Contactless Debit Card

Instant Issue Debit Cards

First National Bank and Trust (FNBT) now offers debit cards with contactless technology. It provides enhanced security and faster checkouts. Just tap to pay!

Contactless Technology

FNBT's new contactless debit cards allowing for faster, secure, no-touch transactions at chip enabled merchant terminals with the contactless symbol. No need to insert your card in the terminal and wait for approval - just tap to pay!

Cards issued by FNBT that have the contactless symbol are enabled with contactless payment technology. Contactless cards have the same layer of fraud protection as EMV chip cards for purchases made at the point of sale. The chip uses short-range wireless technology to complete payments between the card and the terminal for secure transactions to prevent unauthorized use and counterfeiting.

Order Your Contactless Debit Card Now! 

  • The new Contactless Debit Mastercard® is currently available as an Instant Issue card which you can get anytime by visiting one of our branch locations.
  • When your current debit card expires, you will automatically be sent a new contactless debit card. 


Follow these steps to use your Contactless card:

  1. Look for the contactless symbol on the chip-enabled point-of-sale terminal.
  2. Place your card over the symbol on the terminal to pay quickly with just a tap. 
  3. Your payment is completed in seconds! 

What if a merchant isn't using a contactless chip-enabled terminal yet?
Your payment will process as it normally does using the EMV chip or magnetic stripe on the back.

Online or Phone Purchases

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.

Using Your Card at an ATM

The process is essentially the same as at a merchant terminal. Insert your card, leave it in the ATM, and follow the prompts on the screen. A PIN is needed for ATM transactions.

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.

Frequently Asked Questions

What is a Contactless card?
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.

What are the benefits of Contactless card payments?

  • Security - EMV chip layer of security
  • Speed - checkout 10x faster than other in-person methods
  • Convenience - quickly tap and go 

How close does the Contactless card have to be to the checkout reader? 
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. 

How do I know if a merchant accepts contactless debit cards?
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.

Is a PIN or signature ever required when using the 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.

Can I use my Contactless Debit Card in a digital wallet and mobile devices such as Apple and Samsung Watches?
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.

How safe are Contactless card 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.

Can someone steal my information remotely using a “contactless reader”?
No, RFID readers and NFC readers can't extract data from your contactless card.

What if my card is lost or stolen?
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.

Contact us for more information

Call us at 1.800.667.4401 or stop in a branch location if you have additional questions about contactless cards, or if you are interested in opening an account.

Mastercard and Mastercard Nearby are registered trademarks, and the circles design in a trademark, of Mastercard International Incorporated. All rights reserved.