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
  • 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

Instant Issue Debit Cards

If you’re in a pinch and need a debit card fast, we offer instant issue cards. Stop by any of our Southern Wisconsin or Northern Illinois branch locations, choose from a variety of designs, and leave with a new debit 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
  • 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.

Disable-Enable Cards

If your First National Bank and Trust debit card is lost or stolen, you can use the card management feature online and within our mobile app to disable and enable your cards. After you disable the card(s), give us a call at 800.667.4401 to order your new card(s) to prevent further fraud.
how to disable and enable cards in mobile app

Download the FNBT Mobile App

If you don't already have our mobile banking app, download it to your Apple® or Google Android™ device and take control of your cards.

FNBT personal banking app   apple store button for link   Google Play store button for link

A contactless card is a debit or credit card that allows a transaction to be completed with one tap of the card or mobile device at a point of sale terminal displaying this contactless symbol.  If a terminal is not contactless enabled, the card can be used by inserting the chip or swiping, as in the past.
  • Security - EMV chip layer of security
  • Speed - checkout 10x faster than other in-person methods
  • Convenience - quickly tap and go 

You will see the universal contactless symbol on the terminal. If not contactless-enabled, you will still be able to insert into the chip reader or 'swipe' your card to make your payment. Note: you will need a PIN to be able to make a transaction at an ATM.

Your payment will process as it normally does using the EMV chip or magnetic stripe on the back.

You can hold the card within 1-2 inches of the contactless chip reader. Note: you can tap your wallet on the contactless reader, but if you have more than one contactless card in your wallet, you'll need to remove the one you want to use. 

The process is essentially the same as at a merchant. Insert your card, leave it in the ATM, and follow the prompts on the screen. Depending on the type of ATM, you might be prompted to re-insert your card. Leave the card in the ATM until the transaction is complete and the card is released, and then remove your card. A PIN is needed for ATM transactions.
Provide your card information as you have done in the past. Chip cards will not change the way payments are made online or by telephone.
Yes. You can use your contactless card to make digital payments with Apply Pay, Google Pay, Samsung Pay, and mobile devices, such as watches, through participating merchants.
Even though contactless chip cards have started being issued in the U.S. and some merchants have already installed contactless card terminals for payment, the entire conversion process is expected to take a few years to complete.
That's why contactless cards will continue to have a magnetic stripe on the back. That way, if a merchant's terminal or an ATM is not yet contactless chip-enabled, your transaction can still be processed using the magnetic stripe or EMV chip as it is today.
Your card will be replaced with a new contactless card as your current debit card expires. Once your new card arrives, be sure to activate it for use and then destroy your old card. You'll automatically receive your new chip card in the mail before your card's expiration date. There is no extra charge for the new chip card.

If you'd like to request a contactless debit card prior to your current card expiration date, please visit an FNBT branch near you to select an Instant Issue Debit Card which utilizes the contactless technology. 
With Zero Liability–All FNBT debit cards that we issue come with 'zero liability protection,' so you are not held liable for unauthorized transactions if a card is stolen, lost or fraudulently used at a merchant or online. It is important that you promptly report a lost or stolen card or any suspicious transactions. See the applicable agreement for your account on liability and reporting requirements for unauthorized transactions.

Contactless card technology uses the latest chip security, so it is just as safe as inserting a chip card. When used at a chip-enabled terminal, it is protected by a one-time-use code that changes each time you use it.

No, RFID readers and NFC readers can't extract data from your contactless card.

Yes. A PIN or signature is required when the purchase amount is over the cardholder verification method (CVM) limit. This amount will vary based on the network and merchant.
It's important to report a lost or stolen card immediately. Keep a record of the telephone number on the back of your card and call it if necessary.

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.