Debit Cards

Purchase On The Go With VISA Debit Cards

Choose the FCNB Debit Card that fits your lifestyle. Get the convenience of checking plus the added value of safety, easy record keeping and affordability. The FCNB Debit Card can be used at millions of establishments and ATMs around the world, wherever VISA is accepted.

NEW! School Spirit Clubs

School Spirit Debit Cards

Show your school spirit with a FCNB School Spirit Debit Card!!! Free to any customer that has a checking account eligible for a debit card. By using your FCNB School Spirit Debit Card, your School District receives an annual donation, plus opportunities to support school organizations and projects throughout the year. Currently School Spirit Cards available are: Steelville Cardinals, Cuba Wildcats, Sullivan Eagles, Vienna Eagles, Rolla Bulldogs, Viburnum Blue Jays and Coming Soon - Bourbon Warhawks.

Find a Transfund ATM near you

FCNB Debit Cards

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

Mobile Payment Solutions

FCNB is now registered to offer the three most notable mobile payment systems for our FCNB Debit Cards: Apple Pay, Google Pay and Samsung Pay. With these new services you can use your mobile device to make payments at contactless point of sale terminals. 

Apple Pay
Using the Wallet app, you simply take a picture of your debit card to store on your iPhone. To make a payment, place the iPhone in close proximity to a point of sale terminal that accepts Apple Pay. From there, the transaction is authenticated by using the TouchID fingerprint sensor. The service is compatible with iPhone 6, iPhone 7, iPhone SE and later, along with many Apple Watch, iPad and Mac devices.

Google Pay
Google Pay can be utilized by downloading the Google Pay app. Add debit cards by using the camera to capture the necessary information. Then you can use the app to make payments at existing points of sale terminals outfitted with NFC. For security, Google Pay leverages the fingerprint sensor in the device or uses a passcode to confirm payment. This service is compatible with many Android phones, tablets or watches. 

Samsung Pay
Samsung Pay works on NFC terminals, just like Apple and Android Pay and alternatively offers Magnetic Secure Transmission (MST). That magnetic field effectively allows it to work with traditional credit/debit card terminals. Samsung Pay is compatible with Galaxy S6, Galaxy S7 and additional devices.

Chip Card Technology

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



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.