First State Bank of Wyoming
Credit Cards

Visa Platinum
from First State Bank of Wyoming

Visa Platinum

Visa Platinum
from First State Bank of Wyoming

Enjoy a 6 month intro rate that is equal to Prime

Important Disclosures


24/7 Access

24/7 Access

Enroll your card at, view transactions, make payments, and set up alerts

Advertise your business on Yelp!

Advertise your business on Yelp!

Receive $50 in bonus ad spend when you spend $150 on Yelp Ads in a given month¹

Zero Liability

Zero Liability

Feel safe making purchases in person, online, or through your Mobile Wallet

Pen & Paper

Interest Rates & Fees Summary

Annual Percentage Rate
8.25% intro APR for 6 months, then a 14.25% variable rate.
Annual Fee
$15.00, waived if more than $5,000 in purchases are made within a 12 month period.
Foreign Transaction Fee
1% of transaction
Cash Advance Fee
2% of amount obtained with a $2.00 miminum and $20.00 maximum
Annual Percentage RateAnnual FeeForeign Transaction FeeCash Advance Fee
8.25% intro APR for 6 months, then a 14.25% variable rate.$15.00, waived if more than $5,000 in purchases are made within a 12 month period.1% of transaction2% of amount obtained with a $2.00 miminum and $20.00 maximum

Important Disclosures

Additional Product Features

  • Secure Remote Commerce (formally Visa® Checkout)
  • Online account information -
  • Verified by Visa®

Important Disclosures

VISA® Platinum

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 8.25% introductory APR* for the first six months, then a variable APR currently 14.25% which may vary quarterly
Grace Period 25 days on purchases none on cash advances
Balance Computation Average daily balance method (including new purchases)
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
Annual Fee $15**
Transaction Fees
• Cash Advance 2% of amount obtained with a $2 minimum and $20 maximum
Penalty Fees
• Late Payment $5 or 5% whichever is greater
• Overlimit Fee $15

Access Account Information Anytime
It’s easy to get the information you need, when you need it. Your account information is available anytime and anywhere through Check balances, view transactions, or make payments safely and securely over the internet.

Each of the above-signed Authorized Officer(s)/Principal(s) certifies that the execution, delivery and performance of this Application and Agreement has been duly authorized by all necessary action by the company, and will provide evidence of such action upon request.

The company agrees to provide any further financial information requested by United Bankers’ Bank (“UBB”), which is the prospective creditor and issuer of the VISA Business/Corporate cards which are the subject of the Application and Agreement.

The company authorizes UBB to obtain credit bureau reports to investigate the creditworthiness of the company, the Authorized Officer(s)/Principals, and any Authorized Employee User(s), to rely upon the accuracy of the information contained therein and in this Application, and to consider the applicants, and any of them, for a lower credit line than requested.

If UBB agrees to extend credit based upon this Application and Agreement and also upon information authorized to be obtained and reviewed by UBB under this Application and Agreement, the company, each of the above signed Authorized Officer(s)/Principal(s) of the company and any Authorized Employee User(s) each agree as follows: By signing this Application and Agreement, each Authorized Officer(s)/Principal(s), for and on behalf of the company, request(s) that UBB establish a VISA Business/Corporate card account for each proposed Authorized Officer(s)/ Principal(s) of the company named above, and for each proposed Authorized Employee User(s) named below and on the backside of this application, and that if issued a VISA Business Card (“Card”), capable of accessing the appropriate respective account, to each of them.

UBB is authorized to investigate, obtain and exchange reports and information regarding the Application and Agreement and any resulting account(s) with credit reporting agencies, with the company and with others, including banks doing business with UBB, with legitimate business needs for such reports or information.

UBB shall have the right to increase or decrease the initial credit line assigned to each account over the life of the account according to UBB credit guidelines, account history and the financial circumstances of any person or entity with charging privileges on the accounts.

All accounts established in response to this Application (1) shall be used exclusively for business purposes for the benefit of the company and (2) shall be governed by the terms of the Cardholder Agreement provided when the Card(s) is issued, and as it may be amended from time to time, except in case of any inconsistencies between the Cardholder Agreement and this Application and Agreement, in which case the terms of this Application and Agreement shall govern unless expressly overridden by the Cardholder Agreement, and any amendments thereto. The term “person” in the Cardholder Agreement includes the company, each individual Authorized Officer(s)/Principal(s) and each individual Authorized Employee User(s). The company and each individual Authorized Officer(s)/Principal(s) shall all be jointly and separately liable for the repayment of all charges and account balances with respect to each account opened under this Application and Agreement. In addition, each individual Authorized Employee User(s) shall be individually liable for the repayment of all charges and account balances with respect to his/her individual account opened under this Application and Agreement.

This Application and Agreement shall be governed by and construed in accordance with the laws of the State of Minnesota as to all matters, including, but not limited to, matters of validity, construction, effect, and performance. The company and all individual signatories to the Application and Agreement hereby consent to the exclusive jurisdiction of the courts of the State of Minnesota in Hennepin County, Minnesota, and the United States District Court for the District of Minnesota, and waive any contention that any such court is an improper venue for the enforcement of the Agreement.

Authorized Officer(s) must have an ownership interest in the company with the authority to bind the company to the terms of this Agreement as the company’s duly authorized representative as one of the following: President, Chairman, Vice President, Treasurer, Owner, Proprietor or Partner.

Notice: Prohibition on Funding of unlawful Internet Gambling The Department of Treasury and the Federal Reserve Board issued a joint ruling to prevent unlawful internet gambling businesses from utilizing the banking system to process these restricted transactions. United Bankers’ Bank will not open an account for customers who plan to process any internet gambling transactions. I hereby certify by signature/s below that this business entity does not currently, and will not at some future date, attempt to process unlawful internet gambling transactions through United Bankers’ Bank. Everything stated in this application is correct to the best of my knowledge. I understand that I may be guilty of perjury if I make and material mis-statements. I also understand that you will retain this application whether or not it is approved. You are authorized to check my credit history and to answer questions about your credit experience with me.

*The introductory APR is based upon the highest Prime Rate in the Wall Street Journal, Midwest Edition, published and in effect on the 1st calendar day following each quarter end. Any change in the APR will correspondingly take effect on the 15th calendar day following the quarter end. Following the introductory period the APR each quarter is determined by adding 6% percentage points to the highest Prime Rate published by the Wall Street Journal, Midwest Edition, on the 1st calendar day following each quarter end, effective on the 15th day. Information is accurate as of July 1, 2023. To find out if any changes have occurred, call us at (800) 752-8140 or (952) 885-9455.
** If less the $5,000 in purchases are made within the 12 month period

¹For full terms and conditions regarding the Yelp offer, visit