ATMs – Automated Teller Machines

Did you know your MasterCard Debit card doubles as your ATM card for use at ATMs around the corner and around the globe?

Use your debit card for the following transactions relating to your account(s):

  • Withdraw cash
  • Perform balance inquiries
  • Transfer funds

Note: some of these services may not be available at all ATMs at all times.

You may withdraw up to $1000.00 cash from any First National Bank ATM per calendar day.  Be aware that other ATM terminals not owned or operated by First National Bank may have transaction limitations on the amount you may withdraw per transaction.

Click here for more information about ATM and Debit card fees.

Note: a calendar day is defined as a regular calendar day, Monday through Sunday, and resets at the end of each day at midnight CST for dollar and transaction frequency limitation purposes.

Keep Your Debit Card Secure

Your Personal Identification Number (PIN) serves as your electronic signature & provides access to your financial records.

  • Memorize your PIN — DO NOT write it down. When choosing your PIN, don’t use dates of birth, parts of your social security number, addresses or phone numbers.

  • You must not disclose or share your PIN with anyone or allow anyone to watch when using it.

  • Be sure to keep your PIN is a safe placeNever write it on your card or store it with the card.

  • Treat your Debit card like cash. Always keep your card in a safe place. It’s a good idea to store your card in a card sleeve. The sleeve protects the card’s magnetic stripe.

  • Take your receipt with you. Do not leave it at or near the ATM.  You can get a receipt every time you make an ATM transaction. Verify each transaction by checking the receipts against your monthly account statements to guard against ATM fraud.

  • Report a lost or stolen card at once.


Security at Drive-up ATMs

  • Keep the doors locked, windows up and engine running at all times when waiting in line at a drive-up ATM.
  • When possible, leave enough room between cars to allow for a quick exit should it become necessary.
  • If an ATM is obstructed from view or poorly lit, go to another ATM. If possible, report the problem to the financial institution that operates the ATM.
  • Before rolling down the window to use an ATM, observe the entire surrounding area. If anyone or anything appears to be suspicious, drive away at once.
  • Minimize time spent at the ATM by having your card out and ready to use. Once your transaction is completed, take your money, card and receipt and immediately drive away from the terminal. While conducting a transaction, if anyone or anything appears suspicious, cancel your transaction and leave immediately.
  • If anyone follows you after making your ATM transaction, go immediately to a crowded, well-lit area and call the police.

Security at Walk-up ATMs

  • Always observe your surroundings before conducting an ATM transaction.
  • If an ATM is obstructed from view or poorly lit, go to another ATM.
  • It’s a good idea to take a companion along when using an ATM, especially at night.
  • Minimize time spent at the ATM by having your card out and ready to use.
  • Stand between the ATM and anyone waiting to use the terminal so that others cannot see your PIN or transaction amount.
  • If you see anyone or anything suspicious while conducting a transaction, cancel your transaction and leave immediately.
  • Look for possible fraudulent devices attached to the ATM.

For more information on ATM security, click here to review the ATM Safety brochure.

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