First State Bank of the Florida Keysbanking in the keyskeys community
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Business Banking - Bank Cards
VISA® Credit Card
Cash CowSM ATM & Debit Card
Blocked Debit Card Information

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VISA® Credit Card

Carry a credit card designed for your business.

We offer a variety of business credit cards to meet your needs. Become a Cardmember and enjoy a wide range of benefits.

Business Edition® Visa® Card

The Business Edition® Visa® Card offers many benefits, such as low rates, no annual fee*, and online access to view transactions and track business expenses.

  • Competitive rates.
  • No annual fee.*
  • Separate business and personal expenses.
  • Online access to view transactions, pay your bill, view up to seven years of prior statements and more!¹
     

Business Edition® Visa® Card with Absolute Rewards℠

The Business Edition® Visa® Card with Absolute Rewards℠ allows you to earn points with every dollar in qualifying purchases. Redeem points for travel, gift cards, merchandise, even cash back in the form of a credit to your account.

With Absolute Rewards℠ every dollar spent is a reward for you!

  • 5 POINTS PER $1 SPENT on qualifying business expenses (up to $25,000 during each 12 billing cycle period).
  • 2 POINTS PER $1 SPENT on qualifying gas and dining transactions (up to $25,000 during each 12 billing cycle period).
  • 1 POINT PER $1 SPENT on other purchases.
  • No annual fee.*
  • Competitive rates.
  • Separate business and personal expenses.
  • Online access to view transactions, pay your bill, view up to seven years of prior statements and more!¹

ALL OUR BUSINESS CARDS COME WITH THESE GREAT BENEFITS

  • FREE 24/7 ONLINE ACCESS for managing your account. View transaction activity and history, pay your bill, set up alerts, and more.¹
  • FREE MANAGEMENT REPORTS to help you track expenses, monitor your spending, spot tax deductions, prepare your tax filings and forecast expenses more easily.
  • ADDED SECURITY with fraud protection, extended warranties, travel accident insurance and identity theft protection.²

IMPORTANT INFORMATION

First Bankcard® reserves the right to change the account terms should your credit profile change or for other reasons described in the Summary of Credit Terms. Required minimum payments may be allocated to the lower APRs first. Payments in excess of the required minimum payment will generally be applied to balances with highest APRs first. All changes in terms will be subject to requirements of applicable law. Offer applies to new accounts only.

* For additional information about Annual Percentage Rates (APRs), fees and other costs, see the Summary of Credit Terms.

See the Rewards Terms and Conditions in the Summary of Credit Terms for details.

¹ Only a Program Administrator or Authorized Company Representative, as applicable, can enroll your Company’s Business Credit Card online.

² Complete details including restrictions, limitations and exclusions will be available when you become a Cardmember.

©2014 Visa® Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from Visa U.S.A. Inc.  Business Edition® is a federally registered service mark owned by First Bankcard®, a division of First National Bank of Omaha.

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VOX® Business Card

VOX® is designed for the unique needs of your business.** It gives you cash flow flexibility with your choice of minimumpayment options and a high value credit line to meet your business needs—all with a single card you can use for both Travel and Entertainment and Purchasing functions.  Pay in full or revolve at a low rate to maximize cash flow.  VOX® features our Maximum Rewards® for Business rewards program which allows you to earn 1 point for every $1 you spend on qualifying transactions.  Use points for travel, merchandise or even cash back in the form of a statement credit.

VOX® Act Now

** The First Bankcard® Visa® Credit Cards are Powered by Paymentflex Technologies, LLC. First Bankcard®, a division of First National Bank of Omaha, is an authorized user of Paymentflex US Patents #5,933,817 and #6,836,764, and of the Paymentflex® registered trademark pursuant to license from Paymentflex Technologies, LLC. First Bankcard®, a division of First National Bank of Omaha, is the card issuer/creditor of the credit card program described in this offer.

See the Rewards Terms and Conditions in the Summary of Credit Terms for details.

©2014 Visa® Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from Visa U.S.A. Inc. VOX® and Maximum Rewards® for Business are federally registered service marks owned by First Bankcard®, a division of First National Bank of Omaha.

Commercial Edition® Visa® Card

The Commercial Edition® Visa® Card facilitates your travel, entertainment and purchasing spending while maintaining policy controls. Maximize cash flow and gain better insight into your spending with advanced reporting tools.  The card also allows your company to minimize risk with multiple payment and statement options, and the ability to establish individual credit limits.

Commercial Edition® Act Now

©2014 Visa® Cards are issued by First Bankcard®, a division of First National Bank of Omaha, pursuant to a license from Visa U.S.A. Inc.  Commercial Edition® is federally registered service mark owned by First Bankcard®, a division of First National Bank of Omaha.



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Cash CowSM ATM & Debit Card

Our Cash CowSM ATM & Debit Card provides all of the features of an ATM Card plus it allows you to use your card to purchase items at any business that accepts VISA®. The funds for your purchases come right out of your checking account as if you had written a check. What could be easier!

ATM/Debit card fraud continues to increase. To help protect your account and fight fraudulent activity, FSB has taken action to block transactions in certain foreign countries. Please contact Customer Service at (305) 296-8535 prior to traveling outside of the country to ensure your transactions will be honored.

Open an account at any branch or Contact us Today!

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Blocked Debit Card Information

In order to protect customers from debit card fraud and reduce unauthorized charges, First State Bank of the Florida Keys uses a sophisticated behavioral scoring system to closely monitor all debit card transactions.

As a result, some debit card transactions may be blocked by the system if any unusual or suspicious activity is detected on a customer’s account. Additionally, debit card related transactions may be blocked by specific retail categories, like liquor stores and gas stations, or by location, such as specific states or countries where fraudulent activity is suspected.

REMEMBER - Debit cards can be used 2 ways, as a signature CREDIT purchase or as a DEBIT purchase, which requires a PIN (Personal Identification Number) to complete the transaction. If a signature CREDIT purchase does not receive authorization, customers should try using the DEBIT PIN as a secure way of completing the transaction.

I. Blocked Cards:
If a debit card transaction has been rejected, customers should consider taking the following actions:
1. Try using the PIN (Personal Identification Number) to complete the transaction.
2. Try using the debit card at an ATM using the secure PIN.
3. Call or Visit one of our Keyswide branches for assistance.
II. Information:
1. If any unusual activity occurs that is suspected of being fraudulent, the Bank will attempt to contact the customer to verify the transaction(s).
2. If we can not reach the customer, the card will be limited to PIN-based only transactions, allowing the customer to make purchases or withdrawals only when using the secure PIN.
3. Transactions that are blocked for fraud by retail classification (e.g. liquor stores) or by location are typically only blocked for signature-based transactions, allowing the customer to complete the purchase using a secure PIN.
4. If customers are contacted and verify that the charges are legitimate, the debit card will be unblocked to resume normal purchase activity.
a. If the customer verifies that the charges are not legitimate at the time we make contact, First State Bank of the Florida Keys reserves the right to inactivate the debit card and issue a new card.
5. If a debit card is blocked for fraudulent activity, every attempt will be made to contact the customer. Therefore, customers should ensure that the Bank has current home, work, and cell phone numbers as well as e-mail address on file.
a. Customers can update contact information by signing in to Online Banking and clicking the “Address Change” tab in the left-hand navigation under the “Services” category.
III. Protect & Minimize Risk:
1. Notify the Bank of any upcoming travel plans or large/unusual purchases.
2. Always carry a secondary method of payment, such as a credit card or cash.
3. If the PIN is compromised or knowledge of the PIN is suspected, change the PIN at any First State Bank of the Florida Keys Branch ATM.

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