You, as a Customer of First National Bank, agree to the following terms and conditions governing the use of your debit card:

  • To comply with the rules and regulations of the Bank relating to the use of your Card and the performance of any electronic fund services.
  • Your Card remains the property of the Bank and will be surrendered immediately to the bank upon request. Your card is non-transferable. Never allow anyone to use, borrow or obtain your Card and personal identification number (PIN). By giving your Card and PIN to another person, you take responsibility for all transactions made by that person or by anyone else to whom that person gives the Card and PIN until you notify us to cancel your Card and issue a new one.
  • The Bank has the right to refuse a transaction on your Account when your Card has been reported lost or stolen, when your card has been canceled or revoked, when your account has been closed, when the transaction would exceed your available Account balance, or when the Bank reasonably believes there is unusual activity on your Account.
  • The Bank reserves the right at any time and without notice (except as may be required by the Federal Electronic Funds Transfer Act) to cancel your Card, eliminate any or all of the services that are currently available or to add any new services.
  • The Bank’s liability to you for not completing a transaction will be limited as set forth in the “Financial Institution’s Liability” section of the Electronic Fund Transfers Your Rights and Responsibilities disclosure.
  • Never enter your PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached, or is operating in a suspicious manner.


Types of Debit MasterCard Point-of-Sale Transactions – You may access your checking account(s) to purchase goods in person (and by phone and online with Debit MasterCard) and pay for services in person (and by phone and online with Debit MasterCard). In addition, by using Debit MasterCard you can get cash from a merchant, if the merchant permits or from a participating financial institution with Debit MasterCard, and do anything that a participating merchant will accept.

Standard dollar limitations and charges – Using your card:

  • Signature Point-of-Sale (POS): Transactions are limited to the lesser of $1500.00 per account or the available balance of your checking account (your checking account balance includes available credit on an overdraft line). Transactions are held against your limits until the merchant completes processing of the transaction. This can take up to 72 hours.
  • Pinned Point-of-Sale (POS): $600 per day
    ATM: $310 per day
  • Limits can be modified at customer’s request with Bank approval.

ATM Currency Conversion and Cross-Border Transaction Fees – If you effect a transaction with your Debit MasterCard in a currency other than US Dollars, MasterCard will convert the charge into a US Dollar amount. The MasterCard currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by MasterCard. The exchange rate MasterCard uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account. MasterCard charges a Currency Conversion Assessment (.2% of the transaction) for performing the currency conversion. In addition, MasterCard charges an Issuer Cross-Border Assessment (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in which the country of the Merchant is different than the country of the cardholder.
Advisory Against Illegal Use – You agree not to use your card (s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.


  • We may charge you to replace a lost debit card.
  • We may charge you to replace a stolen debit card
  • ATM Operator/Network Fees – When you use an ATM not owned or operated by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).


Tell us AT ONCE if you believe your card and/or code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within two (2) business days after you learn of the loss or theft of your card and/or PIN, you can lose no more than $50 if someone used your card and/or PIN without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card and/or PIN, and we can prove we could have stopped someone from using your card and/or PIN without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, PIN or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you are grossly negligent or fraudulent in the handling of your card or PIN, you will be liable for unauthorized transactions.


In case of errors or questions about your Electronic Transfers, call or write us at the telephone number or address listed below, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days (20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a new account) for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened.We will tell you the results within three business days after completing our investigation. If we decide there was no error, we will send you a written explanation.You may ask for copies of the documents used in our investigation.