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

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.