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Debit Cards

Imagine getting through life without ever having to dig for change — or worse, write a check. Use your free Visa® debit card for purchases in-store and online. Our debit card is safer than carrying cash and more readily accepted than checks. But if you prefer not to pay with plastic, that's okay too. Our ATM card helps you keep cash close at hand — all across the country.

  • Fast, free, and easy
  • Safer than carrying cash
  • More convenient and safer than checks
  • Eliminate cost of purchasing checks
  • Make purchases anywhere Visa is accepted
  • 24/7 access to funds via ATMs

Verified by Visa

Add an extra layer of security when you shop online. Learn more about Verified by Visa.

Visa Purchase Alerts

Know where your money is going. Visa Purchase Alerts sends you an email or text whenever a purchase is made with your Visa card. You can even choose notification triggers that match your spending habits. Sign up for Visa Purchase Alerts today.

Fraud Text Alerts

Let us keep an eye on your debit card transactions and alert you if we see something unusual with our fraud text alerts.

  • We will text you when we see a suspicious transaction to confirm if you did it 
  • Texts are actionable allowing you to save time by responding directly to our texts
  • Simple as calling us and providing us your cell phone number, and you will receive your enrollment message the next day
  • Backed by our fraud monitoring systems that analyze your transactions to better respond to threats

Want to learn more? Check out our video on text alerts in our Video Library!  

ATM Card
  • Enjoy around-the-clock access to your checking or savings account
  • Use your card at any ATM displaying the Plus System® or VISA® symbols
    • Make withdrawals
    • Deposit cash and checks (FCNB customers only at select FCNB ATMs)
    • View balance
    • Transfers funds between accounts
  • Nominal fee for withdrawals from non-FCNB ATMs
Digital Wallet Services

Upgrade your payment security and convenience with digital wallet services on your mobile device. Your FCNB debit card now works with Apple Pay®, Samsung Pay®, and Google Pay™ to keep your card details safe online or in-store — so you can make fast and secure purchases.

  • Free service available for Apple® and Android™ devices
  • Add your FCNB debit card to Apple Pay, Google Pay or Samsung Pay
  • Make fast and secure purchases
  • Purchases can be made online or in-store
  • Your card details remain safe

See details on how to add your card using Apple Pay.

See details on how to add your card using Google Pay.

See details on how to add your card using Samsung Pay.

Or download one of these free apps now:

Google Pay 

Samsung Pay 

How it Works
With digital wallet services, your actual debit card numbers are never transmitted or shared with merchants. Payment is private — the cashier never sees your name, card numbers or security code.
Instead of using your actual card numbers for purchases, a unique “device account number” is assigned, encrypted, and securely stored. When you make a purchase, the device account number, along with a transaction-specific security code is used to process your payment.