NEW!!! Chip Card Technology

NEW!!! FCNB Debit Cards now come with built-in chip technology.

These new cards are not only more secure – they’re also easy to use.

Receive enhanced security. When you use your card at a chip-activated terminal, the embedded chip generates a one-time use code. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Enjoy global acceptance. More merchants are accepting chip transactions every day. Chip-activated terminals are coming to certain U.S. retailers this year – and more locations in the years to come. If a merchant cannot accept chip transactions, simply swipe your card to pay.

If a chip-activated terminal is available, follow these easy steps:

1. Insert the chip end of your card into the terminal with the chip facing up.

2. Keep your card in the terminal throughout the transaction and follow the prompts on screen.

3. Remove your card when prompted and take your receipt.

If you have questions about your new card, please call (573) 775-2151.

EMV Cards - Frequently Asked Questions

For more information on EMV Card Technology, visit



FCNB School Spirit Cards

Show your school spirit with a FCNB School Spirit Card!!! Free to any customer that has a checking account eligible for a debit card. For every transaction made with the School Spirit Card, a $.03 donation is made by FCNB to the respective School District, up to a maximum donation of $1,000.00 per quarter. Currently School Spirit Cards available are: Steelville Cardinals, Cuba Wildcats, Sullivan Eagles, Vienna Eagles, Rolla Bulldogs, Viburnum Blue Jays and Spring Bluff Pirates.

Find a Transfund ATM near you

FCNB Debit Card

The FCNB Debit Card provides the ability to withdraw funds from your checking accounts without ever having to write out a check, making shopping safe, secure and easy. The FCNB Debit Card is accepted wherever VISA is accepted and at ATMs worldwide. The FCNB Debit Card is free on all qualified accounts. Choose between our FCNB Debit Card, FCNB Business Debit Card and FCNB Camo Card, plus our Health Savings Account Debit Card.

Find a Transfund ATM near you

Instant Issue Debit Cards

With traditional card fulfillment, it can take up to 10 days to issue, mail and activate your Debit Card. That may seem like an eternity! Now with Instant Issue Debit Cards, you can now receive your FCNB Debit Card right on the spot, in just a matter of minutes. Plus, you can choose your design - maybe a School Spirit Card, a Camo Card or a Regular Debit Card - the choice is yours. Your new FCNB Debit Card will be ready to use the second you walk out of the branch, anywhere VISA is accepted. Try it today!

FraudWatch Plus

Your FCNB Debit Card is protected around-the-clock against the increasingly savvy perpetrators of debit card fraud with FraudWatch Plus. As an important partner of FCNB, FraudWatch provides industry leading technology, tools and the expertise to manage fraud. Experience fraud analysts work 24/7, watching for any suspicious card activity and will contact you immediately if they detect potential fraud on your card. Fraud is serious business, and can hit anytime. That is why FraudWatch is always on guard to prevent fraud from happening to you. FraudWatch is a free service on any FCNB Debit Card.

Report a Lost or Stolen Debit Card

To report a lost or stolen debit card, call First Community National Bank at (573) 775-2151, or after regular hours call toll free (800) 791-2525.