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Debit MasterCard
Business Debit MasterCard

To better serve our customers we now have a 24 hour line you can call if you have trouble with your FNB DEBIT card: Customer Service (Report disputes, lost or stolen card, or other information) 1-800-327-8622


Click below for more information on Protection Against Debit Card Fraud




Debit MasterCard is widely accepted alternative to writing a check.  You can use your Debit MasterCard to pay for purchases at any merchant displaying the MasterCard logo - all at no additional cost.  The purchase price will be deducted from your First National Bank Checking Account.  In addition, you can use your Debit MasterCard to withdraw cash at any ATM.


Business Debit MasterCard gives business customers the convenience of shopping without the hassle of writing checks.  You can use your Debit MasterCard to pay for purchases at any merchant displaying the MasterCard logo.  It works just like a check, only faster.  There is no checkbook to carry and you will receive a descriptive statement monthly on your purchases. 

Questions & Answers

Q.  Why should I use Debit MasterCard?

A.  Because it is faster and easier.  There are many times and many places where check writing can be a hassle.  Debit MasterCard transactions are faster than writing a check.  The funds still come from your Checking Account.

Q.  Where would I use my Debit MasterCard?

A.  Use it wherever MasterCard is accepted - places like grocery store, your favorite retailer, gas stations, or a restaurant.  In fact there are over 10 million places where your Debit MasterCard will come in handy.

Q.  How do I use it?

A.  It's easy!! To deduct the price of your purchase from your First National Bank Checking Account, merchants use on-line point-of-sale devices to verify the funds are available in your account.  Within seconds the merchant receives authorization and asks you to sign a receipt.

Q.  When I use my Debit MasterCard, am I borrowing money?

A.  NO! Although the MasterCard logo is shown on the front of the card, it is not a credit card.  Funds always come directly from your checking account.

Q.  Will sales clerks know how to process my transaction?

A.  Yes.  Merchants process it just like any MasterCard transaction.

Q.  Can I use it to place catalog orders over the phone?

A.  Yes.  If the Company accepts MasterCard and funds are available in your Checking Account.

Q.  Won't this make balancing my checkbook a headache?

A.  Debit MasterCard transactions appear on your monthly Checking Account statement, just like the checks you write.

Q.  What do I do if I want to return something I purchased with my Debit MasterCard?

A.  Take all returns back to the place your purchased them, just like you do now paying with cash, check, or credit card.

Q.  What if I'm given a choice of buttons to push at the merchant's terminal?

A.  Always push credit.  You may need to choose between a Debit button and a Credit button.  If you press Debit, you will be asked to enter your personal identification number (PIN) and you may pay a fee.  If you always push credit, you will simply sign a receipt and pay no transaction fees.

Q.  Am I protected if my Debit MasterCard is lost or stolen?

A.  Yes.  Just as with regular ATM cards, if you report a lost or stolen card within the next two business days, your liability is limited to $50.  If you do not report loss or theft within this time frame, you could be held responsible for up to $500.  Treat your Debit MasterCard just like you treat your ATM card - like cash.  If your card is lost or stolen, report it IMMEDIATELY at (606) 598-6111. If your card is lost or stolen and you can not report it to the bank because we are closed report it immediately to 1-800-327-8622


  To print your Debit MasterCard application off and bring into any of our locations to apply for our ATM/DEBIT cards.


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