United States, please contact us with any questions.

Are there any countries where transactions are blocked?

Blocked Countries

Effective December 1, 2014, The State Bank will begin blocking international debit card transactions. As studies have revealed, blocking international transactions is one of the most effective means of deterring debit card fraud. Below is the list of blocked countries.

Afghanistan Colombia Korea, Democratic People’s Republic of Saudi Arabia Turkey
Albania Cuba Korea, Republic of Serbia Uganda
Algeria Cyprus Liberia Sierra Leone Uganda
Argentina Czech Republic Malaysia Slovakia Ukraine
Armenia El Salvador Mauritius Slovenia United Arab Emirates
Azerbaijan France Mexico Somalia United Kingdom
Bahrain Georgia Mozambique South Africa Uzbekistan
Bangladesh Germany Nigeria South Sudan Venezuela, Bolivarian Republic of
Belarus Hong Kong Panama Spain Vietnam
Bosnia & Herzegovina Ireland Qatar Sudan Yemen
Brazil Kazakhstan Romania Taiwan, Republic of China
Canada Kenya Russian Federation Tajikistan

To get more information about The State Bank Visa® Debit Card contact us or stop in at one of our local branches.

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