Card Services

Convenient, secure, and rewarding payment solutions for all your everyday needs. From debit cards to credit cards and digital wallets, we have you covered.

Add Your Card to Your Digital Wallet

Use your Home State Bank debit card with Apple Pay, Google Pay, or Samsung Pay for fast, secure, contactless payments.

Learn About Digital Wallet

Card Options

Debit
Cards

Credit
Cards

Business
Cards

Digital
Wallet

Debit Cards

Convenient Access to Your Money

Your Home State Bank debit card gives you instant access to your checking account funds for purchases, ATM withdrawals, and more.

Use It Everywhere

Accepted at millions of locations worldwide wherever Visa or Mastercard is accepted. Shop in-store, online, or on your mobile device.

Build Your Credit

Responsible credit card use helps you build and maintain a strong credit history for future financial opportunities.

Credit Cards

Flexible Purchasing Power

Our credit cards offer you the flexibility to make purchases now and pay later, with competitive rates and no annual fee options.

Rewards & Benefits

Earn cash back, points, or travel rewards on every purchase. Plus enjoy extended warranties, purchase protection, and more.

Manage Your Credit Card Online

Access your credit card account online to view statements, make payments, and manage your card.

Credit Card Login

Card Security & Fraud Protection

Your security is our priority. Every card comes with comprehensive fraud protection and monitoring.

Zero Liability: You are not responsible for unauthorized purchases made with your card
EMV Chip Technology: Advanced chip cards provide enhanced security for in-person transactions
Real-Time Alerts: Receive instant notifications for every card transaction via text or email
Card Lock Feature: Temporarily lock your card instantly through mobile banking if misplaced
24/7 Fraud Monitoring: Our systems watch for suspicious activity around the clock
Easy Card Replacement: Lost or stolen cards are replaced quickly with expedited shipping

Worldwide Acceptance

Use your card anywhere Visa or Mastercard is accepted, at home or abroad.

ATM Access

Free ATM access at our branches.

Mobile Integration

Add cards to Apple Pay, Google Pay, Samsung Pay, and manage them through our mobile app.

Cash Back & Rewards

Select credit cards offer rewards programs that put money back in your pocket.

Card Features at a Glance

Debit Card Features:

Direct access to checking account funds
No annual fees
ATM withdrawals with PIN
Digital wallet compatible
Overdraft protection available

Credit Card Features:

Flexible payment options
Rewards programs available
Travel benefits and insurance
Purchase protection
Build credit history
Competitive interest rates

Card Management Tools

Take control of your cards with our digital banking tools:

View transactions in real-time
Set spending limits and alerts
Lock/unlock your card instantly
Report lost or stolen cards
Request replacement cards
Update card PIN securely

Card Safety Tips

Protect yourself from fraud with these best practices:

Never share your PIN or CVV code
Sign the back of your card immediately
Monitor your account regularly
Set up transaction alerts
Keep your contact info updated
Report suspicious activity immediately

Need Help with Your Card?

Our card services team is available 24/7 to assist you with lost or stolen cards, disputed transactions, or general questions about your card.

Card Services: (320) 231-1118

After Hours: (800) 472-3272

Contact Card Services Credit Card Services Website