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ATM/Debit Cards

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With our bank cards, the power of State Bank & Trust Co. is always in your pocket. Simple to use and safe, our ATM and debit cards are perfect for easy transactions and everyday expenses.

Debit Cards

State Bank & Trust Co. Debit Cards are accepted at any ATM that displays the Cirrus or Shazam logo, worldwide. Additionally there is no ATM charge at Privileged Status ATMs and no monthly or annual fees*. All debit cards are now equipped with the added security of an EMV chip. 

*If you use an ATM not owned by State Bank & Trust Co., the owner of the ATM may charge you a transaction fee. There is a $3 fee per deposit exceeding two deposits per cycle made at non-State Bank & Trust Co. ATMs. 

ATM Cards

Gain quick, almost-anywhere access to your bank account. Check your balance or make a transfer to another account. With an ATM card, you can manage your bank accounts from any ATM in Iowa, or any Cirrus™ or Shazam™  ATM worldwide.

ATM/ Debit Card Comparison
ATM Card EMV Debit Card
No Transaction Fees* No Transaction Fees*
No ATM Charges at SBT or Privileged Status ATMs No ATM Charges at SBT or Privileged Status ATMs
Accepted at any ATM that displays the Cirrus or Shazam logo worldwide Accepted at any ATM that displays the Cirrus or Shazam logo worldwide
If a merchant allows you to enter a PIN to make a purchase, you can use your ATM card. If a merchant accepts MasterCard, they'll accept your State Bank & Trust Co. debit card. Insert the EMV chip or swipe the card and funds will be withdrawn from your checking account.
Availability of SecureCode from MasterCard
Detailed transaction information appears on your monthly statement
EMV Debit Card Features

Purchase Rewards

Shazam Bolt$ - Register your card for purchase alerts
$15 Annual Fee $15 Annual fee or Free**

Non-State Bank & Trust Co. ATM deposits in excess of two per statement cycle - $3.00

*Other banks may change a surcharge for ATM use.

**Fall below 10 debit card transactions per month there is a $2 monthly fee.

ATM Locations

Report a lost of missing card

Register your card with SecureCode from MasterCard

Credit Card


Whether you are looking to start building credit or you want to earn rewards whenever you spend money, you can learn about and apply for our credit cards here. Click here to learn more about our credit cards.