ATM Locator

Debit cards:

First Iowa State Bank offers the VISA debit card. You may access your checking account to purchase goods or services in person or by phone, get cash from a merchant, or from a participating financial institution. Debit cards will work anywhere VISA are accepted. This card will work with all First Iowa State Bank checking accounts. There is no annual charge for your card; if used less than 4 times per month there is a $2.00 monthly fee. This card is subject to approval.

Shazam Falcon® Fraud Management: 

 Shazam Falcon® fraud management is a card monitoring system that protects our customers from unauthorized use of Debit/ATM cards and fraudulent activity. If a suspicious transaction is detected, the customer will be contacted by someone at First Iowa State Bank or a SHAZAM fraud specialist calling on the bank's behalf to verify the transaction. 

Many fraudulent transactions are done over the internet or internationally.  If you will be traveling in the United States or abroad, please contact First Iowa State Bank and let us know the dates and locations.  This will help us in recognizing which transactions may be legitimate versus fraudulent.

To ensure prompt response to these fraud alerts we need to keep your contact information up-to-date. This includes cell phone numbers and a secondary phone number if possible.

  • First Iowa State Bank (641) 932-2144 during business hours.
  • SHAZAM Fraud Operations 1-866-508-2693 after hours or 24/7. 

Credit Cards: 

Your Life. Your Choice

Earn more rewards for all your everyday purchases.¹

3x the points

  • Grocery Stores
  • Discount Stores
  • Gas Stations
  • Restaurants and Fast Food

1x the points

All other purchases

Apply Online Today

for a 

Simply Rewards™

Visa® Credit Card


Call a Customer Service Representative for details


We make it easy to redeem

Access your account to see how many points you've earned through online banking or your monthly statement at

Redeem your reward points for Account Credits, Gift Cards, Travel, Entertainment and more.¹

Additional Visa Benefits

Fraud Protection

Visa's Zero Liability Policy means you won't be held responsible for any unauthorized charges made with your card or account information.²


Including auto rental coverage, emergency cash, travel/emergency assistance, warranty manager and more.³

Online Credit Card Control

View transactions, pay bills and track expenses.

Includes eStatements with 18 months of history.

Learn more about our competitive rates and fees.


Cardholder Self-Service Contacts

Online Account Access -

Rewards Points Redemption -

Customer Service - 1-800-821-5184

Cards issued by UMB Bank, n.a.

 ₁Cardholders earn 3 points per dollar on purchases with MCC codes: 5411 (Grocery Stores), 5541 or 5542 (Gas), 5310 (Discount Stores), 5812 (Restaurants) and 5814 (Fast Food). Cardholders earn 1 point per dollar on all other purchases. See Simply Rewards Rules for details. 

²Visa's Zero Liability Policy covers U.S. issued cards only and does not apply to certain commercial card transactions. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and other details, please consult your issuer. 

³See the Rewards Rules and Guide to Benefits that accompany your card for details. Certain terms and conditions may apply.

Credit Card Payoff Calculator

ATM Cards:

First Iowa State Bank also offers the ATM card for both checking and savings accounts. You may access your account by ATM using your ATM card and a personal identification number. You can withdrawal, deposit and transfer via an ATM. There is a foreign ATM fee of $1.00 per month for over 5 transactions per month.