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Card Services

Manage your Cards

Our card services are designed to give you secure, convenient access to your money, whether you’re managing everyday purchases with a debit card or building financial flexibility with a credit card. Explore each section below to learn how to activate your card, understand your limits, and make the most of the benefits available to you. 

Accessing New Credit Card Information Online

  1. Use your same Online Banking ID you use for your checking account information
  2. From our http://www.fnbt.com webpage click Online Banking in the right corner
  3. You will be prompted for your current Online Banking ID and then your password
  4. After you have been authenticated, you will have a tab near the top of the page labeled Credit Cards
  5. Click the Credit Cards tab and you will be presented with your Credit Card Information

If you are not a current FNBT Bank Online User please click to Enroll Now.

If you have not previously activated your new FNBT Bank Credit Card ACTIVATE your new card online by clicking Activate New Credit Card or by calling (850)796-2122 and following the prompts.

If you have questions or need assistance please email us at bankcards@fnbt.com or call us at (850)796-2000.

Getting Started With Your New Debit Card

Your new Visa Debit Card also serves as your ATM card. To activate it, simply complete a balance inquiry on your checking account at any ATM displaying the CIRRUS or STAR network logos.

Once activated, you can make everyday purchases from your primary checking account wherever Visa is accepted, or withdraw cash at ATMs nationwide.

For your security, daily limits apply:

  • $1,000 per day for point‑of‑sale (POS) transactions

  • $500 per day for ATM withdrawals




















Your privacy matters. Send a secure message to FNBT Bank today.