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
Drive up ATM - East side of Smith County Bank 206 West Hwy 36 Smith Center, Kansas
Drive up ATM - East side of Solomon Valley Bank 3011 U.S. 24 Hwy Beloit, 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®|
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.