Frequently Asked Questions

Debit/ATM Card FAQs


Get answers about Debit and ATM cards.

Can I get an ATM/Debit card with my First American Bank and Trust account?
Yes! Checking account customers can request a First American Bank and Trust Visa ATM/Debit card. Your card can be used at ATMs, and at any merchant who accepts Debit Visa cards.

Existing checking account holders can come into any branch and fill out a Debit Card Enrollment Form requesting a new card.

How long does it take to receive an ATM/Debit card in the mail?
You will receive your new or replacement ATM/Debit card in the mail within 10 business days after requesting one.

What if there are two or more signers on my checking account?
Separate ATM/Debit cards will be issued, each with a different card number and separate PINs.

Can I change the PIN for my ATM/Debit card?
Yes. You can change your PIN at any branch ATM, or by calling 1-866-985-2273.

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What should I do if I forget my ATM/Debit card PIN?
Call our Customer Service Call Center at 1-800-738-2265. After we verify your information, our Customer Service Representative will issue a temp PIN. You can then change it at any branch ATM, or by calling 1-866-985-2273.

Should I press “Debit” or “Credit” when using the First American Bank and Trust ATM/Debit card?
You should always press “CREDIT” at any merchant that accepts our Visa Debit card. On a signature-based (non-PIN) purchase, you are covered by our Zero Liability Protection. Use your PIN when you wish to receive cash back.

What are the fees to use an ATM?
You can use your First American Bank and Trust ATM/Debit Visa card at any First American Bank and Trust Branch ATM and any Community Cash ATM for FREE! Click here to find a Community Cash ATM or a First American Bank and Trust ATM location.

Using an ATM outside of Community Cash or First American Bank and Trust will result in a charge of $1.50 by First American Bank and Trust plus any surcharge assessed by the ATM owner.

What is the daily withdrawal limit on my ATM/Debit card?
You can withdraw up to $600.00 cash per day with your First American Bank and Trust ATM/Debit Visa card.

What are the daily withdrawal and purchase limits on my ATM/Debit card?
You can withdraw up to $600.00 in cash per day, and signed purchases can be up to $2500.00 per day with your ATM/Debit card.

What should I do if my ATM/Debit card is lost or stolen?
Call our Customer Service Call Center at 1-800-738-2265 during business hours of M-F 8-5 PM. Call anytime 1-800-523-4175.

Will all ATMs accept a deposit into my First American Bank and Trust account?
No. You must deposit funds at any of our branch Lobby, Drive-Up, or night drop.

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