Debit Card FAQs
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Debit/ATM Card Personal Identification Numbers (PINs) are automatically generated at time of card issuance. If you have forgotten your PIN, please contact one of our locations for more information. Upon contacting us, you will have the options of having the same PIN reissued or choosing a 4 digit PIN of your choice.
To activate your debit card, either use your card at an ATM with your PIN or call 866.590.4793 (option 2). Your card will immediately activate.
If your card is damaged, contact us at one of our locations to request a replacement card.
Replacement card fees will be assessed if the replacement is a result of damage to the card.
ATM/Debit/HSA fees are $10.00 per card and Photo Debit Card fee is $15.00 per card.
When completing a face-to-face transaction, the authorization method will either be through your signature or Personal Identification Number (PIN). Not all merchants accept PIN based authorization, but any merchant that accepts Visa Debit can accept a signature based transaction.
First National Bank does not charge per debit card transaction. All it costs to get a debit card is $1.
Debit card funding is directly linked to the money in your checking account. Credit card funding is linked to a pre-approved line of credit.
All foreign debit card transactions are assessed a 2% foreign transaction fee.
Your debit card will automatically reissue during the card's expiration month. Your card will continue to work throughout the expiration month. Look to receive your new card in the mail around the 2nd week of the expiration month.
Coming soon
No Signature Required
Based on the type of merchant you shop at, some are not required to get a signature or PIN for transactions $25 or less. You are still protected from unauthorized purchases with these transactions.
Card Security Protection
Visa Debit card's security protection help prevent, detect and resolve fraud in the following ways:
- Visa's Zero Liability Policy which protects you from unauthorized charges.
- Fraud Monitoring helps to detect suspicious activity on your card.
- Identity Theft Assistance helps you recover your identity and prevent further problems.
- 3-Digit Security Code to verify your identity for Internet and phone purchases.