ATM/Debit Cards

Need cash on the go when the bank is closed? Tried of writing checks? First National Bank of Litchfield can help with our ATM/Debit cards.

Lost or Stolen Cards

If your card is lost or stolen, please contact the bank immediately at (217) 324-2105 or (800) 255-2939.

If after hours, call (800) 236-2442.

Card Activation & PIN change

To activate your card or change your PIN, call our ATM Voice Response Unit: (866) 392-9952.

You may also use our VRU in reporting lost or stolen cards.

Please Note: When activating your card for the first time, you may be required to use the PIN number sent to you.

ATM Locations & Networks

First National has two ATMs to serve you, located at the drive through at both of our branch locations.

Accepted ATM networks: Nyce, Visa, Visa Plus, Mastercard, Discover, American Express, Quest, Cirrus, and Illinois Link.

FNBL charges no ATM fees for FNBL ATM/Debit Card holders at our branch ATM's. Only non FNBL ATM/Debit Cards are open to a fee.

FNBL ATM/Debit card holders may be subject to fees when used at other banks and ATM's and FNBL has no control over this.


Q: How do I enroll in Debit Card Mobile Alerts?

A: Fill out and sign an enrollment form and return it to the bank. Forms are available upon request at any of our branches, via e-mail, or fax. You will select which type of alerts you would like to receive and also you must specify how you would like to receive the alerts. You can receive alerts by text message, email, or both.

Q: How long does it take to get set up with text messages?

A: It takes just a few minutes to enroll and have a teller complete the process if you are an existing cardholder. If it is a brand new account, you will be enrolled within a couple days of the card being ordered, before it is mailed out to you. You will be notified by text message confirming your enrollment. 

Q: How much does it cost for the service?

A: First National Bank of Litchfield does not charge for this service. However, standard text message and data rates assessed by your mobile carrier may apply. 

Q: Is this service safe and secure?

A: Yes. This service is safe and secure. Our first priority is the protection of your accounts and personal information. The text messages or emails will be branded with FNBL’s name and will appear as: ‘FNB ALERT’ for text messages or “FNBL Debit Card Mobile Alerts’ for email option coming from Also, we never ask for your account number, personal identification or other personal information. If you receive a text message asking for your personal information, or card number, please do not respond. If you ever have questions about a text message/email claiming to be sent by FNBL, please call us at 217-324-2105. 

Q: Can I enroll both my debit and credit card?

A: No. At this time, this service is only available for debit cards.

Q: Can I enroll more than one debit card in Debit Card Mobile Alerts?

A: Yes. You must go through the enrollment process for each card.

Q: Can I add multiple phone numbers?

A: No. Only one mobile phone number can be linked to a card number.

Q: How do I respond to an alert?

A: The Fraud Alert is a one-way text message or email sent to the cardholder. The cardholder will need to call the bank at 217-324-2105 or after hours call the phone number on the back their card for assistance or to report the suspicious transaction(s). 

Q: What if I don’t have text messaging?

A: Text messaging is NOT required for this service. You can enroll with an email address, and receive the same messages delivered to up to two different email addresses.

Q: What actions do I take when I receive a Debit Card Text Alert?

A: If you do not recognize the transaction, call the phone number as instructed. A Fraud Specialist will assist you to determine the validity of the transaction(s) and take appropriate action if fraud is suspected.

Q: What do I do if the transaction(s) is fraud?

A: If the transaction(s) is fraud, you will need to call the banks debit card department at 217-324-2105 or after hours, call the number on the back of the card at (800) 236-2442. Reference the message so that your card can be blocked. They will instruct you on how to file a claim and have a new card issued to you.

Q: How will I know if the alert is coming from FNBL and not a fraud text message?

