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 with your First National Bank and Trust Debit Mastercard®. Instant issue debit cards available if you need a card same-day. First National Bank & Trust understands you need more money at all times, so that's why we are able to issue same day debit cards if you need one!

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
  • Price Protection and Satisfaction Guarantee*
  • Mastercard® Global Service and Airport Concierge*
  • Same Day Debit Cards

Free Debit Mastercard® Rewards Program

This valuable, free program rewards you for simply using your FNBT Debit Mastercard. Visit to setup and manage your rewards account.

Link your checking account(s) to your rewards account for automatic deposit of points. Otherwise, we'll mail points certificates February, May, August and November.

Easy Ways to Earn Points

  1. Use your FNBT personal Debit Mastercard®
  2. Refer friends or family to bank with First National Bank and Trust
  3. Respond to special offers

Redeem Points for Gifts

Visit to view gifts and redeem points. Gifts will be shipped to your doorstep, at no charge to you!


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

Watch the quick tutorial and Get Started!

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. As a bank that gives debit cards immediately, 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
  • Choose from 16 different designs (samples shown below)
  • Accepted anywhere Mastercard® is accepted
Instant Issue Debit Card Design Solid Blue
Instant Issue Debit Card Design Solid Black
Instant Issue Debit Card Design Butterfly
Instant Issue Debit Card Design plant
Instant Issue Debit Card Design rainbow
Instant Issue Debit Card Design water bubbles
Instant Issue Debit Card Design pattern
Instant Issue Debit Card Design baseball
Instant Issue Debit Card Design beach
Instant Issue Debit Card Design guitar

Design Your Own Debit Card

Upload a photo or select an image from our gallery and add personality to your debit card. It’s easy and only takes a few minutes.

  • Showcase your favorite photo – children, pets, vacation spot…whatever is important to you!***
  • Update your card as often as you’d like****
  • Accepted anywhere Mastercard® is accepted

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

**Fee applies per instant issue debit card 

***Mastercard® reserves the right to make final determination on acceptable card images. Please avoid the following as you develop your card: Political statements• Advertising, promotional text, slogans, copyrighted or trademarked material• Phone numbers, URLs• Brand names or branded products• Celebrities, athletes, musicians, public figures, etc.• Mastercard, American Express®, Discover®, Visa® or any other payment brand references• References to any sponsorship property, such as the Olympics or NASCAR• Socially unacceptable groups• Provocative or sexual content• Profanity, obscenities or nudity• Violence, firearms, weapons or ammunition• Alcohol or tobacco • Any content that might result in problems at point of sale or interfere with security features of the card• Any content that might infringe, denigrate or dilute the Mastercard brand or its member financial institutions.

****$9.95 fee applies per custom card

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.