Accessing Your Bank Account is Easy with a Debit Card or ATM Card
Using a First National Bank Mastercard® Debit Card gives you 24/7 access to the funds in your checking account.
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
Using a First National Bank ATM Card allows you to withdraw money easily from your bank account
ATM cards are payment cards issued by the bank. They are linked to your First National Bank account, and allow you to withdraw money from your account at any an ATM. When you make a withdrawal from an ATM, your bank account balance is reduced in real time.
You can use your ATM 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 obtain 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. An ATM card cannot be used to make purchases.
Contact Us to Obtain an ATM Card
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.
How do I know if I can use my card surcharge-free at a MoneyPass ATM?
If you have a First National Bank Debit Card or ATM Card, you have surcharge-free access at MoneyPass ATMs. Most MoneyPass ATMs will have a MoneyPass sticker on the face of the machine. You can also verify the ATM address on the MoneyPass locator website.
During your ATM transaction, the ATM machine will prompt you that a fee will be charged if the ATM is not part of the MoneyPass network. You have the option of proceeding and accepting the fee or ending your transaction before the fee is charged.
Are there MoneyPass ATMs located outside of the United States?
MoneyPass surcharge-free ATMs are only found within the United States and Puerto Rico.
I was charged a fee at an ATM that I believed to be a surcharge-free MoneyPass ATM. What can I do?
If you are a First National Bank debit/ATM cardholder and you were charged a fee at a MoneyPass ATM, please contact First National Bank’s Customer Service Center at 515-232-5561 or 641-342-6581.
To expedite the process, it is helpful to have the exact address, date, and time of the ATM transaction – this should all be on the ATM receipt.
I received a text message/phone call concerning suspected fraud on my account. Why?
When a potentially suspicious transaction is made, the fraud department will send you a text or call you asking you to verify the transaction. Follow the instructions provided to confirm whether you made the transaction. We will never ask you for your full debit card number or account number when confirming fraud via text or phone call.
To ensure that you don’t miss a legitimate call or text about fraudulent activity on your card, enter the number 833-735-1894 into your phone contacts, identifying the caller as Debit Card Fraud Alert. A legitimate text message will show on your caller ID as 37268.
What can I do if I’ve forgotten my PIN, my PIN is not working, or I want to change my pin?
If you’ve forgotten your PIN and would like to set up a new one, call 1-800-992-3808.
For your safety and protection, your ATM/debit card is locked if you have three invalid PIN attempts. To reset your pin, visit a First National Bank location or call Customer Service at 515-232-5561 or 641-342-6581 during regular business hours or 800-472-3272 outside of those hours.
How much can I withdraw using my First National Bank Debit Card?
Refer to your account agreement for the applicable withdrawal limit; or contact Customer Service at 515-232-5561 or 641-342-6581 to determine the allowable amount.
What should I do if my Debit Card or ATM Card is not working or has been declined?
There are several reasons why your debit card may not be working.
- Insufficient funds in your account
- Expired card
- Daily transaction limit has been reached
- Incorrect PIN
- Too many incorrect PIN attempts
- Incorrect information entered
- Damaged card
- The transaction has been flagged as being potentially suspicious
- The bank has placed a hold on your account because of suspicious activity or suspected fraud
- Card hasn’t been activated yet. Is this the first time using your debit card. Has it been activated?
- A joint account holder deactivated the card
- The store doesn’t accept your card type
- Blocked due to an international purchase, until you give the bank express approval
- Card cannot be used in certain countries
- An incorrect or missed number. If you or a merchant is typing in your number, a wrong number may have been entered or a number was missed.
There’s no question that your debit card not working can be incredibly annoying, especially if you’re in a rush or really need access to your money right away. But in most cases, this is a very simple problem to fix. The process for how to fix a declined debit card or a card that does not seem to be working is:
- Try the transaction again. Sometimes there can be a one-off problem that is fixed simply by swiping the card again. Do not attempt the transaction more than two times to prevent your account from being locked.
- Check to see if you have funds in the account.
- Double-check you’re providing the correct information. Have you changed the PIN recently and accidently issued the old one? If you’re shopping online, did you enter the card number correctly?
- Visit your local First National Bank or call Customer Service at 515-232-5561 or 641-342-6581. We will research the issue and get your card working.
What special benefits and protection are included with my First National Bank Debit Card?
- Surcharge-free access to your money - at thousands of ATMs featuring the MoneyPass logo.
- Convenience – accepted at millions of merchant locations worldwide.
- Check out quickly and securely – with contactless and chip technology. (The contactless feature is only available for cards issued after May 9, 2022.)
- One card, so many ways to pay – make purchases and pay bills in-person, online, over the phone or in app.
- Pay on-the-go - Add your debit card to your preferred digital wallet to make in-store, in-app and online purchases.
- Mastercard Zero Liability – You pay only for the purchases you have authorized, and you won’t be held liable in the event on an unauthorized purchase.
When will I receive a replacement card for my expiring First National Bank Debit Card or ATM Card?
A new First National Bank Debit Card or ATM Card will be issued automatically, typically 1-2 weeks prior to its expiration date. Please activate the new card and verify that it functions properly, then destroy your expiring card.
How do I report and replace a damaged, lost or stolen First National Bank Debit Card or ATM Card?
Contact Customer Service at 515-232-5516 or 641-342-6581 during business hours. After regular business hours, call 800-472-3272.
What is a chip card?
A chip card contains an embedded microchip that provides security features and other application capabilities not possible with traditional magnetic stripe cards. When used at chip-enabled terminals or card readers, a chip card adds another layer of security against fraud.
Why is there a $1 transaction on my account? When will it drop off?
Transactions that are listed as $1 are usually pre-authorizations from businesses. Businesses run this pre-authorization in a small amount to ensure that your debit card is working. These transactions usually will drop off at the end of the third business day. Common businesses that will place a pre-authorization on your card include hotels, gas stations, and car rental agencies.
What should I do if I notice fraudulent activity on my account?
If you suspect fraudulent activity on your First National Bank debit card, please contact the bank immediately at 515-232-5561 or 641-342-6581 during regular business hours or 800-472-3272 after hours.
Are there additional fees on international transactions?
Effective May 9, 2022, for each debit card purchase or ATM transaction completed outside the United States, Mastercard may charge the cardholder international transaction fees (i.e., Cross Border Fees, Currency Conversion Assessments) based on the amount of the transaction provided by the card network in U.S. dollars.