Instant Issue Debit Cards 


A smiling young woman holds up the FNB debit card.Another way we put you first is by issuing Debit Mastercard 
instantly at our branches.  So begin a new checking account today, knowing that you can use your debit card today.  No waiting for a card to arrive by mail as might happen with some banks.  Personalize your card with over 110 different card designs including local team cards.  Use your Debit Mastercard  from FNB nationwide at retail locations  and ATMs accepting Mastercard.  

Your card is FREE with any FNB Checking account and there are no FNB transaction fees when you use the card for retail purchases. Also, there is NO FEE for cash withdrawals at ATMs operated by FNB. 

Mobile Wallet is also available for your Debit Mastercard to make purchases using your phone.

The Debit card ATM withdrawal limit is $500 per day.  There is a $1 per transaction fee for cash withdrawals from ATMs not owned by First National Bank of Paragould, Arkansas. There may also be a transaction fee assessed by the owner of the ATM.


Merchant Payment Services 

If you own or operate a business, it pays to accept credit and debit cards. Most of your customers will appreciate the convenience that debit and credit cards provide. Many people no longer carry checks. The average purchase tends to be higher when your customer pays with their debit/credit card, rather than with cash or checks, thus increasing your sales. Our merchant credit/debit card vendor can provide equipment and service for debit/credit card acceptance payment for most any operating environment. You will also receive competitive rates and pricing on equipment. 

For more information on Merchant Card Payment Service or to get started contact us or call 870-215-4000 and ask for a Customer Service Representative to learn more about accepting cards as payment in your business. 


Credit Cards 

Low rates, local service with worldwide access are advantages that a credit card from First National Bank has over an out-of-state credit card company. Many credit cards may offer you a low "introductory" rate then raise your rate after a few months. But FNB offers you a consistently low rate MasterCard. At FNB you also have the many advantages of local bank service. Local service means that you make your payments right here at FNB. Local service also means you can speak to your FNB loan officer when you need to increase your credit line. 

You can shop locally or travel the world and with your MasterCard issued from First National Bank. Call today and speak with one of our loan officers for complete details about the local credit card with worldwide access.


Cash Advance

We offer Cash Advance service inside the lobby at our branch offices. To conduct a cash advance please present your Mastercard or Visa credit card at a teller window along with your personal identification. Cash advance service is subject to the procedures that are in place by the bank and the card issuers.   

Some credit cards may also be able to get cash at our ATMs.   This ATM access is dependent on how the issuer of your card has prepared your card.