Woman paying for goods with a card

MasterMoney® Debit Card

Embedded microchip technology lets you shop with confidence.


You’ll feel good about using your MasterMoney® Debit Card wherever Mastercard® is accepted, secure in the knowledge that it would be difficult for someone to clone the card or steal your data. Use it for telephone purchases, online transactions, and - of course - at retail stores and similar establishments. 

  • Spend less time writing checks
  • View your account balance anytime.
  • Withdraw cash at 600,000 ATMs in 100+ countries.
  • No monthly service charge
  • Available to customers with FNB Checking Accounts
  • If the store doesn’t have a chip-enabled terminal, just swipe!
  • See additional details

To use your MasterMoney® Debit Card at chip-enabled terminals:

  1. Hold your card horizontally so you can read the writing on it, then slide it into the terminal.
  2. Comply with on-screen prompts like requests for a PIN, a digital signature, or a physical signature on a paper receipt.
  3. When you’re done, remove the card.


Apply for a MasterMoney® Debit Card.

Call 1-800-344-2274 or visit any branch location

Say credit for additional benefits:

  • Sign the receipt and that’s it! No more entering a PIN. No more wondering who’s watching.
  • Statements include the name of the merchant, the location, the date, and the amount of your transaction.
  • No finance charges
  • Subject to credit approval

Report the loss immediately by calling 1-866-546-8273 or stopping by any Branch Location. We’ll get that card canceled and issue you a new one just as quickly as possible.

Immediately. Our real-time system allows faster transactions and lets you to see exactly how much money is available. This excludes Point of Sale Signature Transactions, in which the full amount isn’t withdrawn until 1-3 days later.

You are welcome to log into Online Banking to view pending transactions in your account history. They just won’t have a letter code next to them (ED, AW, etc.). Please note, certain transactions will display a different amount at settlement, and deposits placed on hold will be unavailable until the hold expires.

When you use your card and enter your PIN, that’s a PIN Transaction.

A Signature Transaction doesn’t require a PIN, whether you’re swiping it in person or making purchases over the telephone or internet.

Some Signature Transactions place an initial charge, or pledge, on your card, but the full amount isn’t withdrawn from your account until 1-3 days later, at settlement. For example, a gas station might run a $1.00 charge to confirm your card’s validity, but the final cost of the gas isn’t debited from your account until a a day or two later.

Some pledges go away without actually debiting the account. If you want to report an unfamiliar or incorrect transaction as fraud, we must wait until the money is actually taken from your account. Even if multiple pledges show up, all for the same transaction, there might only be one final debit.

Feel free to withdraw up to $405.00 per day from any of our ATMs, and use your Debit Card to pay up to $1,000.00 at Point of Sale (any non-ATM transaction) in one day. Need to raise the limit? Call at 1-800-344-2274.

To activate your MasterMoney® Debit Card, call 1-800-242-4671 during business hours, select option #4, and then choose option #1. You can also activate the card by conducting a balance inquiry at a First Northern Bank and Trust ATM location (to do this, you must know your PIN).

To change your PIN at an ATM, make the appropriate selection: change password or change security code.

To change your PIN by phone, call 1-888-891-2435 (your card must have been be activated at an ATM or by a bank employee before this option is available).

If you receive a call from a stranger, or someone posing as a bank representative, asking you about either your bank account or your Debit Card purchases, be careful. When Falcon contacts you, they will refer to an incident number, say they are from “Risk Management representing First Northern Bank and Trust”,  and only ask you to confirm transactions as fraudulent or not.

They will not ask for your checking account number or social security number! If anyone calls asking for personal information, particularly if they do not say the name of the bank, do not tell them anything!

Planning a trip? Kindly alert us in advance by calling 1-800-344-2274 or submitting the Debit Card Travel Notification Form before you leave. This way, we can alert the Fraud Center so they don’t block your card.

The MasterMoney® Debit Card is only available to customers who maintain a personal Checking Account with First Northern Bank and Trust. MasterMoney and Mastercard are registered trademarks of Mastercard International Incorporated.