Personal Card Services

We offer a variety of card payment options! Whether you are looking for the security and convenience of an instant-issue debit card, or a credit card that allows you to decide how you want to be rewarded, State Bank has the right card for you.

Debit Cards

Get your card today with Instant Issue!
A convenient way to pay
Use at any ATM
With SHAZAM’s Privileged Status^® program - enjoy access to thousands of surcharge-free ATMs throughout the country
More secure than cash
Limited liability if loss or theft occurs
Monthly statement helps you easily track your transactions

SHAZAM SURCHARGE FREE ATM LOCATOR Mastercard Guide to Benefits New or Replacement Card

Card Control

Enjoy the added security of Card Control. Pause your debit card by blocking and unblocking it whenever you want using our mobile app.

Shazam Fraud Protection

Protecting you from unauthorized use of your debit card is one of our top priorities at State Bank. To mitigate fraud, we have partnered with SHAZAM, our electronic funds transfer network, to implement a monitoring system called SHAZAM Falcon. This system will help to guard your debit card against fraudulent activity. If suspicious activity is detected on your debit card, you will be contacted by the Bank, or a SHAZAM fraud specialist calling on our behalf, to verify the transactions in question. Remember, State Bank will not contact you to ask for information like your online banking credentials, account number, or social security number.

NOTE: If you believe a transaction has been denied due to suspected fraud and it is after normal business hours, contact the SHAZAM Fraud department for assistance, 1-866-508-2693.

Traveling?

Let us know where you are going and we will notify the monitoring system of your temporary location so that transactions will not be denied due to suspected fraud. Contact us or complete this Travel Notification.

Submit a Travel Notification

Report a Lost or Stolen Card

To report a lost or stolen debit card, please contact customer service at 618-939-7195.

For assistance outside of regular banking hours, please call 1-800-383-8000.

Credit Cards

Accepted worldwide
Low Rate or Preferred Points MasterCard® options available
All the benefits you expect from your card
Download the app
- Apple
- Google

Low Rate Card

Benefits

Competitive annual percentage rate (APR)*
24-hour toll-free live customer assistance available at 800-367-7576
Online account information available 24/7 at www.cardaccount.net
Rental car collision damage waiver protection
Unlike some card offers, we do not charge a higher rate for cash advances

Features

No annual fee!
Low introductory rate for the first six months^*
Competitive ongoing APR^*
25-day interest-free grace period on all purchases. No grace period on cash advances

Fees
Other fees may be charged, these fees are listed on the downloadable application.

*Please see application for information about current APRs and fees

Preferred Points Card

Benefits

Earn one point for each dollar spent, up to 10,000 points per month
You pick your reward! Redeem your rewards points for cash back, retail gift cards, travel and a wide variety of merchandise including sporting equipment, jewelry, luggage, electronics, video game equipment and more.
24-hour toll-free live customer assistance available at 800-367-7576
Online account information available 24/7 at www.cardaccount.net
Rental car collision damage waiver protection
Unlike some card offers, we do not charge a higher rate for cash advances

Features

No annual fee
Low introductory rate for first six months^*
Competitive ongoing APR^*
25-day interest-free grace period on all purchases. No grace period on cash advances
Cash advances can be made for up to 50% of the credit line
To view or redeem rewards points call 866-678-5191

Fees
Other fees may be charged, these fees are listed on the downloadable application.

*Please see application for information about current APRs and fees.

To Apply Now

Applying for a State Bank credit card is easy and convenient. Click the application link below or login to online banking and complete a quick application to get started. From online banking, you can login to view your statement and manage your credit card account as well. It’s fast, easy and totally secure!

Login to online banking and submit the quick app
OR Download the PDF of the application
- Complete the application and print or save it
  - Bring completed application to any of our locations and a Customer Service Rep will assist you
  - OR email it to banksupport@tib.bank
  - OR mail your completed application to:
    Card Service Center
    PO Box 569130
    Dallas, TX 75356-8999

Have Questions?

Speak to a Customer Service Rep at any of our locations to learn more about our card services. We’d be happy to hear from you!