Debit MasterCard with Rewards from First National Bank and Trust

Debit Mastercard® with Rewards

​​Get cash from over 70,000 surcharge-free Allpoint and MoneyPass ATMs worldwide and make purchases everywhere Mastercard® is accepted. Plus, earn free debit card rewards. Instant issue debit cards are available if you need a card the same-day.

Debit Mastercard®: The quick and easy way to pay

  • Make purchases worldwide where Mastercard® is accepted
  • Earn reward points for every purchase
  • Widely accepted and convenient and safer than carrying cash
  • 70,000 surcharge-free Allpoint and MoneyPass ATMs worldwide
  • Zero Liability Protection
  • Cellular Telephone Protection*
  • ID Theft Protection
  • Same-day - Instant Issue Debit Cards

Free Debit Mastercard® Rewards Program

This valuable, free program rewards you with points simply for using your FNBT Debit Mastercard and these points can be redeemed for merchandise or gifts.

A rewards account will automatically be created for you when you open a FNBT checking account, so you can start earning points immediately with your FREE debit card. Just create a login at to view your earned reward points and redeem them in our Rewards Center at any time. We've made it that easy!

We'll notify you via email when new points have been added to your rewards account. For faster and easier access to your points, simply link your rewards account to your checking account(s) through the eDeposit feature to take advantage of automatic depositing of your points into your rewards account. No entering your emailed certificate number into your account to deposit!

Easy Ways to Earn Points

  1. Use your FNBT personal Debit Mastercard®
  2. Refer friends or family to open a checking account with First National Bank and Trust
  3. Respond to special offers received in the mail

Redeem Your Points for Merchandise or Gifts

Debit Rewards Points Prizes

Sign into your rewards account at and redeem points for merchandise or gifts. There are a wide range of prizes to choose from, so you can redeem a small amount of points more often, or accumulate points for bigger prizes. What's even better? Your items will be shipped to your doorstep, at no charge to you!

Card on File Benefit

You can add and save your Debit Mastercard information as the preferred payment option when shopping online with merchants such as Amazon, Walmart, Etsy, DoorDash, CVS, Home Shopping Network (HSN), and Lyft. This benefit is free and transactions are easy:

  • No forms/billing information to fill out
  • No need to type in card number (it's already there)
  • Easy and quick online checkouts

CardValet App

Manage your FNBT debit cards at the touch of a button. Get the mobile app that lets you control debit card usage and spending on the go. With CardValet®, you can:

  • Turn your debit card on and off
  • Establish transaction controls for dollar amount limits, merchant categories and geographic locations
  • Receive alerts when your debit card is used, approved or exceeds the transaction controls set by you
  • Stay informed of potential fraud with alerts on attempted, declined transactions

Download the app for your Apple iOS or Google Android device and take control of your debit cards.

Apple App Store button     Google Play Store button

Instant Issue Debit Cards

If you’re in a pinch and need a debit card fast, we offer instant issue cards. We don't make our customers wait to begin using their debit card! Stop by a branch location and leave with a new card in your hand.

  • Have your debit card issued on the spot** at any of our branch locations
  • Start making purchases right away and earning rewards points
  • Currently choose from 7 different designs (samples shown to the right)
  • Accepted anywhere Mastercard® is accepted
  • NEW Instant Issue Cards & Designs

Card Activation

To activate your new debit card by phone
call 1-888-365-8873.

*To file a claim or for more information about Mastercard benefits, contact Mastercard Assistance Center at 800.MC.ASSIST (800.633.4466). See the World Debit Mastercard® Guide to Benefits for complete details.

Rewards in program valued from 100 to 100,000 points. Rewards subject to change without notice and program may be terminated at any time. Points valid for 2 years from date of issuance. Points awarded per checking account. For ongoing card purchases – one point is awarded for every $100 spent with a signature transaction and one-half of a point is awarded for every $100 spent with a PIN transaction. Points awarded in relation to dollars spent subject to change without notice. Rewards Points vary by retailer. See for specific program terms.