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, with a First National Bank and Trust Debit MasterCard®, you’re automatically enrolled in our free Rewards Program.

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*

Automatic Rewards — Free with Your FNBT Debit MasterCard

How do you define “reward”? Maybe it’s that gourmet kitchen item you saw on the latest cooking show. A romantic getaway? Hotel gift card? College tuition? These rewards, and more, can be yours when you use your First National Bank and Trust Debit MasterCard® to earn FREE rewards.

How It Works...

  • Enroll
    With a First National Bank debit card, you're automatically enrolled and will automatically earn points.

  • Qualify
    Shop like you always do and get rewarded for it! Earn points for every purchase you make with your debit card.

  • Earn points
    For every $100 spent in signature-based or “credit” transactions, receive 1 point. For every $100 spent on PIN or debit transactions, receive one half of a point.

  • Redeem

    1. You’ll receive a quarterly points certificate by mail.
    2. Go to
    3. Register and enter your certificate number or signup to receive your points automatically. To receive automatically, add your checking account in the “eDeposit” section under the “My Accounts” tab in your rewards account.


  • Redeem your points for merchandise or let points accumulate for higher-value items.

Instant Issue Debit Cards

If you’re in a pinch and need a debit card fast, we offer instant issue cards. 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
  • Accepted anywhere MasterCard® is accepted
Instant Issue Debit Card Design Solid Blue
Instant Issue Debit Card Design Solid Black
Instant Issue Debit Card Design Tree
Instant Issue Debit Card Design Butterfly

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.