A: The text message will always come from the number 285-42 and appear as: ‘FNB ALERT’ for text messages or “FNBL Debit Card Mobile Alerts’ for emails, if you ever have questions about whether or not a text message is from FNBL, please call us at 217-324-2105 or toll free (800) 255-2939, Monday through Friday from 8:00 a.m. to 5:00 p.m. CST and Saturdays from 8:00 a.m. to 12:00 p.m. CST. If after hours, call the number on the back of the card at (800) 236-2442.

Q: During what times will I receive alerts?

A: Debit card text alerts are sent out 24 hours a day. Typically, responses arrive within a minute, but timing may vary.

Q: What does the text message/email state?

A: A sample Debit Card Mobile Alert follows: 

FNB ALERT: Declined txn on card ending in XXXX, PIN entered is invalid. 

For help call the bank or after hrs (800)236-2442.

Q: How long should it take to receive a text message (SMS)?

A: Typically, responses arrive within a minute, but timing may vary.

Q: If I am traveling outside of the U.S., can I receive text message alerts?

A: If your carrier has service in another country or region, you may receive the alerts. It is recommended that you contact your mobile service provider to verify that you can receive text messages in a foreign country. Also, as before contact the bank before you leave to ensure you do not run into any complications while you are traveling abroad. 

Q: Will I continue to receive alerts if my mobile phone number changes?

A: In order to receive alerts to your new number, you will need to contact the bank and enroll your new phone number.

Q: Will I still receive alerts if my card number changes (e.g. after a lost/stolen replacement)?

A: If your card number changes, you will need to re-register your new card number by contacting the bank. 

Q: Why do I sometimes receive multiple page messages that appear as Pg1/2, Pg2/2?

A: Text messages on some phones are limited to 160 characters. These phones will split the message into multiple pages to show all of the information.

Q: How do I unsubscribe? 

A: To unsubscribe from this service, you will need to call or come into the bank.

ATM Safety Tips

  • Thieves have been known to target stand-alone ATMs or retailers' point-of-sale machines for "skimming" scams. They rig the "swipe" machine with a device that can capture the magnetic stripe and keypad information. If an ATM looks suspicious (for example, if it has a discolored card reader, an unresponsive keypad, or a reader that looks bolted on or in any way untrustworthy) use another machine.
  • Be wary of nearby strangers or "good Samaritans" that offer to help you, particularly when an ATM "eats" your card. They could be trying to obtain your card and PIN. Also be wary of "shoulder surfing" where the person behind you is close enough to read the information you enter into the machine.
  • Check your bank statements regularly. Make sure all payments are yours, and contact the bank as soon as possible if there are any discrepancies.
  • Utilizing our online banking can help you keep moreup to date track of your accounts as well.
  • Contact FNBL immediately if your card is lost, stolen or subject to fraudulent use.
  • Memorize your PIN. Never store it with your card, write it on your card, or "share" it with others.
  • Keep your receipts. You'll need them to check your statement. If they have your account number on them, shred them before throwing them away.
  • Know your limits. FNBL limits daily purchases and withdrawals for your own protection.
  • If you suspect something is amiss, contact the bank and your local law enforcement agency.
  • Never let anyone "borrow" your card.
  • Keep your card away from magnets.

Personal and Business Debit Cards Available

To meet all of our customers needs, First National has Debit Cards available for both consumers and businesses. Come in or call today to talk with our Debit Card department to determine how we can best serve your Debit Card needs.

Taken wherever Mastercard is accepted.

