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24/7 Access to Your Bank Account 


Using a First National Bank Mastercard® Debit Card gives you 24/7 access to the funds in your checking account.

Debit Card

A debit card provides you with convenient access to your checking account funds, allowing you to make withdrawals, transfers, or purchases.  

  • Easy access to your account - use your money when and where you want. 
  • One card, use it so many ways - check your account balance; make purchases online or in-store; transfer money to different bank accounts; and pay bills in person, online, over the phone or in app. 
  • Free access to your money - at First National Bank ATMs/ITMs and thousands of ATMs in the U.S. and Puerto Rico that display the MoneyPass® logo. 
  • Add your card to a digital wallet - make quick, secure payments from your mobile device. 
  • $0 Liability Guarantee - will credit fraudulent transactions made with your debit card back to your account as soon as the next business day if your card is lost or stolen. 
  • 24/7 Fraud Monitoring - reviews how and where your card is being used and will block potential fraud if abnormal patterns are detected. 
  • Secure - All debit cards are equipped with the added security of an EMV chip. EMV chips are the small, square computer chips that appear on debit, credit, and prepaid cards to help safeguard them against fraud. 
  • Contactless card technology - for any card issued after May 9, 2022. Tap your card for a faster checkout. Quicker than cash.  
  • No monthly* or annual fees for use of your debit card. 
  • Enhanced benefits - Debit Card holders at First National Bank are entitled to a variety of enhanced benefits through MasterCard®. Details on all of these benefits can be found in the attached brochure. The small business cardholders guide to benefits can be found in this brochure.
  • Purchase Rewards - allows you to earn rewards using your First National Bank debit card to purchase merchandise and services. Learn more. 

Be mindful that debit cards have daily purchase limits, which put a cap on the amount you can spend when using a debit card. You'll prefer a debit card to an ATM card if you plan to use your card often, including for purchases. 

*If you use an ATM not owned by First National Bank, the owner of the ATM may charge you a transaction fee. There is a $3 fee per deposit exceeding two deposits per cycle made at non-First National Bank ATMs. 

Contact Us to Obtain a Debit Card


ATTENTION: The following information is for existing ATM cardholders. First National Bank is no longer accepting applications for or issuing ATM cards since debit cards offer all of the same functionality with no annual fee. 

ATM Card

Existing ATM cardholders can use their card for the following purposes: 

  • Easy access to your bank account funds - withdraw cash up to the permissible daily withdrawal limit at an ATM.
  • Check your account balance.
  • Transfer funds - from one account to another
  • Make a purchase - if a merchant allows you to enter a PIN to make a purchase, you can use your ATM card.

International travel advisory: Your ATM card does not work outside of the United States. If you want to order a debit card (or a temporary debit card) for making cash withdrawals and transactions while traveling outside of the U.S., we would be glad to assist you in obtaining one. There would be no charge to get a debit card.  

Fraud protection: If an ATM card is lost or stolen, and the consumer reports it before any fraudulent charges are made, there is no liability. If a missing card is reported within 2 days of fraudulent activity, then the maximum liability is $50. 

Surcharge-free use: A First National Bank ATM card can be used surcharge free at any First National Bank ATM or the thousands of ATMs in the U.S. and Puerto Rico that display the MoneyPass® logo. Other banks may charge a surcharge fee for ATM use. 

The current annual fee for a First National Bank ATM card is $15.00. That fee will be increased to $20.00 beginning June 1, 2022. The ATM card maximum daily withdrawal limit is lower than the debit card daily withdrawal limit. 


MoneyPass logo

First National Bank is pleased to introduce MoneyPass--- our new ATM network. Wherever you travel, look for the MoneyPass logo on the more than 37,000 ATMs throughout the country to use your First National Bank debit/ATM card surcharge-free.

What is MoneyPass? 

MoneyPass provides you with access to your cash where you live, work or play. The MoneyPass network of ATMs is one of the largest networks in the nation with more than 37,000 surcharge-free ATMs in the U.S. and Puerto Rico.

Whether you’re on vacation, traveling for business, away at school, or just shopping around town, you have quick and easy access to cash from your First National Bank account --- surcharge free when you use a First National Bank ATM or a MoneyPass ATM.

You do not need to enroll or sign up to take advantage of the MoneyPass ATM network. MoneyPass will recognize your First National Bank Debit Card or ATM Card.

Travel Advisory

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