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


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.