Debit Card & ATM FAQs

Find answers to common questions about using and managing your First National Bank debit card and accessing ATMs.

Can I deposit money at a MoneyPass ATM with First National Bank?
Yes. Deposits can be made at participating MoneyPass ATMs that accept deposits. Eligible checks can also be deposited with Mobile Deposit through the FNB Mobile App.

How do I lock or unlock my First National Bank debit card?
You can lock or unlock an eligible First National Bank debit card in Card Management within Online Banking or the FNB Mobile App. If the card is permanently lost or stolen, contact First National Bank so the card can be reported and replaced.

How can I avoid ATM surcharge fees with my First National Bank card?
An ATM surcharge is a fee that an ATM owner may charge for using its machine. You can use your First National Bank Debit Card without an ATM surcharge at First National Bank ATMs and participating MoneyPass ATMs. Look for the MoneyPass logo or use the MoneyPass locator to confirm a participating ATM. If a nonparticipating ATM displays a fee prompt, you can cancel the transaction before the fee is charged.

Are MoneyPass ATMs available outside the United States?
No. MoneyPass surcharge-free ATMs are available in the United States and Puerto Rico.

How do I change or reset my First National Bank debit card PIN?
To set a new First National Bank debit card PIN, call 1-800-992-3808. After three invalid PIN attempts, the card may be locked; visit a First National Bank location or call Customer Service at 515-232-5561 for assistance.

What should I do if my First National Bank debit or ATM card is declined?
If your First National Bank debit or ATM card is declined or not working, visit a First National Bank location or call Customer Service at 515-232-5561 so the issue can be reviewed.

When will I receive a replacement for an expiring First National Bank debit card?
First National Bank automatically issues a replacement debit or ATM card, typically one to two weeks before the current card expires. Activate the new card, confirm it works and securely destroy the expiring card.

How do I report a lost, stolen or damaged First National Bank debit or ATM card?
To report a damaged, lost or stolen First National Bank debit or ATM card, call Customer Service at 515-232-5561 during business hours or 800-472-3272 after business hours. You can also report you card through Card Management in online banking and the FNB Mobile app.

Why is there a $1 debit card transaction on my account?
A $1 debit card transaction is often a temporary pre-authorization used by a merchant to verify that the card is valid. These transactions usually drop off by the end of the third business day.

Are there fees for using my First National Bank debit card internationally?
International debit card purchases or ATM transactions may be subject to fees assessed through Mastercard, including cross-border or currency conversion charges. The amount can vary based on the transaction.

Can I use my First National Bank ATM card outside the United States?
No. First National Bank ATM cards do not work in foreign countries. Contact Customer Service at 515-232-5561 to ask about upgrading to a debit card for international use.

How do I activate my First National Bank debit card?
Follow the activation instructions provided with your First National Bank debit card. If you need help activating the card, contact First National Bank Customer Service at 515-232-5561.