Card Services

ATM (Automatic Teller Machine) Card

Your Star ATM card gives you access to your checking and savings account through ATM machines locally and worldwide 24 hours a day, 7 days a week. It is convenient and easy to make withdrawals and transfers between your First National Bank and Trust accounts and balance inquiries at almost any ATM machine.

ATM (Automatic Teller Machine) locations

Drive up ATM – East of Main Bank 225 State Street Phillipsburg, Kansas

Inside White’s Foodliner 934 3rd Street Phillipsburg, Kansas

VISA Check Card (Debit Card)

You won’t have to write any more checks or carry lots of cash with your VISA Check Card. It works like a check, but looks like a credit card. You can use your card wherever VISA is accepted. You can also access cash and account information at over 200,000 ATMs worldwide.

VISA and MasterCard

You will get the personal attention you deserve with a VISA or MasterCard from First National Bank and Trust. Your card is accepted worldwide and is offered at a competitive rate of interest.

When you use First National Bank and Trust's VISA or MasterCard for your purchase of goods or services, you receive the following benefits…

• Automatic Travel Accident Insurance
• Toll-Free Travel Reservation Service
• Bonus Travel Dividends
• Key Registration
• Credit Card Registration
• Quarterly Newsletter
• Extended Warranty
• 90-day Product Protection
• Debt Protection Plan Available

Interest Rates & Interest Charges

Interest Rates and Interest Charges	Visa® & MasterCard®
Annual Percentage Rate (APR) for Purchases	16.08% Fixed
APR for Balance Transfers	16.08% Fixed
APR for Cash Advances	16.08% Fixed
Penalty APR and When it Applies	None
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date (Grace Period) each month.
Minimum Interest Charge	None
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the web site of the Federal Reserve Board at www.consumerfinance.gov/learnmore.
Fees	Visa® & MasterCard®
Annual fee	$12.00
Transaction Fees Balance Transfer Cash Advances Foreign Transaction	None None None
Penalty Fees Late Payment Over-the-Credit-Limit Returned Payment	5.0% of payment due None None
Other Fees	None

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases).* An explanation of this method is provided in your account agreement. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

Top of Page