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Debit Cards


Most checkbooks can only do one thing – checking. Our debit card gives you a faster, more economical, more convenient way to buy the products and services you need. That’s because it allows you to withdraw funds from your checking account without ever having to write a check. You can purchase groceries, gas, or anything else wherever MasterCard is accepted. Plus, your debit card performs the functions of an ATM card. Its’ the check-and-withdrawing-funds card all in one.

  • ONE-STEP FAST AND EASY - Forget having to round up your checkbook, a pen, and two forms of identification. With a debit card, every purchase is as simple as using a credit card.

  • WORRY-FREE OUT OF TOWN - No need to worry about getting your checks cashed out of town. A debit card is accepted at every place that accepts MasterCard.

  • ADVANTAGES OF AN ATM CARD - Need to withdraw funds? No problem. A debit card gives you access to your money whenever you need it, through ATM machines.

  • SURCHARGE FREE NETWORK - Access your money at any SUM ATM without a surcharge! With thousands of ATMs across the country, finding a SUM ATM is EASY. Just look for the SUM logo on participating ATMs or use the locator on the website to find a SUM ATM near you. You can also find this link by visiting the Bank's website and clicking on the button ATM Locations. There is also a SUM Mobile ATM Locator for your smartphone. Enter "SUM ATM locator" at your favorite mobile app store and download the app.

  • ECONOMICAL - No need to purchase checks or run the risk of running out of checks when you're at the checkout.

  • SAFEGUARDED AGAINST LOSS OR THEFT - When you receive your debit card, you'll need to call to activate from a phone number on file at the Bank. You will also be prompted to select your own PIN at this time.

  • MONTHLY STATEMENTS - Every month you use your debit card, you'll receive an account statement from the Bank that shows the date, location, and amount of every transaction you've made, and your checking account balances.


Fill out an application for a debit card at First National Bank. You can expect your debit card to arrive within two weeks of your approval. You will be able to select your own PIN when you call to activate your card. You must make your activation call from a phone number on file with the Bank. Before you know it, you'll be experiencing all the benefits of checkless, ATM checking with your own debit card!