Check Card and ATM Card Account Information

Below you will find abbreviated account information about our Check Card and ATM cards. Please note that this is not the complete disclosure for our Check Cards and ATM Cards. If you apply for a Check Card or ATM card on-line, we will e-mail the complete disclosure to you so that you can print it and keep it for future reference.
ATM Transfers - You may access your accounts by ATM using your Shazam® ATM Card or your FNBC Visa® Check Card (with personal identification number) to:
  • Make deposits to checking and savings accounts (at our ATMs only).
  • Get cash withdrawals from checking and savings accounts with an ATM card. You may withdraw no more than $500 per day, in combination with point-of-sale transactions. There is a charge of $.50 at Shazam® ATMs we do not own or operate and $2.00 at all other ATMs we do not own or operate. Some financial institutions may charge additional surcharges.
  • Get cash withdrawals from checking and savings accounts with a Check Card. You may withdraw no more than $1,500 per day, or $3000 over 3-days, in combination with point-of-sale transactions. There is a charge of $.50 at Shazam® ATMs we do not own or operate and $2.00 at all other ATMs we do not own or operate. Some financial institutions may charge additional surcharges.
  • Transfer funds from savings to checking accounts and vice versa.
  • Make payments from checking accounts to loan accounts with us (at our ATMs only).
  • Get information about the account balance of your checking and savings accounts.
Types of Shazam® ATM Card Point-of-Sale Transactions - You may access your checking accounts to purchase goods (in person), pay for services (in person), and get cash from a merchant, if the merchant permits, or from a participating financial institution.
Point-of-Sale Transactions - dollar limitations - Using your Shazam® ATM card, you may not exceed $500 in transactions per day, (in combination with ATM transactions).
Types of FNBC Visa® Check Card Point-of-Sale Transactions - You may access your checking accounts to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that you can do with a credit card (that a participating merchant will accept with a credit card).
Point-of-Sale Transactions - dollar limitations and charges - Using your FNBC Check Card:
  • You may not exceed $1,500 in transactions per day.
  • A periodic fee of $1.50 will be charged for each month the card is used less than four times for point-of-sale transactions.
  • We will charge you $5.00 to replace a lost check card.