The MasterMoney® Debit card gives you easy access to your FNB accounts, as well as the ability to make purchases without having to write a check! The Debit/ATM card entitles you to make withdrawals of up to $300.00 in cash per day, and purchases of up to $1,000.00 per day. You do not incur bank fees or service charges when using your card at any FNB operated ATM machine or at any MasterCard® merchant.
To Activate Debit Card: 1-800-992-3808
If you have problems activating your debit card through the 800 number, please feel free to call 1-217-229-3701 during business hours.
EnFact® Fraud Detection Alerts
Protecting your debit card from fraud requires monitoring 24/7. The First National Bank of Raymond provides automated fraud detection alerts for your debit card. If potentially fraudulent transactions are taking place, you will get either a voice, e-mail or text alert notification to confirm the purchase or report as fraud.
What We Monitor
Your card transactions are monitored for purchases outside your normal purchasing patterns, unusual time frames and geographical locations. We also monitor for purchase patterns that are consistent with previously identified fraud trends.
How We Contact You
How we contact you will depend on whether the phone numbers we have on file are landlines or mobile devices. If a mobile phone number exists, you will receive a SMS/text message. Otherwise, our customer representatives will call or you will receive an automated voice message.
Receiving a Text Message
- The text message will arrive with a 5-digit code 37268 and will contain our financial institution name, dollar amount of the transaction and merchant name.
- If it is a valid charge, reply “Yes” and retry your transaction. You will be able to proceed and continue to use your card with confidence.
- If it is not a valid charge, reply “No.” The transaction will be declined and your card will be blocked to avoid fraudulent transactions.
- Please note: if you have reported your card using our after-hours number, contact your local branch to order a replacement card.
- Do not reply to the text message with any personal or confidential card information.
The First National Bank of Raymond does not charge for this service. However, message and data rates, which are typically assessed by your data provider, may apply. To opt-out of FNB Raymond’s Text Fraud Alerts, reply "STOP" to the message.
Sample Text Alert Messages
Initial Fraud Alert
Free MSG: FNB Raymond Fraud Center 833-735-**** $250.01 on card 1234 at Merchant. If valid reply YES, fraud NO, To Opt Out, STOP.
If you respond “YES”
- FreeMSG FNB Raymond Fraud Center 833-735-**** Thx for confirming. Block on card is being removed. Sorry for any inconvenience. To Opt Out reply STOP.
If you respond “NO”
- FreeMSG FNB Raymond Fraud Center 833-735-**** Your response has placed a block on the card. Call us immediately at 833-735-****, avail 24/7. To Opt Out reply STOP.
Receiving an E-mail Alert
- The Fraud Protection Alert e-mail will provide a Case ID, Cardholder’s first and last name and the last 4 digits of the card in question.
- There will be a statement about our fraud protection solutions
Avoiding E-mail and Text Alert Scams
If ever in question, call us directly: 217-229-3701
Remember: The First National Bank of Raymond will never call, text or email you requesting your personal information, including card numbers, passwords or PIN. If you receive a suspicious phone call or email asking for your personal or confidential information – do not respond. Immediately contact us at 217-229-3701.
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Card Lost or Stolen?
If your card is lost or stolen please contact us as soon as possible. To report a lost or stolen Debit card during regular banking hours, contact your local branch. To report a lost or stolen Debit card after regular banking hours, call 800-544-8969.
Please note: If you have reported your card using our after-hours number, contact your local FNB branch to request a replacement card.
Immediately, open your FNB mobile app and set the lost card to the OFF setting. This can be done anytime from your mobile device. When your cards are OFF, no new withdrawals or purchases will be approved. Previously authorized recurring payments may still go through.
Traveling Outside the Area?
If you are traveling internationally or outside your immediate area of residence and plan to use your debit card, please contact us. Call 1-800-500-3621 or provide your local FNB Branch with your travel dates to avoid potential declines.
Compromised Debit Cards Frequently Asked Questions
What does it mean when FNB says a debit card might be compromised?
A compromised card means that information, such as card number and name, may have been obtained by an unauthorized source. To be clear, FNB’s computer systems were not compromised. In most cases, the breach occurs at the location that accepts or processes debit and credit card transactions.
How does FNB react to compromise notifications?
The First National Bank will reissue new cards to all affected cardholders. In most cases, each cardholder will be notified of the compromise and issued a new card. FNB will also reduce the credit limit on the customer’s current card while leaving it open to use until the new card has arrived. In rare cases, we will be forced to close the affected cards immediately. Along with all FNB cards, cardholder activity is monitored 24 hours a day, 7 days a week to quickly identify and stop any questionable transactions. If questionable activity is detected, the cardholder will be contacted. How we contact the cardholder will depend on whether the phone numbers we have on file are landlines or mobile devices. If a mobile phone number exists, the cardholder will receive a SMS/text message. Otherwise, our customer representatives will call or you will receive an automated voice message to either verify transactions or close the card if the activity is fraudulent.
How long does it take to receive a replacement card?
New cards should be received in 7 to 10 business days if mailed or within 2 days if picked up at your local branch location. Mailed cards will be sent to the address currently on file for your card. For this reason, it is important for FNB to have the most up-to-date address and phone number to avoid any delay in receiving your new card.
What if I do not want my credit limit restricted or card blocked?
The decision to block or restrict a card is made at the discretion of FNB. In most cases, we will make every effort to accommodate our customers’ needs whenever possible. Please do not hesitate to contact our Customer Service department for assistance 217-229-3701.
What if I'm leaving for a trip before the new card arrives?
If this situation arises, please contact your local branch and an instant issue card will be printed and delivered to your local branch.