Debit/Credit Cards

Wheat Field

Although their appearance is the same, CREDIT, and DEBIT cards are NOT the same. We encourage you to use the chart below to assist you in determining which card is right for you.


Credit Cards

Credit Cards are lines of credit. When you use a credit card, the issuer puts money toward the transaction. This is a loan you are expected to pay back in full usually within 30 days, unless you want to be charged interest.

Connected To: Not required to be connected to a checking account.

Monthly Bills: Yes

Application Process: This could depend on your credit score or whatever means you bank uses to deem your credit worthiness.

Spending Limit: The credit limit is set by the credit issuer. Limits increase or stay the same over time as a borrower's  creditworthiness changes.

Interest Charged: If a credit card bill is not paid in full, interest is charged on the outstanding balance

Fraud Liability: Low. Customers are rarely held liable for fraudulent activity. 

Credit History: Responsible credit card usage and timely payments can improve one's credit rating. Credit cards typically report account activity to at least one of the three major credit bureaus on a monthly basis. 

Overdraw Fee: Low. Some credit card companies allow you to go over limit. Most without fees.


New ScoreCard Rewards!

ScoreCard Rewards Store:


Credit Card FAQs: 

When are the payments due on FMBND credit cards?

Payments are due on the 6th of the month.

Where do I make the payments?

For ease and speed in processing, you may drop off your payment at any of our locations.  However, an envelope will be included with your monthly bill so that payments can be mailed to the VISA payment processing center if you so choose.

Can my payments be automatically deducted from an account at FMBND?

Yes, we can set up automatic payments for you.  Please allow 30 days for implementation.  You may have to make one final check payment during the implementation phase.

Can I receive an alert when my credit card is used so that I may be made aware of any fraud immediately?

VISA also provides card alerts which can be set up at

My credit card is due to expire this month, what is the process for getting a new one?

Your credit card will work for the entire month it expires in.   However you can expect to receive a new one in the mail around the middle of the month and start using it as soon as you have activated it.

I need a new PIN number, what do I do?

If you know your current PIN and just wish to change it, call 1-866-297-3408.  If you have forgotten your PIN, call the Tolna branch at 701-262-4211 so that a new one can be ordered.  You can expect to receive your new one in the mail within 3-5 business days.

I am leaving on a trip soon and should have a credit card, how long does it take to receive one?

Once you have been approved for a card, it takes approximately one week for the card to arrive at the bank.  You would then have to allow 2-3 days mailing time for you to receive it.

Is it necessary to notify the bank before I travel?

Yes, with both debit and credit cards it is best, and in many instances necessary, to notify us of your travel plans so that you do not encounter any issues.

Can I contact VISA directly with issues?

Yes, the customer service number is 1-800-423-7503.  They are available 24-7.   Although this number would provide many services, it is also the number to call to report a lost or stolen card.

Is there a website available for me as a credit card holder?

Yes, would provide you with access to your transactions & statements.  You could also sign up for paperless credit card statements and make payments.  The customer service number is 866-572-1637 should you need assistance with this website. 






Debit Cards

Any time you use a debit card to buy something, money is deducted from your account. With a debit card, you can really only spend the money you have available to you.

Connected To: Checking or Savings Account

Monthly Bills: No Bills

Application Process: Since this is your money, it is just another way to access it.

Spending Limit: However much money is in your bank account is how much money you have access to.

Interest Charged: No interest is charged because no money is borrowed. It is your money.

Fraud Liability: High. If someone steals you card and makes purchases, that money is removed from you bank account. Investigation this damage takes time. The longer you wait to report the fraud, the more likely you will be held liable for your own losses.

Credit History: Does not affect credit history.

Overdraw Fees: High. Overdraft fees are possible. 


New Debit Card App!   MobiMoney

 Apple app:

 Android app:


Debit Card FAQs:

Is there a limit on the amount that I can use on my Debit Card?

Yes, there is a daily limit to the amount that you can use with your debit card.  You are able to withdraw up to $400 from an ATM on a daily basis, and you can use your debit card in stores for up to $1000 on a daily basis.

Can you use a debit card to check into a hotel?

Using a debit card when you check into a hotel can be dangerous because of the hotel’s practice of putting a hold on funds in your account.  When booking with a debit card, the hotel will most likely place a hold on you account for a fixed dollar amount to cover the potential balance of your stay, along with estimated incidental charges you may incur during your stay.  If you do not maintain a high balance in your checking account, the hold could take your account into negative territory even though you haven’t actually spent that money, resulting in other debit card purchases being refused.  When making reservations of any kind, it may be best to use a credit card.  You can still pay for the stay with a debit card when you check out.  This scenario would also be true for car rentals.

Is it necessary to notify the bank before I travel?

Yes, with both debit and credit cards it is best, and in many instances necessary, to notify us of your travel plans so that you do not encounter any issues. 

When shopping online, is it better to pay by credit card or debit card?

The most significant difference has to do with fraud. If someone makes fraudulent charges with your debit card, the money comes directly out of your bank account.  Even if you are able to get a refund, it can take weeks or months to get that money back.  With a credit card, you can dispute charges and the funds will never leave your account.  
If you do use your debit card online, we recommend the following:

  • Look of the lock:  Make sure you are shopping on a secure website, especially when it’s time to enter your card number.  Look for the lock icon in your browser and pay attention to any security warnings that pop up.
  • Monitor your account:  Check your accounts regularly and set up alerts on your account so that you know when money goes out.  FMBND online banking provides many alert options which can be found under the settings gear in the upper right hand corner. VISA also provides card alerts which can be set up at
  • Use secure connections:  Mobile devices and free Wi-Fi make it easy to get things done, but you never know how secure a public hotspot is.  If you are going to access financial accounts or punch in card numbers, save those tasks for when you are home and know your traffic is safe.
A word of warning about “FREE TRIALS”:

Many websites offer a product or service FREE, most often for a limited amount of time.  If you were to read the fine print that is disclosed when you initially sign up for this “free” service, you would find that if you don’t cancel within the stated amount of time or by a certain date, you will start to receive charges for whatever it is you have signed up for.  Please understand that if you are asked to enter a card number, there is a very real possibility that you will incur charges at some point down the road.  Almost on a daily basis, we receive calls from customers who claim fraud on charges such as these.  Closer investigation shows that it is a legitimate charge that the customer didn’t quite understand they had agreed to.  

For any fraud or disputes for any other reason please call the issue support line  1-800-808-6402   

Hours: M-F 7am-10pm, Sat-Sun 8am-2pm