ATM/Debit Cards – FAQ

 How to get an ATM/MasterCard Debit Card

Personal and Business ATM/MasterCard Debit Cards are available* with most First Bank of Tennessee deposit accounts. (*Some restrictions may apply.) 

Request a ATM/MasterCard Debit Card at any First Bank of Tennessee branch – instant issue cards can be printed while you wait, or mailed same day. 

Why signing is better

Signature transactions are processed through the MasterCard network and give you added security to help prevent, detect, and resolve fraud. On many terminals, pressing CREDIT allows you to sign instead of using your PIN. If you are unsure, tell the cashier you would like to sign for your transaction.

You should only use your PIN at secure ATM’s or for cash back purchases.


What if my ATM/Debit Card is lost or stolen?!

If your card has been lost or stolen, notify us immediately! During normal business hours call your local branch or after hours CALL (800) 791-2525. It is important to monitor your account activity through monthly statements, Online Banking, or the 24hr Telephone Banker to more quickly identify any unauthorized transactions. Promptly report any fraudulent activity to your local branch.

What happens if my ATM/Debit card is Blocked or Closed?

Our Fraud Analysts will always try to contact you if there is any suspicious activity on your card, but if fraud is detected and we can’t contact you, your card may be blocked or closed.  Always notify First Bank of Tennessee of any changes in phone number or address.  After hours, if you suspect your card has been blocked or closed, you may CALL (866) 842-5208.

Please let us know if you are traveling!

Planning a trip for business or going on vacation?  Let us know what cities and states you’ll be traveling to so we can help ensure that your  ATM/MasterCard Debit card is available for purchases wherever you roam.  Click here to submit a Travel Notification.

Credit or Debit? What is the difference?

A MasterCard Debit Card works just like a check, only better. For each kind of transaction, Credit (signature) or Debit (PIN), the amount is deducted directly from your checking account. Better than checks or cash – a MasterCard Debit Card is more convenient, more secure, and allows better record keeping.

Shop Online with Confidence.

Your MasterCard debit card is equipped with MasterCard SecureCode – a free simple-to-use service that confirms your identity with an extra password when you make an online transaction.  Learn more HERE.

FraudWatch Plus.

First Bank of Tennessee offers many layers of fraud prevention, detection and protection for your ATM/Debit card transactions.  Click HERE for more information.

Overdraft Service

  • Overdraft Service Is Now Available For Your ATM/Debit Card

    Because it can happen to anyone...

Lost/Stolen ATM Card

  • If your ATM/Debit card is lost or stolen, call (423) 365-8400 immediately. After hours, please call 1-800-791-2525 to receive immediate assistance.

Fraud Watch

  • Did You Know Your Debit Card Comes With A Watch Dog?