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Personal Card Services

Instant issue EMV Chip Mastercard® Debit Card

  • Get funds from any ATM
  • With SHAZAM’s Privileged Status® program-
    enjoy access to thousands of
    surcharge-free ATMs throughout the
    country.
  • More secure than cash
  • Instant Issue card available for immediate use
  • Funds deducted immediately from account
  • Easier then writing a check
  • Save check printing fees
  • Conserve paper
  • Limited liability if lost/stolen
  • Monthly statement
  • If lost or stolen, receive a replacement card within minutes at any of our branches

Shazam Privilege Status Surcharge Free ATM Locator

SHAZAM FALCON

Protecting you from unauthorized use of your debit card is one of our top priorities at State Bank of Waterloo. To mitigate fraud, we have partnered with SHAZAM, our electronic funds transfer network, to implement a monitoring system called SHAZAM Falcon, to help 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 if the transactions in question.

If you believe a transaction has been denied due to suspected fraud after normal business hours, you may call the SHAZAM Fraud department for assistance, 866-508-2693.

CREDIT CARDS

  • Accepted Worldwide
  • Standard or Preferred Points MasterCard®

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, the APR* for purchases and cash advances is the same. 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.

To Apply Now

  • Download the PDF of the application.
  • Type the information and then print the application or print it first and then complete it using a blue or black pen. Paper applications are available at any of our locations.
  • Supporting documents vary depending on the type of business you have. Fax your completed application to the Card Service Center at 972-650-7054.
  • Or bring completed application to any of our locations.
  • Or mail your completed application to:
    Card Service Center
    PO Box 569120
    Dallas, TX 75356-9120

*Please see application for information about current APRs and fees

Preferred Points Card

Benefits

  • Use your Preferred Points Card to earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
  • Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards 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, the APR* for purchases and cash advances is the same. 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.

To Apply Now

  • Download the PDF application.
  • Type the information and then print the application or print it first and then complete it using a blue or black pen. Paper applications are also available at our local branch office.
  • Fax your completed application to the Card Service Center at 972-650-7054.
  • Or bring completed application to any of our locations.
  • Or mail your completed application to:
    Card Service Center
    PO Box 569120
    Dallas, TX 75356-9120

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

 

MasterCard Secure Code

Transactions are more secure with MasterCard SecureCode.  MasterCard Secure Code

MasterCard SecureCode is a private code for your MasterCard account that you can use when you're shopping online.  Click the image above to sign up!

Report A Lost Or Stolen Card

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

For assistance after regular banking hours or on the weekends, please call 1-800-383-8000.

If you believe your transaction has been denied due to suspected fraud after normal business hours call 866-508-2693, Shazam Falcon Fraud Department.

free checking

Get rewarded in ways that matter every month.  Choose between high interest earnings or cash back on your debit card purchases.  You'll also get refunds on your ATM fees, nationwide.*  On top of that, enjoy our award-winning service, value-oriented products, and conveniently-located branch offices for any of your banking needs.  Learn More

bills

Bill Pay

Sign up for FREE bill pay service and you can virtually pay anyone, anytime, anywhere you have internet access. It’s a snap to pay your bills without writing checks or paying for postage. It only takes seconds to enroll. Login to Online Banking to sign up today!