First National Bank Debit Card
Flexible and convenient
Eliminate the inconvenience of the check writing and approval process.
Our MasterCard Debit Card Can Be Used For:
- Accessing checking and savings accounts;
- Purchasing goods and services wherever MasterCard is accepted;
- Getting cash advances at MasterCard bank branches and MasterCard member offices.
When you use your card and you select the “debit” button on the point-of-sale terminal when you check out, the transaction will be processed just like an ATM transaction and will required the use of your PIN, or you may select the “credit” button and sign for your purchase. Your transaction is then routed through MasterCard®, giving you all the protection and benefits of a MasterCard® purchase.
Regardless of which option you choose, the amount of the transaction is debited directly from your primary checking account.
ATM Machines
First National Bank Northwest Florida ATMs
You can access all accounts linked to your Debit Card at First National Bank Northwest Florida ATMs. You will need to choose one checking account as your primary account and may choose any other checking accounts and/or savings accounts to be accessible. You can withdraw, inquire and transfer between accounts; however, our ATMs do not accept deposits.
Non-FNBNWFL ATMs
You can access your primary checking account and your primary or first listed savings account. You can withdraw and inquire. These transactions route through, adjust balances, and post exactly as our ATM cards currently post. However, if you use your Debit Card at a non-FNBNWFL ATM, the terminal owner may still impose a surcharge, you must be notified and given the opportunity to cancel the transaction.
Master Card ATMs
You can access only your primary checking account for withdrawals and balance inquiries. These transactions route through MasterCard.
POS Transactions
Pinned POS Transactions
You can make purchases with the Debit Card and PIN at merchant locations that have a PIN pad by swiping the card and pressing the debit button and entering your PIN.
Unpinned POS Transactions
You can make purchases with the Debit Card at merchant locations wherever MasterCard is accepted. You may access only your primary checking account. These transactions route through MasterCard. Transactions are preauthorized at the point-of-sale and these funds are held until the transaction is presented for posting or 3 business days, whichever comes first.
** International debits are restricted. International Fees may apply.
** First National Bank Northwest Florida Master Card debit cards are restricted from use in gambling establishments (i.e. casinos). Debit cards will not work in gambling establishment ATMs, slot machines, etc.
** The Debit Card is the property of First National Bank Northwest Florida and its surrender may be required at any time. The holder’s use of this card constitutes agreement to the terms and conditions imposed by the issuer. Customers who repeatedly overdraw, or have items (including Debit Card transactions) drawn on Insufficient Funds, may be reviewed using the same criteria set in place for new customers. At the discretion of management, misuse of debit cards or accounts could result in the bank’s revocation of a debit card to prevent the risk to the bank.