New Debit Cards Coming in July!

IMPORTANT INFORMATION ABOUT THE UPCOMING DEBIT CARD CHANGE

On July 28, 2008, we will implement a new and enhanced Visa Debit Card program.

The benefits for you as a First National customer are:

We will be mailing the debit cards on or about July 14, 2008 to current debit card holders.  While the card may look the same as your current one, the new card numbers will begin with 4643.  On the reverse of your new card, there will be Accel-Exchange and Plus networks listed.   You will also receive a new PIN approximately three days after you receive your new debit card. DO NOT activate or begin using your new debit card until July 28, 2008. You should continue to use your current card through July 27th but begin using your new and improved card on July 28th.

It is important to know that since you will be receiving a new debit card with a different debit card number and if you use your debit card to pay recurring payments or expenses, you should modify the information with the merchant who receives the payment.

If you currently do not have an FNB debit card and would like one, please contact our new accounts representative at any of our eight convenient branches.

FREQUENTLY ASKED QUESTIONS ABOUT THE NEW CARDS

Q:  Why am I getting a new card?
A:  FNB strives to put you first and we constantly strive to give you additional value and convenience.  The new debit card you will be receiving will allow faster access to deposited funds and more accurate recordkeeping.  Also, we will soon introduce a rewards program!

Q:  How do I activate my new card?
A:  You may simply use it with your new PIN at any ATM.

Q: When will I begin using the new card?
A:  Your new card will not work until July 28th at approximately 5 AM Central Time.  There may be some delays as the networks switch so please plan in advance for an alternate form of payments during the network  switch. 

Q:  What happens if I don’t activate my new debit card?
A:  Your old debit card will no longer work after July 27th.  You must activate your new debit card on July 28th.

Q: How can I tell which is the new card and which is the old card?
A: Many of the old cards will appear similar to the new cards, which have colorful Oklahoma scenes.  The major differences are the new cards will begin with the first four numbers 4643 and will have the network names Accel-Exchange and Plus listed on the reverse side.  The old cards are identified by the Transfund name either on the front or on the reverse side of the card. 

Q:  What should I do with my old debit card once I get my new card?
A:  After you have activated and used your new debit card, you should properly destroy your old card by cutting it into multiple pieces or shredding it.

Q:  I received a card recently.  Will I receive another card in July?
A:  Yes, to ensure no interruption in your debit card access, it was necessary to send you a replacement when your old card was expiring.  You will still receive a new card in July.

Q:  Will my PIN (Personal Identification Number) change?
A:  Yes, your PIN will change.  You will receive a new PIN mailer about three days after you receive your new debit card. 

Q:  How do I change my PIN?
A:  In the mailer, there will be a toll-free number that you may use to customize your PIN and change it to any four digit number you choose.  It takes approximately 24 hours for the PIN change to become effective.  You may change your PIN as soon as you receive the mailer and properly complete the steps. 

Q:  I have automatic charges posting to my account through my current debit card.  How is this affected?
A:  You should notify the merchant with your new card number and expiration date as soon as possible on or after July 28th.

Q:  I currently have an FNB ATM card.  Will I receive a replacement?
A:  All ATM cards will receive a debit card as a replacement.  If you are uncomfortable with a debit card replacement and would like to cancel it, you can either destroy it before it is activated or contact one of our new accounts representatives for assistance.

Q:  How will the ATMs be affected?
A:  The ATMs owned by First National Bank will also be switching networks and there may be some down time on bank-owned ATMS during the week of  July 28th as that switch also occurs. 

Q:  If my new card is lost or stolen, who do I call?
A:  If your new card is lost or stolen and it is from 9 am to 5 pm on a regular banking day, please call 405-275-8830 to report it.  If it is after hours or on the weekend, please call 1-800-554-8969.