CHECK CARDS - AVALIABLE NOW!

The Check Card is a VISA debit card used to:

 

•    Access checking and savings accounts at Star and Plus network ATMs;

 

•    Purchase goods and services wherever VISA is accepted worldwide;

 

•    Get cash advances at VISA bank branches and VISA member offices.

Use your card at:

 

First National Bank Northwest Florida ATMs - You can access all accounts linked to your Check Card at a First National Bank Northwest Florida ATMs. You will need to choose one checking account as your primary account and may choose any other checking accounts and/or savings accounts to be accessible. You can withdraw, inquire, and transfer between accounts. These transactions adjust balances and post exactly as our ATM cards currently post.

 

 

Regardless of which option you choose, the amount of the transaction is debited directly from your primary checking account.

The Check Card acts as an ATM card, but may also be used for purchases anywhere that the VISA^® Check Card is accepted. The Check Card eliminates the inconvenience of the check writing and approval process. It also allows you to carry less cash due to the ATM features of the card. 

 

When you use your card and you select the ''debit'' button on the point-of-sale terminal when you check out, the transaction will be processed just like an ATM transaction and will require the use of your PIN. Or you may select the ''credit'' button and sign for your purchase. Your transaction is then routed through VISA^®, giving you all the protection and benefits of a VISA^® purchase.

IMPORTANT ACCOUNT OPENING INFORMATION

 

Federal law requires us to obtain sufficient information to verify your identity.  You may be asked several questions and to provide one or more forms of identification to fulfill this requirement.  In some instances we may use outside sources to confirm the information.  The information you provide is protected by our privacy policy and federal law.

Unpinned POS transactions – You can make purchases with the Check Card at merchant locations wherever VISA is accepted. You may access only your primary checking account. These transactions route through VISA. Transactions are preauthorized at the point-of-sale and these funds are held until the transaction is presented for posting or 3 business days, whichever comes first.

Foreign ATMs - You can access your primary checking account and your primary or first listed savings account. You can withdraw and inquire. These transactions route through, adjust balances, and post exactly as our ATM cards currently post.  However, if you use your Check Card at a non-FNBNWFL ATM, the terminal owner may still impose a surcharge, you must be notified and given the opportunity to cancel the transaction.

 

VISA ATMs – You can access only your primary checking account for withdrawals and balance inquiries. These transactions route through VISA. They adjust balances and post exactly as our ATM cards currently post.

Pinned POS transactions - You can make purchases with the Check Card and PIN at merchant locations that have a PIN pad by swiping the card and pressing the debit button and entering your PIN.