Fraud Alert!

USB has been alerted from our ATM/Debit Card provider (SHAZAM) that some of their financial institutions' cardholders are receiving fraudulent telephone calls from someone claiming to be from SHAZAM, Inc. During the call, the caller asks the cardholder for personal information, such as primary account number and PIN. SHAZAM would never ask for account number or PIN unless you are contacting them directly. Please notify USB if you receive one of these phone calls.

ATM Cards 
With ATMs found nearly everywhere these days, it is easy to make account balance inquiries, withdrawal funds or make balance transfers between your United State Bank accounts. We offer ATMs at each of our branch locations and to help you avoid those pesky ATM surcharges many ATM operators charge we have arranged access to First Bankers Trust Company’s ATM network in Illinois.

In addition, rest assured that United State Bank does not charge you a fee to use another ATM operator’s ATM. Please note that other than the surcharge-free ATMs we offer, the ATM operator may impose a fee directly at the time of use.

To learn more about the locations of surcharge-free ATMs visit our ATM / Branch Locator page found here.

Debit Cards

United State Bank’s SHAZAM® ChekCard is more than just an ATM card. It is just like writing a check but without the hassle of carrying around the checkbook. Use it to make purchases at a merchant, online or as an ATM card. The funds are deducted directly from your United State Bank’s checking account. No need to write a check, it is simple and fast!

Your purchases and other card transactions will appear on your monthly checking account statement to help you keep track of its use. As a MasterCard branded card, it is accepted around town or around the world.

Sign the Line

Remember to "sign the line" or select "credit" when using your debit card.
  • No need to remember your PIN
  • Is accepted when a merchant does not have a PIN pad 
  • Make it easy, make it a habit!
  • Swipe and sign - it's as easy as that.

Shazam 3D Secure

Shopping online is one of the most convenient ways to shop and providing you with a safe and secure way to shop online with your MasterCard Debit Card is a top priority for us. MasterCard SecureCode helps prevent unauthorized use of your card online with an extra layer of security that prevents fraudulent purchases when you check out online. Take the first step in protecting your card and your funds by visiting the Shazam 3D Secure website here.

School Spirit Debit Card

At United State Bank, we support the schools in our community. We now have available School Spirit Debit cards for the Highland Cougars, Knox County Eagles, North Shelby Raiders, South Shelby Cardinals, and the Palmyra Panthers . This program is created to support local schools through periodic donations from United State Bank.

Click here to access a request form to convert your current debit card to the spirit card of your choice. Once you print the form you can fill it out and submit the form to your local branch.  

Need an ATM or Debit Card?

Stop by one of our branch locations or click here for an application form and mail to the address indicated on the form.

Easy PIN

Choosing your ATM or Debit Card PIN has never been easier! United State Bank now offers Easy PIN to allow you to select your own PIN anytime, anywhere by simply using a standard touch-tone telephone. Call us at 573-215-2283 or stop by one of our branch locations to request yours today. If you already have an ATM or Debit Card and wish to change your PIN, click here for an Easy PIN Request form. Simply complete and return the form to a branch to get the process started.

This link will take you to adobe reader website to download the product You will need Adobe Acrobat Reader to view these forms. If you do not have the Adobe software, you can download it here for free.