First National Bank Debit Cards now include EMV Chip

First National Bank is now issuing EMV debit cards. EMV stands for Euro Pay, Mastercard and Visa. These new cards are also referred to as "chip cards" or "smart cards". The new cards contain a small metallic square that is a computer chip, which makes it much harder for criminals to successfully profit from data breaches. Because the data on traditional magnetic strip cards never changes, criminals can easily duplicate the information stored on your card. An EMV chip changes data with every transaction to make duplication less attractive to cyber crime.

The security of the EMV chip along with the convenience a FNB Debit card provides, you have access to your account and ability withdrawal cash using ATM machines located throughout the world. Your FNB debit card can also be used as a substitute for checks at thousands of merchants that accept VISA debit cards without additional charges from First National Bank. EMV Debit cards are free with any First National Bank checking account.

Your debit card allows you to… 
  • use any ATM displaying the Shazam® or PLUS logo. 
  • make cash withdrawals, money transfers between accounts and account inquiries 
  • deposit funds at select ATM’s 
  • avoid surcharge fees when using First National Bank ATMs. 

Use your card for purchases… 

  • at all locations accepting VISA debit cards 
  • instead of writing a check 
  • to avoid the hassle of out of town check approval 
  • as a fast and easy way to pay 


Instant Debit Cards

Because FNB knows it is important that our customers have quick access to an active debit card, you can enter any location and order a new card. Whether you are opening a new account or replacing a lost or stolen card, we can help you get back to your busy life! Stop by our main office in Waverly and we will have your card processed immediately while you wait; or stop by any of our other four locations to place an order and you will have your new card in 24 hours or less.


MyPic Debit Card

Personalize your debit card with your favorite photo! All the benefits of a traditional debit card PLUS the added security of being a one-of-a-kind. For more information or to order a MyPic debit card, click here.


Falcon Protection

With Falcon Protection, we'll give you a call when we suspect your account has been compromised. Click here for more information.


Shazam BOLT$

SHAZAM®BOLT$™ offers you the convenience to manage your debit card wherever the road takes you! SHAZAM®BOLT$™ delivers a safer, easier and faster solution to protect your accounts.

Receive balance information on your phone and get email alerts when suspicious activity is detected on your account. For more information and to enroll, click here.