Why use a debit card?

Debit card enthusiasts like the pay-as-you-go concept — the convenience of a credit card, without interest payments or a bill to pay monthly.

Advantages^*

• The F&C Bank debit card is free with any Personal Checking Account!
• Automated Teller Machines (ATMs) can be found nearly everywhere.
• Debit cards are more readily accepted than checks, particularly when traveling.
• Checkout’s quicker — no need for check approval.
• Accepted anywhere you see the Mastercard logo.
• No interest charges.
• You can use your debit card to get cash back when you make a purchase at a store.
• With your card, comes unlimited, free ATM/debit transaction usage at F&C Bank and ULTRA network ATMs.
• Zero Liability
• Chip Technology
• Extended Warranty
• Identity Theft Resolution Services
• Price Protection
• Satisfaction Guarantee
• Mastercard Global Service
• Mastercard Airport Concierge

^*Please see a bank representative for more information.

ULTRA network ATM Locator

HOW DO I ENABLE Apple Pay or Google Pay with my F&C Bank Mastercard Debit Card?

• Make sure your F&C Bank app is the most up-to-date version
• Make sure the Apple Wallet app or Google Wallet app is installed on your phone
• Security Lock Screen is enabled on your phone: Face ID, Fingerprint or Passcode

Log in to your F&C Bank mobile app

Select

• Menu
• Manage Cards
• Select card
• Choose the add button that appears under the card image

Are Digital Wallets Safe?

Digital Wallets use tokenization to help keep your information safe during transactions. Tokenization means that your 16-digit card number is converted into a token of randomly generated numbers which is unique to that transaction.

Apple Pay and Google Pay uses data encryption as an additional safety feature.

In general, digital wallets are considered much safer than using physical credit cards, which can be more easily lost or stolen.  When you lose a physical card, anyone who finds that plastic might be able to use it before you realize it’s missing and prior to attempting to cancel it with the card company.

If you lose your smartphone containing your digital wallet, the thief would have to know your password, have your fingerprint or have the same face as you to get past the phone security settings to access the information.

Digital Wallets offer the convenience of making a purchase with the card information stored on your phone, the card doesn’t have to be present.

Advantages

• No Annual Fee.
• Low introductory A.P.R. on purchases, and no balance transfer fees for six months.
• Earn one point for each dollar charged.
• Earn two points for every dollar of interest billed to your account.
• Earn up to 15 Bonus Points per dollar at participating merchants.
• Redeem points for travel vouchers, event tickets, name-brand merchandise, gift cards and more.
• Receive enhanced Visa® Platinum benefits including 24/7 emergency customer service, 100% fraud protection, auto rental and travel accident insurance, and much more.

Features

• No annual fee.
• Low introductory rate for the first six months¹
• Competitive ongoing APR. ¹
• 25-day interest-free grace period on all purchases. No grace period on cash advances.

Benefits

• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at cardaccount.net.
• Rental car collision damage waiver protection and a host of extraordinary MasterCard® benefits.
• Unlike some card offers, the APR¹ for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees

• Other fees may be charged, refer to the application – Email Customer Service.

Extraordinary benefits with MasterCard® including:

• Concierge Service²
• Price Protection
• Baggage Delay Insurance
• Car Rental Collision Damage Waiver Insurance
• Extended Warranty
• Travel Assistance
• Roadside Assistance
• Purchase Assurance
• Travel Accident Insurance

Certain restrictions apply detailed in the applicable benefits brochure received with new credit card.

¹ Please see application for information about current APRs and fees.
² Concierge Services available with World MasterCard only.

Features

• Earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
• Low introductory rate for first six months. ¹
• Competitive ongoing APR. ¹
• No annual fee.
• 25-day interest-free grace period on all purchases. No grace period on cash advances.

Benefits

• Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
• To view or redeem rewards points, visit mypreferredpoints.com or call 866-678-5191.
• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at cardaccount.net.
• Rental car collision damage waiver protection and a host of extraordinary MasterCard benefits.
• Unlike some card offers, the APR¹ for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

Fees

• Other fees may be charged, refer to the application – Email Customer Service.

To Apply Now

• Request an application – Email Customer Service.
• Fax your completed application to the Card Service Center at 877-809-9162.

Or mail your completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120

Extraordinary benefits with MasterCard® including:

• Concierge Service²
• Price Protection
• Baggage Delay Insurance
• Car Rental Collision Damage Waiver Insurance
• Extended Warranty
• Travel Assistance
• Roadside Assistance
• Purchase Assurance
• Travel Accident Insurance

Certain restrictions apply detailed in the applicable benefits brochure received with new credit card.

¹ Please see application for information about current APRs and fees.
² Concierge Services available with World MasterCard only.

Features

• No annual fee.
• Competitive ongoing APR.¹
• 25-day interest-free grace period on all purchases. No grace period on cash advances.
• Individual and summary billing options.

Benefits

• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at cardaccount.net.
• Rental car collision damage waiver protection and a host of extraordinary MasterCard benefits.

Fees

• Other fees may be charged, refer to the application – Email Customer Service.

Extraordinary MasterCard® BusinessCard benefits include:

• Car Rental Collision Damage Waiver
• Extended Warranty
• Purchase Protection
• Travel Accident Insurance
• Travel Assistance
• Roadside Assistance
• Baggage Delay Insurance

Certain restrictions apply detailed in the applicable benefits brochure received with new credit card.

¹ Please see application for information about current APRs and fees.
² Concierge Services available with World MasterCard only.

Features

• Earn one reward point for each dollar spent, up to 10,000 points per month.
• Low annual fee of $49.00 per account.
• Competitive ongoing APR. ¹
• 25-day interest-free grace period on all purchases. No grace period on cash advances.
• Individual billing option only.

Benefits

• Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
• To view or redeem rewards points, visit mypreferredpoints.com or call 866-678-5191.
• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at cardaccount.net.
• Rental car collision damage waiver protection and a host of extraordinary MasterCard benefits.

Fees

• Other fees may be charged, refer to the application – Email Customer Service.

To Apply Now

• Request an application – Email Customer Service.
  • Supporting documents vary depending on the type of business you have. See chart below.
  • Fax your completed application to the Card Service Center at 877-809-9162.

Or mail your completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120

Extraordinary MasterCard® BusinessCard benefits include:

• Car Rental Collision Damage Waiver
• Extended Warranty
• Purchase Protection
• Travel Accident Insurance
• Travel Assistance
• Roadside Assistance
• Baggage Delay Insurance

Certain restrictions apply detailed in the applicable benefits brochure received with new credit card.

¹ Please see application for information about current APRs and fees.

Debit Card

Digital Banking customers have a feature under the Manage Cards tab that allows the debit card to be turned on and off, 24/7.

During regular banking hours, Monday through Friday, 8:00 a.m. to 5:00 p.m., please contact our customer service department at any of our locations.

During non-banking hours, please call our debit card processor at 844-202-5333. A CSI staff member will ask you questions to verify your identity and will then cancel your card. Card re-issuance will be handled by F&C Bank.

Credit Card

During banking and non-banking hours, please call our credit card processor at 1(800) 367-7576. Our processor is Card Services. Their customer service department will handle the card cancellation and re-issuance.