Debit Cards

Frequently Asked Debit Card Questions

• When to expect my new debit card?

  Mailed debit cards take 7-10 business days.

• Can I get my card get here faster?

  You can pick-up an instant card for $5.00 ONLY at the Trinity and Jefferson location.

• How do I activate my card?

  To activate your new debit card, call any branch location, verify your identity and create a pin.

• What is my debit card limit?

  All debit cards have an automatic daily limit set to $500. Call to temporarily raise the daily limit. Permanent raises must be officer approved.

• What is my atm limit on my debit card?

  All debit card ATM limits are set to $315. Call to temporarily raise the daily limit. Permanent raises must be officer approved.

• What do I do if my card will expire soon?

  Expect a new debit card in the mail, if not received by the middle of the expiration month, call to verify mailing address.

• Will my expired card still work?

  Your debit card will work until the last day of the expiration month.

• Can I make TAP-TO-PAY purchases?

  Unfortunately, you cannot tap your physical card. However, you may add your card to your mobile device/watch and tap your phone.

• Can I add my debit card to my mobile device or smart watch?

  You may add your debit card to the following digital wallets: Apple Pay, Samsung Pay and Google Pay.

• How can I add my debit card to my mobile device or smart watch?

  Your mobile device/watch account must be fully set up with your personal info and passcode/ biometric authentication (Face-ID or fingerprint). Add your debit card info to your digital wallet and you’ll receive a text message with a code to the phone number we have on file. If you experience any difficulties, please call 936-594-2564 and someone will assist you.

• Are my mobile device/watch payments secure?

  All payments will require a passcode/ or biometric authentication (Face-ID or fingerprint). Depending on the purchase or merchant, your debit card pin number may be required and the digital wallet will generate a token to the merchant to keep your debit card information safe.

• What should I do if my mobile device/watch with my digital wallet is lost/stolen?

  Your debit card should be safe, as it requires multiple authentications to complete a purchase. However, immediately call any location during business hours or call 888-263-3370 after business hours to turn off your debit card.

• Can I send or receive with Zelle, Venmo, PayPal, Cash App, or Meta Pay?

  At this time, FNBT doesn’t partner with any peer-to-peer (P2P) mobile payment apps. However, you may use P2P apps by adding your debit card to the app. FNBT is not responsible for any theft, fraud, or assistance associated with P2P payments.

• What should I do if I am going to travel out of state or country?

  Please call any location to inform us on any expected travel.

• What to do if my card is lost or stolen?

  Call any location during business hours or call 888-263-3370 after business hours.

• What do I do if there was a fraudulent charge on my card?

  If you believe there is a fraudulent transaction on your debit card, immediately call to turn off your debit card. You may dispute the charges by the following:

  • Provide proof of transaction
  • Provide proof of reaching out to the merchant
  • File a dispute form at any location
• Is there any other debit card information I should be aware of?
  • After 2 lost/stolen/fraudulent debit cards there will be a $10 fee.
  • There will only be a limit of 5 debit cards per card holder.