First Southern has partnered with Mastercard® to offer Debit Cards built with the latest technologies to ensure security and convenience, while providing new and enhanced benefits to simplify your life.‎

Traditional and Online Checking Debit Mastercard

Online & Traditional Debit Mastercard®

First Southern National Bank First Class Debit Mastercard®

First Class Debit Mastercard®

Debit Mastercard BusinessCard®

Debit Mastercard BusinessCard®

HSA Mastercard®

HSA Mastercard®

Improved benefits at no cost to you

Increased Fraud Protection

Our card’s chip technology offers safer, smarter and more secure transactions across cards and contactless, mobile and remote payment channels.

Total Liability Protection

Whether you use your debit card to shop online, by phone or in a store, every purchase is backed by Zero Liability Protection. You won’t be held responsible in the event that someone makes unauthorized purchases with your card.*

*Certain restrictions apply. See www.mastercard.us/zero-liability for details.

24/7 Customer Service

Receive around the clock customer service assistance with lost and stolen card reporting, emergency card replacement, assistance with locating ATMs, and help with card-related questions.‎

Online & Traditional Debit Mastercard® First Class Debit Mastercard®
Mastercard BusinessCard®
Mastercard Contactless and Chip Technology Payments
Mastercard ID Theft Protection™
Mastercard Global Service™
Mastercard Airport Concierge™
Extended Warranty
Satisfaction Guarantee
Priceless Cities Offers & Experiences
Worldwide acceptance at millions of places
Cash access at ATMs worldwide with surcharge-free regional access*
Zero Liability protection
Access to all First Class Checking benefits†
Mastercard Mobile Receipt Management
Intuit QuickBooks® Online and TurboTax® Discount
Mastercard Easy Savings® Program
Mastercard Biz
Mastercard Golf
MasterRental™ Insurance
Simplified Budgeting
*You may still incur fees from the ATM owner. We are part of Alphalink Alliance, a regional network of 205 ATMs. Customers can use these ATMs with no fees from First Southern.
†Benefits are provided by non-affiliated third parties. FAQs

Contactless Payments

Tap & Go® in 3 Simple Steps

Look for the contactless symbol anywhere you shop

Mastercard and Tap & Go are registered trademarks, and the circles design is a trademark, of Mastercard International Incorporated. © 2021 Mastercard. All rights reserved.


Debit Mastercard is accepted at millions of merchant locations worldwide, including restaurants, hotels and online retailers. You can even use your debit card to automatically pay monthly bills.‎

a knight in armor with a shield

Card Sentry

First Southern National Bank is proud to offer protection through Card Sentry.

  • 24/7/365 analyst-staffed call center
  • Fraud monitoring platform powered by ACI’s Proactive Risk Manager (PRM)
  • Automated & human elements together provide a comprehensive debit card fraud monitoring solution
  • Evolving approach to today’s fraud trends
  • Real-Time Denial (RTD) program to decline transactions matching pre-defined criteria for high risk or matching

If you would like to learn more about Card Sentry or any of the services we offer, please contact us.

Has your card been lost or stolen?

To report a lost or stolen ATM or Debit card, please call your local branch. After hours, please call 844-202-5333 and choose option 1.

Mastercard ID Theft Protection comes with your Mastercard at no cost. To activate your ID Theft Protection benefits, visit mastercardus.idprotectiononline.com and enter your card number to start the registration process.

Frequently Asked Questions

If you have other questions you can inquire at any branch, give us a call at 866-602-3762 or visit fsnb.net/mastercard.

What new benefits do I receive with my new Mastercard?
Mastercard offers many new benefits including – ID Theft Protection for every First Class, Traditional and Online Checking cardholder, plus Global Service, Airport Concierge, Extended Warranty, Satisfaction Guarantee, Priceless Cities Offers & Experiences and Contactless Payments. To learn more, you can review your Mastercard Guide to Benefits found with your new card, or visit https://fsnb.net/mastercard/.

What benefits stay the same?
While you will enjoy a number of new benefits with your new Debit Mastercard, there are many perks that will remain the same. All First Class, Traditional and Online Checking cardholders will enjoy – worldwide acceptance, EMV chip technology, cash access at ATMs worldwide, surcharge-free ATM locations at AlphaLink Alliance member banks, and zero liability protection for unauthorized purchases.

If I have multiple accounts, will each account receive a new card?
Yes. Each personal checking account with a Visa® debit card linked to it will be reissued a new First Southern National Bank Traditional Debit Mastercard®.

Can I get a different colored card?
The new card colors are determined by the account type. With appropriate approval, customers who switch account types may keep their existing card. For example, if a customer is an Online Checking customer and upgrades to First Class, it is possible for them to keep their green card to avoid issuing a new card. Both green cards and black cards offer the same customer benefits.

Will my card information change?
Yes. You will receive cards with new card numbers and new expiration dates that are different from your Visa debit card.

Do I need to call to activate my new debit card when I receive it?
There’s no need to call to activate as cards will be mailed activated.

Can I still get a new debit card instantly at my local branch?
Yes. Many of our locations will have instant-issue card printers just like they do today.

Will my PIN remain the same?
For security, your PIN will also be changed. You will receive it following the card. You can also change your PIN number in Digital Banking, at an ATM or at a First Southern branch.

What do I do with my old Visa debit card?
You should destroy your old card or bring to your local branch for disposal. To ensure there is no lapse in access to their account, you can immediately begin using your new Debit Mastercard even if your Visa debit card has not expired.

I use my card for automatic bill pay. What do I need to do?
The bank has enrolled in Mastercard’s Automatic Biller Updater program, however not all merchants participate. It is recommended you update your billing information for automatic payments so there are no disruptions in payments being made in a timely matter.

Can I trust Mastercard?
Mastercard® offers Debit Cards built with the latest technologies that ensure both security and convenience. We believe Mastercard’s chip technology offers safer, smarter and more secure transactions across cards and contactless, mobile and remote payment channels. In addition, Mastercard offers zero liability for customers, so you can rest assured you won’t be held responsible in the event that someone makes unauthorized purchases with your card.

How do I report fraud?
One of the enhanced benefits provided with your new debit card is Mastercard Global Service™. This 24/7 customer assistance line provides you with lost and stolen card reporting, emergency card replacement and emergency cash advances, as well as assistance with locating ATMs. You can also report directly to First Southern by calling us at 866-602-3762.

How do I use the new contactless option for payment?
Contactless payments are easy – just tap and go! Learn more about Mastercard’s contactless feature here – https://youtu.be/8aZ2nKRkFzc.

For even more speed, use Click to Pay

No more forgotten passwords! Add your card to Click to Pay, then simply click “Remember me” and speed through checkouts – fast and secure, no password required. Enroll now at mastercard.com/clicktopay