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 bankatfirstnationalrewards.com 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
- Use your FNBT personal Debit Mastercard®
- Refer friends or family to open a checking account with First National Bank and Trust
- Respond to special offers received in the mail
Redeem Your Points for Merchandise or Gifts

Sign into your rewards account at
bankatfirstnationalrewards.com 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.

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.
