ATM and Debit Cards

Our ATM and Debit cards offer deposit and withdrawal 24-hours a day at thousands of select locations worldwide. Use to obtain cash or purchase merchandise.
Never give out your card number, the 3-digit code on the back of the card, or your PIN unless YOU are initiating a purchase! Contact us immediately if you think your card may have been compromised!
If you’re traveling out of the area…
To help protect your accounts, we now use a fraud detection system that may automatically deactivate your Instant Cash & Check Card if it is used in a manner that is outside your normal usage patterns. This is likely to occur if you use your card while traveling.
Please let us know before you travel so we can ensure your card isn’t deactivated when you need it most! Call our data processing department directly at 218-237-0934.

State Bank of Park Rapids has one ATM location, 200 1st St E in Park Rapids. We do not impose a surcharge to State Bank of Park Rapids customers.
– South drive-up lane at State Bank of Park Rapids. 200 1st St E.
Owners of other ATM’s you may use may charge you fees when you use your State Bank of Park Rapids card at their machines.

Instant Cash & Check Card®
– No transaction fees.
– No monthly fees.
– $500 daily ATM limit. $1000 daily point-of-sale limit.
– Save money; you won’t have to purchase so many checks.
– Present it wherever Visa Debit cards are accepted.
– You can change your PIN number.

Checking has changed for the better with your new Instant Cash & Check® card. It works just like your checkbook only its faster, easier, and more convenient than writing a check. Your Instant Cash & Check card looks like a credit card but works like your check because the purchase amount is automatically deducted from your checking account.

The Instant Cash & Check card is the premier ATM card because it is accepted wherever you see the VISA® sign. Simply present your card and sign your name. It’s that easy!

No check writing means no need to carry a bulky checkbook. No need to show multiple forms of identification. Record keeping is easier. When you make a purchase or ATM transaction with your Instant Cash & Check card you’ll receive a receipt. All the details will be listed on your monthly statement.
$10 to replace a card (unless it’s reissued by us at expiration)
Instant Cash Card
Access to Cash via ATM’s 24/7
Our Instant Cash card allows you access to your checking account 24-hours a day, 7 days a week through thousands of ATM’s worldwide. The Instant Cash card cannot be used for Point-of-Sale purchases at stores, at fuel pumps, etc. It is for ATM cash withdrawals only.
– $1.50 per month service charge
– No transaction fee if you use our Bank-branded card in our ATM.
– Ability to change your PIN number.

To apply, just contact us and we’ll send you an application or stop by State Bank of Park Rapids. Debit card applications are approved or denired at the Bank’s discretion.

$10 to replace a card (unless it’s reissued by us at expiration)
Not all services available at all ATM’s. To locate the nearest ATM when you’re away, call 1-800-4-CIRRUS or check out the CIRRUS web site.