Life gets more hectic and more demanding every day. You need a bank that is there for you when and where you need it, 24 hours a day, 7 days a week — whether you’re banking online, considering loan options or setting up automatic bill pay. First State Bank is connected for you, to you, through our extensive Internet banking resources. Your accounts are always available — by phone, online and at multiple ATMs and branches.

First State Bank Visa® Debit Card

First State Bank offers a VISA® Check Card that gives you a faster, more convenient way to purchase the products and services that you need. Our card allows you to withdraw funds from your checking account without ever having to write a check.

You may use your card wherever VISA® debit is accepted. Plus, our VISA Check Card performs all of the functions of an ATM card.

Your First State Bank Visa® Check Card is also part of a surcharge free ATM network. To locate a surcharge free ATM, simply click on the link below


As an added safety precaution, you may turn your card on or off by using our Mobile Banking app or our Online Banking product. So when you are not using your card, simply turn your card off to protect your card from fraud.

More Options

Looking for a way to support your local school? Get one of our new Tuscola Warriors or Monticello Sages debit cards and support your school with every non-pinned based swipe of this card.

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Apply Today!

To apply for your VISA® Check Card, simply stop by any of our branches for an application or contact any of our Personal Banker’s for more details.

Verified by Visa®

Verified by Visa® helps ensure that only you can use your Visa® card to buy online. Register today! It takes just a few minutes to activate. Password-protect your Visa® card for added safety online.

Verified by Visa®


Use your First State Bank Visa® debit card to access your accounts from thousands of locations worldwide.

Direct Deposit

Have checks, payroll, etc. automatically deposited into your preferred account.

Safe Deposit Boxes

Boxes in a variety of sizes are available for storing and securing valuable possessions and documents.

24-Hour Banking (800) 583-0076

First State Bank offers you FIRSTVoice Phone Response Line to check on your accounts anytime day or night, 7 days a week, 24-hours a day. Customers at First State Bank can obtain current information about their Checking, Savings, IRA, Certificates of Deposit, and Loans.

For First State Bank customers, our easy-to-use phone "menu" will guide you through! Simply have your Account Number and your Personal Identification Number (PIN) ready when you call the toll free number at 1 (800) 583-0076.

  • In order to protect the confidential information contained in your records on the FIRSTVoice system, a 4-digit personal identification number (PIN) is necessary to access your information. Please contact our Customer Service Representatives to obtain your PIN. You may change your PIN at any time by selecting Option 4 on the FIRSTVoice banking menu, or in person during our lobby hours.
  • Should you wish to utilize the option for Transfer of Funds from one account to another, it will be necessary for you to contact us at (217) 762-9431 . We are required to make certain on-line adjustments in order to activate this transfer option, after which you will be able to transfer funds as often as you like without contacting the bank again.
  • When obtaining Mortgage or Installment Loan information, please be prepared with the last 8 digits (your borrower number) and the first 5 digits (your loan note number). A total of 13 digits is required.
  • When obtaining Revolving Credit Loan (overdraft protection) information, please have your borrower (checking account) number ready.

Questions? Call (217) 762-9431 or email

Report a Lost or Stolen First State Bank Card

Debit Card

During regular banking hours, Monday through Friday, 8:00 a.m. to 5:00 p.m., please contact our customer service department at any of our locations.

During non-banking hours, please call our debit card processor at 1-800-264-4274. Our processor is CSI (Computer Services, Inc). A CSI staff member will ask you questions to verify your identity and will then cancel your card. Card re-issuance will be handled by us.

Credit Card

During banking and non-banking hours, please call our credit card processor at 1-800-221-5920. Our processor is FIS. Their customer service department will handle the card cancellation and re-issuance.