First State Bank Booklet

Debit Cards for Current Debit Card Holders During the week of February 22, watch for your new First National Bank MasterCard debit card to arrive in the mail. You may activate your card by calling the number listed on the label affixed to the front of the card. At this time, you will also select your 4-digit PIN. Your card will be ready to use when activated. You must activate and begin using your new MasterCard debit card by March 8 as your current card will not work after that date. First National Bank is increasing the debit card limits for the new, contactless MasterCard debit cards (outlined in the chart below). These limits will go into effect when your new card is activated. First National Bank offers a Health Savings Account (HSA) with a debit card, and those limits are outlined below.

NewDebit Card Limits

FSB Current Limits

Consumer Debit Card

ATM

$610

$610

Point of Sale (POS)

$1,500

$2,500

Business Debit Card ATM

$510

$610

POS

$3,000

$3,000

Health Savings Account (HSA) Debit Card (NewAccount Offering, see page 10 for more details) POS N/A

$2,500

First National Bank FraudMonitoring & Alerts First National Bank is utilizing a debit card fraud- monitoring system to further protect our customers from debit card fraud. This system will guard your card from potential debit card fraud 24 hours a day, 365 days a year. If potential fraud is detected, you will be contacted via an automated telephone call. Transactions may be temporarily blocked until verification is completed. It is extremely important that you take time to update your phone number and address information with First National Bank. Current information will enable us to reach you as quickly as possible in the case of a fraud alert.

First National Bank will never request any unsolicited personal or account information by e-mail, through the website, or during a fraud monitoring call. Please do not give out any personal or account information via the internet, e-mail, or phone to any party that you do not believe to be legitimate. If at any time you think your First National Bank MasterCard debit card has been compromised by potential fraud, loss, or stealing, please call any one of our seven locations during normal business hours. If we are not open, please call 800.472.3272 immediately.

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