I need FNB card
Executive summary
First National Bank (FNB) issues a variety of cards — debit, reloadable travel cards, unsecured and secured credit cards, and reward cards — that can be applied for online or managed via the bank’s mobile and internet banking tools [1] [2] [3]. To get an FNB card, the most direct path is to choose the card type that fits the need (debit for everyday access, secured to build credit, rewards for points), complete the online application or necessary business form, and then use Card Management in the FNB app to activate and control the card once approved [4] [5] [6] [3].
1. What “FNB card” can mean: debit, rewards credit, or secured credit
FNB’s product suite includes Visa debit cards for day-to-day spending and ATM access, Visa credit cards that earn ScoreCard or other rewards, and a SmartSecured Credit Card designed to help customers build or repair credit by backing the limit with a savings deposit [2] [7] [5]. Grow With FNB emphasizes reloadable travel cards and a range of card aesthetics and features — from school-spirit designs to premium metal options in some markets — showing the bank markets cards for different uses and customers [1] [8].
2. How to choose the right FNB card for the need
If immediate access to funds and fee-conscious ATM withdrawals are priorities, a Visa Debit card tied to an FNB checking or savings account provides worldwide merchant acceptance and ATM access across the bank’s ATM network [2] [9]. For rewards on everyday spending, the FNB SmartRewards credit card awards points per dollar spent redeemable for merchandise and gift cards and uses the bank’s ScoreCard program [7]. For establishing or rebuilding credit, the SmartSecured product requires a savings deposit equal to the credit limit and functions like a regular credit card while building credit history [5].
3. Application paths and documentation required
FNB allows online credit-card applications and offers a consolidated application process for multiple products through its eStore/Common app on some regional sites, while business card applications may still require a signed faxed form to Card Services in certain divisions [4] [6]. Typical documentation noted in product pages includes a non-expired government ID (driver’s license, state ID, passport, military ID, or permanent resident card) and banks may request additional information during evaluation [7]. The exact forms and delivery method depend on the specific FNB entity and card product referenced on the bank’s site [4] [6].
4. After approval: activation and online card management
Once an application is approved, customers are invited to register for online or mobile banking and use Card Management in the FNB Mobile App to add, manage, and control debit and credit cards — including features like instant self-service and fraud alerts [3] [2]. The bank explicitly provides a hotline for reporting lost or stolen cards after hours, indicating 24/7 incident response options in card services [1].
5. Costs, rewards and limitations callers should confirm
Reward rules, fees, point-expiration, and pricing for each card are governed by specific card terms and the ScoreCard program; FNB’s product pages advise reviewing program rules and pricing disclosures for full details [7]. Some FNB Bank-branded credit cards in other divisions are issued by partner banks (e.g., TCM Bank) and carry their own disclosures and pricing documents, so customers must check the card’s Important Disclosures when applying [10].
6. Practical next steps to obtain an FNB card
Select the card type that matches the objective (debit for everyday access, SmartRewards for points, SmartSecured to build credit), open or use an existing FNB account if required, complete the online application or required business fax form for the relevant FNB entity, and register for FNB online/mobile banking to manage and activate the card after approval [4] [5] [6] [3]. Where the provided sources do not specify local branch processes or current rates and fees, consult the specific FNB product page or speak to Card Services for the most up-to-date disclosures [11] [2].