Cards & Payments

Personal VISA Credit Cards

State Bank of Cross Plains offers personal credit card and debit card options with key fraud protection features like CardValet® and Two-Way Text Alerts (currently available for debit cards only). Credit card options include a VISA Classic Card, perfect for building credit, and VISA Platinum Card, great for regular spender who wants rewards.

Card holders with other accounts at State Bank of Cross Plains can access their credit card account after logging into their online banking.

See our credit card features »

Learn about fraud features »

Learn about uChoose Rewards Points»


Apply Online

Current Offers

Open and use our VISA Platinum Card or
 VISA Classic Card and get 0% APR on purchases & balances transfers for 6 months, 10.99%-16.99% APR or 8.99%-14.99% APR respectively thereafter*.

Plus, with both cards you get:

  • No annual fee
  • CardValet®
  • Fraud Prevention Tools
  • VISA Zero Liability**
* Click here for more details on the VISA Platinum Card offer,  click here for more details on the VISA Classic Card offer, or download an application.

State Bank of Cross Plains Credit Card Features


VISA Classic Fixed Rate Card

VISA Platinum Fixed Rate Card

EMV chip card for added security

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No annual fee

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Emergency cash disbursement

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Lost/stolen card replacement

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Auto rental collision damage waiver

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Travel accident Insurance

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Trip cancellation/trip interruption

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Lost luggage reimbursement

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Zero liability

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UChoose Rewards

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VISA Checkout , Apple Pay , Samsung Pay & Android Pay

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 Fraud Protection Features



With CardValet® for both Debit and Credit, it's even easier to use your card! CardValet® allows you to turn your Debit or Credit Cards "on" or "off" at anytime. When they are "off" ... no one can use your cards. Turn them "on" when you're ready to use them.

Interactive Video Player

check mark Helps safeguard your cards from fraud

check mark Lets you define areas where your card can be used

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Set limits on the dollar amount

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Download CardValet® today

Download the app from the iTunes app store
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Two-Way Text Alerts

A simple, yet powerful fraud control for your debit card. 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. Simply text back to confirm or deny the transaction. Standard data text and messaging rates apply.

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check markText alerts are sent between the hours of 8 am-9 pm CST

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uChoose Rewards logo

Finally, a rewards program that’s based on giving you a choice — on where to shop and what to get for all the points you earn. There’s never been a better time to start using your State Bank of Cross Plains credit or debit card for all your purchases. Redeem points for millions of items and use your points to choose from a wide array of products, travel experiences and activities, event tickets, merchant gift cards, cash, and much more!

Shop In-Store or Online to Earn. Watch your points add up fast by earning several ways!

  • Earn 1 point per $1.00 on credit for every time you use your card and sign for your purchases. Earn 1 point per $2.00 on debit for every time you use your card on purchases.
  • Plus, you’ll earn additional points when you shop at retailers participating in the program. Visit for the latest offers and a full list of participating retailers.

Earn the most points in the shortest amount of time by using your card for all your shopping needs, whether in-store or online.

GREAT NEWS! is being improved on 11/15/18. You’ll be able to view your real-time point balance, take advantage of featured offers, and search for even more rewards, more easily, from any device.

Register for uChoose Rewards Today!

FAQ about UChoose Rewards
logo for verified by visa online security service

Verified by VISA is designed to make online purchases more secure by ensuring payments are made by the correct account owner. Verified by VISA wants to build consumer confidence while online shopping, making it a similar experience purchasing in a physical shopping environment.

Verified by VISA works behind the scenes, so there may be times you are asked to provide more information regarding your purchase, but this helps make certain that you're the only person using your card online! 

You still get VISA's comprehensive fraud protection, but with Verified by VISA you get, an added layer of security when you enter credit card information online. 


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Extra layer of security for online purchases 

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Verified by Visa offers an easy-to-use interface if necessary

Enroll In Verified By Visa

Lost or Stolen

Notify us immediately if your card is lost or stolen

Call (608) 798-2400 or (855) 256-7328

We are available:

8 am – 5:30 pm CST Monday – Friday 

8 am – 12 pm CST Saturday 

Debit card after Business hours: (800) 472-3272

Credit card after Business hours: (855) 574-1510

Credit Card Agreement

To obtain a copy of your Credit Card Agreement, please email and include your name, contact information and subject line " VISA Agreement Request." Or you can call us at (855) 256-7328.


Notify us of your travel plans to ensure you have full use of your card while you travel.

Call (608) 798-2400 or (855) 256-7328

We are available:

8 am – 5:30 pm CST Monday – Friday 

8 am – 12 pm CST Saturday 

VISA Debit Card 
  • EMV Chip Card for added security
  • Accepted anywhere you see the VISA or PULSE® logos
  • Used for purchases and ATM withdrawals
  • Funds automatically withdrawn from your State Bank of Cross Plains checking account
  • Money is protected by your Personal Identification Number (PIN)
  • Each transaction appears on your monthly statement and lists the merchant's name and location of your purchases or withdrawals. 

For more information on all of your Personal Visa Credit and Debit Card needs contact us today. Call (608) 798-2400 or (855) 256-7328

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