Managing Your Cash Flow Just Got Easier
Our Visa® Debit cards not only offer the convenience of not having to carry cash, but also have the protection of Visa’s Zero Liability policy1. If an unauthorized purchase occurs, you won’t be liable for promptly reported charges. With real-time access to account balances and transactions through Digital Banking, you’re always in control of your money.
Lost or Stolen Card?
Report it immediately in one of the following ways.
Go to "Card management," locate the card you want to lock, then touch the green slider to lock.
To unlock, touch the green slider again.
- Purchase details on every statement for easier budgeting
- More safety and security than carrying cash or checks
- Includes 24/7 monitoring
- Accepted everywhere Visa® is accepted
- No fees at all MoneyPass ATM locations
Use one of the following options:
- Call PHONE BANKING
- Brookings, Cambridge, East Bethel, Edina, Milbank, New Prague, Pipestone, Princeton, Roseville, Toronto, Vermillion, White - 888.800.0123
- Sioux Falls, Canton, Garretson, Madison, Watertown - 877.926.6637
- Log in to DIGITAL BANKING on your desktop or in the app, scroll to "Card management," select the card you want to activate, then select "Activate new card"
- Make a withdrawal or balance inquiry with your PIN at any ATM
- Make a purchase at any merchant using your PIN (not your signature)
- Call CUSTOMER SERVICE during banking hours at 800.843.1552
Or didn’t receive a mailer containing your pin? No problem! Call customer service at 800-290-7893 or stop by your local branch today. If you wish to change your pin, you can visit any of our ATM locations as well.
Visa Instant Debit Card FAQ
Can all deposit holders get a temporary Visa Instant Debit card?
Yes, a consumer cardholder or authorized signer can get a temporary card at any participating First Bank & Trust location.
Do I need to activate this card and select a Personal Identification Number (PIN) before I use it?
Your card is ready to use one hour after leaving the bank. Either use the PIN provided or change it if you prefer. Just be sure to sign the back of the card right away, as merchants will need your signature to verify card ownership. You can use the same PIN for your personalized debit card once you receive it in the mail and activate it.
Can I start using my card right away?
First, sign the back of your card. Then yes, you can use your temporary card to make purchases or get cash one hour after leaving the bank. Your temporary card comes with all the same features and benefits as your personalized debit card. However, we recommend you activate your personalized debit card as soon as you receive it.
Do I have a daily limit on my card?
Your temporary card comes with a daily limit on the dollar amount of purchases you can make with your card. You also have a daily cash withdrawal limit at the ATM. For more information about your daily limits, talk to your local First Bank & Trust banker or call 800.843.1552.
Does the temporary Visa Instant Debit card work the same as the personalized debit card?
Yes, your temporary card comes with all the same features and benefits as your personalized debit card. You can use your temporary Visa Instant Debit card anywhere Visa Debit and credit cards are accepted, including grocery stores, restaurants, gas stations, and even for online, mail and phone purchases.
Plus, the card enables you to get cash, transfer funds between accounts, and make deposits at First Bank & Trust ATMs. The amount of your purchases and transactions will always come out of the primary checking account linked to your card.
It's easy to use your card:
- At a merchant with a keypad: Press “Credit” and sign for purchases. Or press “Debit” and enter your PIN.
- At a merchant without a keypad: Present your card to the cashier and sign the receipt when necessary.
- Online or by phone: Provide your card number and expiration date if you have initiated the contact. Never give these details out to someone who contacts you!
- At an ATM: Insert your card and enter your PIN to withdraw cash.
Can I use my temporary card to pay bills?
Yes, you can use your temporary card to make monthly recurring bill payments. Simply contact your service providers and ask to pay with your First Bank & Trust Visa Instant Debit card. NOTE: When you receive your personalized debit card in the mail, be sure to contact your service providers with your new information, as your card expiration date will change.
Why is the Visa Instant Debit card not personalized with my name?
The Visa Instant Debit card is temporary and specially prepared for First Bank & Trust customers to provide immediate access to the money in your account. Merchants can verify card ownership by checking your signature on the back of the card against your identification.
Is my card safe to use without my name on the front?
Yes, merchants will accept your card as long as you sign the back of the card. Some merchants may ask to see a second form of identification to verify card ownership. As a First Bank & Trust cardholder, your card comes with the built-in security of Visa’s Zero Liability policy.
What should I do if a merchant does not accept my card?
If you run into any issues, call the number on the back of your Visa Instant Debit card. For comments or assistance, stop by your local First Bank & Trust location or call 800.843.1552.
When should I expect to receive my personalized debit card?
Your personalized debit card will arrive in the mail 7-10 business days after you open a new account or request a replacement card. Please activate your personalized debit card as soon as you receive it. You can use your same PIN for your personalized debit card once you receive it. Be sure to destroy your temporary card.
If you do not receive your personalized debit card within 10 business days, please call us at 800.843.1552.
What should I do if my card is lost or stolen?
1Visa’s Zero Liability policy: As the cardholder, you must establish that the transaction is not your responsibility as per the applicable account agreements. Does not apply to ATM transactions or PIN transactions not processed by Visa. Individual provisional credit amounts may be withheld, delayed, limited, or rescinded by an issuer based on factors such as negligence or fraud, delay in reporting unauthorized use, investigation and verification of claim, and account standing and history.
2There is no charge from First Bank & Trust, but message and data rates may apply. Actual time to receive alert dependent on wireless service and coverage within area. Alerts service may not be available in all areas. Gasoline alerts may not include purchase amount. Account activity qualifying for alert service may vary by issuer. Additional restrictions apply.
3A personalized debit card is one that has your name embossed on the card.
EMV® is a registered trademark in the U.S. and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.
Visa is a registered trademark of Visa Inc.
Apple Pay is a registered trademark of Apple Inc.
Google Pay is a trademark of Google LLC.
Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.