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Personal Banking : Debit/Credit Cards


To Report Lost or Stolen ATM/Debit Card

Hot Card Lost Stolen Services
After banking hours, call 1.866.546.8273

Text Alerts for your Card

Click here to learn about our smsGuardian text alert program for ATM and Debit Cards!












First National Bank’s EMV Debit Card

First National Bank will be introducing our new EMV – Chip enabled Debit Cards beginning in May 2016. This new card will be replacing our current debit cards as they expire. First card order and expiring cards will be at no charge. Any worn out, lost or stolen cards will be replaced at a cost of $10.00.

For more information, or if you are interested in having your current card replaced sooner, contact your local branch and speak with one of our friendly Customer Service Representatives.

Learn About EMV Cards

EMV Chip Card FAQ
How To Use an EMV Card

First National Bank is Dedicated to Protecting our Customers From Fraud.

In this day and age, it is important to be careful in using ATMs, email and text.

The bank will never email or text you to ask your card number or PIN. If you ever receive one asking for this information that “appears” to be from First National Bank, please call the bank at the regular number and verify that we sent this information. Fraudsters are able to “spoof” email or texts to make them look and appear that they are coming from First National Bank.

ATM/Debit Cards

First National Bank offers both ATM and Debit cards.  ATM cards can only be used at ATM’s whereas Debit cards can be used at ATMs or for purchases.


ATM Card

Debit Card

Withdraw Cash ATM Yes Yes
Balance Inquiry ATM Yes Yes
Transfer funds ATM Yes Yes
Make a deposit Yes Yes
Accounts linked Checking or savings or both Checking primary, savings optional
Making purchases No Yes*
*Contact your local branch for the ATM cash withdrawal and POS purchase limits that are available in a 24-hour period (12AM to 12AM CST)

With your card, note the following advantages:

  • Real-time processing of withdrawals and purchases.
  • Midnight-to-midnight, 24-hour timeframe for limits and auto resets.
  • Convenient worldwide access to thousands of ATM’s.
  • Debit Mastercard® offers enhanced value shopper benefits (ask for brochure at your local branch)
  • Optional text alerts for your card to prevent fraud.  (Click here to learn more.)

There is no phone number to activate your card. You will activate the card by doing a PIN based transaction using the PIN number you will be receiving. There is a sticker on the card that will give these instructions.



Interested in a First National Bank Visa credit card?

We have credit cards available for Consumer or College Students.

Our no annual fee college credit cards allow students to start establishing their credit on the right foot.  Reward points accumulate with every $1 spent.  Rewards can be redeemed for cash back, gift cards, or travel vouchers.

For consumers, we offer:

  • Visa® Bonus Rewards Card
  • Visa® Bonus Rewards PLUS Card
  • Visa® Platinum Card

Bonus Rewards cards accumulate points for every $1 you spend.  Points can be redeemed for cash back, gift cards, merchandise, hotel booking, car rental or airfare vouchers.  Platinum card will enjoy a low intro APR for a longer period of time, allowing you to pay down other credit cards. 

For more information or to apply visit or call one of our convenient locations for a brochure and application.

First National Bank credit cards are serviced by Elan.  If you have any questions or need assistance with your card contact Elan Customer Support at 877.334.0460.