Gift Cards

FNB offers MasterCard™ gift cards that can be used anywhere MasterCard™ is accepted! They make a perfect gift for special occasions or can even be used when you're traveling.

  • Load amounts from $10 - $1000
  • Gift cards are in stock at the bank and activated online by FNB for immediate usage
  • $3.00 fee per card for load amounts of $50 or less
  • $5.00 fee per card for load amounts of more than $50
  • Monthly inactivity fee of $2.95 after 12 consecutive months of inactivity
  • Lost/stolen replacement card fee of $5.00

Credit Cards

We make it easy to choose the credit card that is right for you, with three cards to choose from. All three cards are available in two options, Low Rate Card or Preferred Points Card.

  • Visa® Classic
  • Visa® Platinum
  • Gold MasterCard®


Personal Card Low Rate

Benefits

  • Competitive annual percentage rate (APR).*
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection.
  • Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.


Features

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


Fees

  • Other fees may be charged, these fees are listed on the downloadable application.


Personal Card Preferred Points

Benefits

  • Use your Preferred Points Card to earn points that you can redeem for rewards.  Earn one point for each dollar spent, up to 10,000 points per month.
  • 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.
  • 24-hour toll-free live customer assistance available at 800-367-7576.
  • Online account information available 24/7 at www.cardaccount.net.
  • Rental car collision damage waiver protection.
  • Unlike some card offers, the APR* for purchases and cash advances is the same. We do not charge a higher rate for cash advances.


Features

  • No annual fee.
  • Low introductory rate for first six months.*
  • Competitive ongoing APR.*
  • 25-day interest-free grace period on all purchases. No grace period on cash advances.
  • Cash advances can be made for up to 50% of the credit line.
  • To view or redeem rewards points, visit www.mypreferredpoints.com or call 866-678-5191.


Fees

   

To Apply Now

  • Download the PDF Application.
  • Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen. Paper applications are also available at our local branch office.
  • Fax your completed application to the Card Service Center at 972-650-7054.


Or mail your completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120
*Please see application for information about current APRs and fees.

Cards are subject to credit approval. The creditor and issuer of these cards is TIB – The Independent Bankers Bank pursuant to a license from VISA.

ATM Cards

FNB offers ATM cards to customers who only have a savings account. ATM cards cannot be used to make purchases, but can be used at ATM's worldwide.

 

  • Withdraw cash from your savings account
  • Obtain balance information for your savings account
  • No charge for ATM withdrawals at FNB

To report a lost or stolen card after normal business hours please call 1-800-264-4274.

Debit Cards

The FNB Bank Visa Debit Card gives you the power to make your purchases quickly without writing a check. It's fast, easy, and even doubles as your ATM card. Choose a FNB Debit Card or a FNB Spirit Debit Card.

FNB Debit Card

  • Available to all FNB checking account customers
  • Can be used anywhere Visa is accepted
  • Every transaction is automatically debited from your checking account, not charged or billed monthly
  • Transactions are shown in detail with online banking and on your monthly checking account statement
  • Use to withdraw cash from ATM's worldwide
  • Saves you time and money by writing fewer checks each month
  • Pay regular monthly bills automatically using your debit card

To report a lost or stolen card after normal business hours please call 1-800-264-4274.

Spirit Debit Cards

Think... You've got Spirit?

Start Banking with Spirit Today with FNB’s Spirit Debit Card!  


The Spirit Debit Card rewards program allows FNB the opportunity to give back to the school when customers use their debit card.

Check out all of the spirited card features:

  • Customers can choose from a Mayfield Cardinal, Graves County Eagle, or our NEW Trigg County Wildcat branded debit card
  • Works like a traditional debit card with rewards built in with it
  • For each signature-based transaction (not using your PIN), FNB will donate $0.10 to the corresponding school
  • Hassle-free for you...FNB tracks the number of transactions and submits a check to each school quarterly
  • Each school chooses how to spend the donated funds
  • Available with eligible FNB checking account

To report a lost or stolen card after normal business hours please call 1-800-264-4274.

Mayfield Main
101 E Broadway
Mayfield, KY 42066
270-247-1758
Mayfield South
310 Charles Drive
Mayfield, KY 42066
270-247-1352
Lone Oak
3445 Lone Oak Rd

Paducah, KY 42003
270-554-1748
Paducah
630 Jefferson St
Paducah, KY 42001
270-442-7395
Murray
1445 Lowes Dr
Murray, KY 42071
270-767-1240
Wingo
9606 State Route 45 S
Wingo, KY 42088
270-376-5859
Cadiz Main
2558 Main Street
Cadiz, KY 42211
270-522-6021
Cadiz West
1197 Canton Road
Cadiz, KY 42211
270-522-3256