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.
Visa Debit Card lets you:
- Pay for purchases around the world without the hassle of writing a check, showing ID or waiting for check approval
- Shop by phone and online
- Keep track of purchases -- every card purchase is itemized on your monthly checking account statement to include the merchant description and date
To report a lost or stolen Visa Debit Card, please call 800.472.3273.
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Frequently Asked Questions
Q. Am I protected if my card is lost or stolen?
A.Yes. You are not liable if you notify The State Bank or call 800.472.3273 within two business days of discovering that your card is lost or stolen.
Q. How does My Visa Debit Card differ from a credit card?
A.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.
Q. Do I have a daily spending limit?
A. Our personal bankers will give you more information about your daily limit when you apply for the card.
Q. How do I use the card to obtain cash?
A.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.
Q. How do I use the card internationally?
A.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 and Canada, 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. Click here for more information on our Debit Card Fraud Prevention system.