Debit Card FAQs

FNB FAQ Header logo.


Once you receive your debit card in the mail, you will need to activate it at an ATM. You may do this by completing any transaction that requires you to enter your PIN. The PIN is what activates the card. Make sure you sign your name on the back of the card. This will help eliminate possible fraud if the merchant verifies the ID of the person using the card.

The logo on your card means that it is accepted at millions of locations around the work that accept MasterCard, in place of cash or checks. Your card is a debit card, which means the funds come from your checking account instead of a credit line. The MasterCard logo means you have more protection. It also means it is the network we use to process transactions

Any transaction that does not require you to enter your PIN is considered a non-PIN purchase. They are also known as ‘Credit’ or ‘Signature-based’ transactions. These transactions are processed by MasterCard but are still deducted directly from your checking account.

Use the credit button when using your card. You have more protection against fraud should something happen to your MasterCard card, such it becoming compromised. PIN-based or “debit” transactions do not fall within the Zero Liability areas.

Yes. To help reduce the risk of fraud and funds that may be withdrawn from your account, the Signature-Based “credit” purchase limit is $1000.00 per day and the PIN-Based “debit” purchase limit is $300.00 per day. Please contact your branch if you need to temporarily use your card for higher purchase amounts.

Yes. You can use your debit card to pay any bills that accepts MasterCard. Your bill payer may be able to set up ongoing scheduled payments also.

You should always keep your receipt for posting record. Make sure any entries you make post to your account for the correct amounts and only post one time. You can track all your purchases daily by enrolling on FNBOnline.

No, they should not be able to. Purchase receipts should only display the last four digits of your card number. So if someone finds one of your receipts, they won’t have enough information to access your account. If you notice any receipts that contain more card information, immediately notify the bank and provide us a copy of the receipt so the merchant is notified by MasterCard.

If you allowed the merchant the debit your account, you must first contact the company that made the charge and ask them to reverse the entry. Please keep track of the date, time, person you speak with and the response they give you. A merchant has 30 days to provide you with credit from the time you call them. If you do not receive credit after 30 days, you may visit your local branch and file a dispute. You must bring with you paper documentation of all the contacts you made with the merchant. If the entry was never authorized by you, please visit your local branch and complete a dispute form. Your debit card will be ‘hot-carded’ for fraudulent activity so you will need to complete an application for a replacement card. Credit is passed to your account within 1-3 days after completing your dispute. First National Bank has 45 business days to research the transaction. If the transaction is found to be valid or the merchant passes credit within that time, the bank will debit the money back out of your account.

A temporary authorization occurs when a merchant tests to confirm that your credit card account is valid and/or has sufficient Available Credit. Gas stations, restaurants, hotels, car rental agencies, and airlines commonly use temporary authorizations because the card information is often provided before the final transaction amount is known. Please note that this list is not all-inclusive; temporary authorizations are a common merchant practice. Examples include $1.00 for gasoline "Pay at the Pump" purchases and hotel reservation amounts.

Gas stations, restaurants, hotels, car rental agencies, and airlines commonly use temporary authorizations because the card information is provided before the final transaction amount is known. Once the actual transaction amount is determined and posted to your account, the temporary authorization will be removed in full.

Temporary authorizations are deducted from your available credit only; they are not included in the account balance. The charge will be included in your account balance when the actual transaction amount is determined and posted to your account.

Temporary authorizations can remain on your account for up to 5 days. In the event of an error, only the merchant can remove the authorization by providing an indemnity release to the bank.

Because temporary authorizations are subject to change pending the final transaction amount, you are unable to dispute them. You must wait for the actual transaction to post to your account. It is not necessary to call regarding a temporary authorization unless you know that your card, cash advance checks, and account number have not been used for any reason.

If a temporary authorization appears twice, it does not necessarily mean the account will be billed twice. It is possible that the authorizations will post as one charge for the final transaction amount. If two charges for a similar amount from the same merchant appear on your statement in error, you will be able to initiate a dispute.