Debit Cards: Best Practices and Safety Tips

  • Real Time Decisioning: The majority of debit card fraud is conducted through signature based transactions. This can occur when you use your Debit Card as a credit with a merchant and you sign for the transaction. To help give our customers additional peace of mind FNBL has Real Time Decisioning in its Debit Card Program. This feature will not affect PIN based transactions but could block signature based transactions in the following circumstances:
    -Using your debit card outside of the Illinois/Missouri boundaries
    -At foreign risky merchant locations
    -In foreign risky countries
    -At certain locations in the State of Georgia
    -In all foreign eCommerce (Internet) use
  • FNBL may block signature based transactions if we are aware of circumstances of fraudulent transactions elsewhere. Please remember, if your transaction is not accepted at a merchant, re-swipe your card and enter your PIN Number and your transaction should be accepted. If that doesn't work, please call us at (800) 255-2939 or (800) 324-2105. After hours call (800) 236-2442.
  • Memorize your PIN and never share it.
  • If possible, never use a debit card on the Internet; use a credit card instead. In addition to greater legal liability protection with a credit card, you have greater legal protection if goods are defective or don't arrive. A credit card gives you added protection since it it not directly tied to your checking account, as a debit card is. If you do wish to use your debit card online, you may want to utilize Mastercard's SecureCode. It is a simple and secure way to pay at thousands of online stores. To sign up, click HERE.
  • Just as with the Internet, don't use it to order products off the television.
  • Never use your debit card number when setting up reoccurring electronic payments (ex: insurance companies, bill payment companies, etc.). If you run into problems stopping these payments with the biller, the only recourse will be canceling your debit card.
  • Use a debit card only with merchants you trust.

Be aware of Authorizations that may effect your account before the transaction is processed. Authorizations can vary on amounts, sometimes being for or less than the final purchase prices, as well as length of time. It could be one day, or even a week.

It is also a good idea never to let your card leave your sight, and to watch for anyone they may be trying to watch you enter your PIN. It's one thing to watch a clerk "swipe" it right in front of you at a cash register and hand it back to you. It's another story when you hand it off to a potentially unscrupulous waiter or waitress who could have an illegal card "skimmer" (the size of a pack of cards) in their pocket and copy your information after they walk away with it.


Mastercard Zero Liability Rule Change

The following revisions to the rule are effective October 17, 2014:

  • The rule will apply to all transactions conducted with a Mastercard-branded credit/debit card, including PIN-based transactions at Point of Sale (POS) and ATM.
  • A cardholder will not be responsible for an unauthorized transaction, as long as the cardholder has exercised reasonable care in safeguarding the card from risk of loss or theft, and, upon becoming aware, promptly reporting the loss or theft to the issuer. The cardholder could have up to $500 liability if the loss is not reported within two days of discovery or unlimited liability of the unauthorized transaction if not reported within 60 days of when the unauthorized transaction was reported on a periodic statement, thus eliminating the current $50 liability.
  • The rule will continue to apply to cards issued for small business programs, but not to other commercial cards.

Liability for Unauthorized Mastercard Debit Card Transactions on Cards Issued to Certain Consumers and Small Businesses: 

The zero liability limit described below only applies to United States-issued Mastercard branded debit cards issued to natural persons, either for consumer purposes or for business purposes if the card is a “small business” debit card described on Mastercard’s website. The zero liability limit described below does not apply if you are an entity of any sort (corporation, limited liability company, partnership, etc.) or if the card is issued to you for business or commercial purposes other than “small business” as defined above. The zero liability limit described below does not apply until your identity is registered by or on behalf of the card issuer.

Notify the bank AT ONCE if you believe your Mastercard debit card has been lost or stolen or if you believe any unauthorized transactions have been made using your Mastercard debit card. Your liability for unauthorized use of your debit card with the Mastercard logo will not exceed zero dollars ($0.00) if the following conditions have been met: (in) you have exercised reasonable care in safeguarding your card from risk of loss or theft; and (ii) upon becoming aware of such loss or theft you promptly reported the loss or theft to us. If the conditions set forth above have not been met, you may be liable for unauthorized transactions to the extent allowed under applicable law. To notify us of lost or stolen cards, or of unauthorized transactions, call us at 1-217-324-2105 or write to us at: First National Bank of Litchfield, Attention: ATM/EFT Dept., PO Box 450, Litchfield, IL 62056-0450. This will help prevent unauthorized access to your account and minimize any inconvenience.