Debit Cards

Important Phone Numbers

Whether you're searching for the number to call if your card is lost or stolen or you just need to know who to notify when you travel, the information below will answer your questions and give tips for keeping your card safe. 

  • Monday thru Friday, 8 a.m. to 5 p.m.
    • 903-676-1900
  • After hours, weekends and holidays:
    • 800-472-3272 to report a lost or stolen debit card
    • 800-262-2024 if your card has been blocked

Please call us if you plan to use your debit card internationally.  As a precaution, we do not allow foreign country transactions unless notified by the customer prior to travel outside the U.S. 


ATM Withdrawals

You can make an ATM withdrawal at any of our six locations or any Austin Bank without incurring any fees. A list of our six locations can be found here.

Custom Debit Cards - Reflect YOUR Style

Get a card that's as unique as you are.  We now offer a wide variety of custom designs from animals to hobbies. Choose a design to customize your debit card and add a little fun to your wallet!

Custom Debit Card Options2

Custom Debit Card Fees

A standard (non-custom) debit card will be issued when opening a new account at no charge.

Cost per customized card - $10

Expiring card - $10 to replace with custom image

Lost/stolen card - $10 to replace with custom image


  • Contact any branch to order.
  • Normal processing and delivery times will apply. Customer pick up instant issued cards are available for an additional $20.00.



Debit Card Fraud Notification

Interactive (two-way) text alerts keep your accounts safe.

Using your First State Bank card is simple.  Now, fraud monitoring is just as seamless.

  • Our fraud monitoring network watches for suspicious or unusual transactions
  • If a suspicious transaction appears on your card, you'll receive a text asking if it's legitimate
  • Text back to confirm or deny the transaction
  • Simple, quick and easy

Interactive Video Player


Help safeguard your cards from fraud with CardValet®


Your card, on your terms

CardValet® allows you to turn your debit card "on" or "off" anytime. When they are "off"..... no one can use your cards. Turn them "on" when you are ready to use them.

  • Let's you define locations where your card can be used
  • Limit purchases by the type of merchant
  • Set limits on the dollar amount of transactions
  • Control family spending by defining how, where, and when family members use cards
  • Schedule alerts

Instantly change your setting via your mobile phone, giving you complete control over your debit card.

Learn more about CardValet® by viewing this brief demonstration video.

Interactive Video Player

The CardValet® app can be downloaded from the Apple App store or Google Play Store, review the Quick Reference Guide for instructions on setting up your cards.

Download CardValet for Android  Download CardValet for iOS

Please note:

  • Businesses may use CardValet®.
  • CardValet® does not override First State Bank's other fraud protection measures, but is an addition to them.

Debit Card Rewards Program

First State Bank Rewards is the program that rewards you for using your debit card.  Consider it our little "Thank You" for being a loyal customer.  It's easy!  We'll give you points for simply using your First State Bank Debit Card to purchase merchandise or services.  Then, redeem your points and receive great gifts and merchandise.

Who do I contact to reset my pin? 

The card owner can have the pin reset at any of our branch locations during normal business hours.

Do I need to notify the bank when I travel?  

Yes, it is recommended that you notify the bank (903 676-1900) before you travel to prevent a fraud alert from being placed on your account.  An alert can be removed by contacting 1-800-472-3272.

Do I have a daily access limit on my debit card?

Each personal account cardholder has access up to a $1,000 daily cash limit for ATM transactions and $3,000 for daily point of sale transactions.

Each business account cardholder has access up to a $1,000 daily cash limit for ATM transactions and $3,000 for daily point of sale transactions.

The same withdrawal limits apply for both Saturday and Sunday transactions.  Please be aware that your available balance is subject to the date your transaction is processed by the merchant. This amount is generally sufficient for most debit card users.  If you need a higher limit, please contact us at 903-676-1900 or email us at and we will be glad to work with you to increase your daily limit.

What is my credit card secure code, as requested for online purchases?  

For Visa, MasterCard, and Discover cards, the card code is the last 3 digit number located on the back of your card on or above your signature line.

What is the cost of replacement card?

A fee of $10.00 will be charged for each new card re-issued.

How do I get a new card?

Contact a new account representative at any of our locations. 


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