Visa Zero Liability Promise for Unauthorized Purchases

Use your Visa debit/credit card with confidence wherever you shop. You have zero liability on unauthorized purchases if you notify the bank in a timely manner.

Your liability may be no more than $50 if you notify the bank within 60 days of the statement date on which the unauthorized charges first appear. You may be liable for 100% of the unauthorized charges if you fail to notify the bank in a timely manner. See Reg E.

Card Department Phone Number: (435)865-2331 (Cedar City)


Lost or Stolen Card Emergency Phone Numbers:

  • During Banking Hours (M-F 8:00 am - 5:00 pm excluding holidays)
    • 435-865-2331
  • When the Bank is closed:
    • 800-325-3678 (Credit Cards)
    • 800-500-1044 (ATM/Debit cards)
    • 800-325-3678 (Backup number for all card types)

You must know your card number when you call after hours. We recommend that you keep a copy of your cards in a separate location for just such occasions.

Falcon Automated Fraud Detection System:

State Bank’s card processor places automated calls to card holders whose transactions fall outside expected norms. If there is no answer, a message is left for the cardholder to call one of the phone numbers listed below.

Credit Card/Debit Card

  • 866-374-6975 - Choose option 1
  • 727-227-2447 (for international collect calls) - Choose option 1

The System will ask for …

  • The last 4-digits of your SSN to verify the correct cardholder.
  • It will then list transactions (which you should recognize) and ask to indicate whether you conducted them. Your call will be forwarded to a live person if you indicate that a transaction is not legitimate.

The system will not ask for . . .

  • Your 16-digit card number and/or PIN.
  • Your full SSN or your date of birth.