Checking Card – Security, Lost Card and More

Q: I’ve lost my debit card after hours. What do I do?

A: Call 1-800-500-1044 immediately and report your card as lost or stolen.

Q: What can I do if I forget my debit card pin number?

A: For security reasons, you will need to come into the bank and present your debit card and personal identification. We will then give you a phone number and instructions that will allow you to create a new pin number.

Q: What phone number do I call to activate my debit card and create a new pin?

A: 1-866-633-5293

Q: When I call to activate my card, it does not work. Why?

A: Be sure that you call from the phone number that the bank has on record for you; and be sure to enter the social security number of the person whose name is on the card.

Q: I ordered something online or over the phone and my debit card was declined. What could be wrong?

A: When you place an online or phone order, the payee (company processing your card) must verify your address. Make sure that they have the correct address and current expiration date of the card. The address must match the address currently on file with FNB.

Q: Can I have two (2) debit cards in my name on the same account?

A: No. Each authorized signer on an account can only have one card per account. You can have more than one card per account, but only one per person.

Q: Why will my debit card not always work in the evening even though I have made a deposit that same day and have funds in my account?

A: At the end of each business day FNB processes all of the day’s activity on each account. There is a time during processing when new deposits are not available. If you have opted into our overdraft protection program, you will not be affected by this. Contact your local office for more information.

Q: My checking account was charged off; however, I have repaid the bank and reopened the account. Why does my debit card not work or my account show up online?

A: When an account is charged off (closed by the bank), both the debit card and Online Banking are cancelled. If you still have your debit card, you may bring it to the bank and have it reactivated. In addition to your debit card, you will need to show identification, sign a form and be reactivated for no fee. If you do not have your debit card, you must pay a $5.00 replacement fee, in addition to the steps previously outline. To reactivate Online Banking, you will need to re-enroll as a new online customer.