FNB Home

FNB Internet Banking

FNB Internet Banking Login


Log into Online Banking

Customer ID

Click Above to log
into Internet Banking!


Chip Card Q&A


Cash Management

Telephone Banking

Mobile Deposit


Mobile Banking

Transaction Limits

Picture Pay


Wire Transfer


Deposit Services Debit Card Services Loan Services Free Checking


This page contains general information about Chip Cards and how the technology will keep your card information secure.  If your particular question or concern is not addressed here, please contact the bank at 618-965-3441.

Q:  What are chip-enabled cards?Chip Card
A:   Chip cards make use of microchip technology, which adds a new layer of security to your card transactions.  Each card has a small, square embedded computer chip making your in-person debit card transactions safer from criminal hacking and data theft. 

Q:  What are the benefits of chip technology?
The biggest benefit of switching to chip cards is the reduction in card fraud resulting from counterfeit, lost and stolen cards.

Q:  Why is my card being upgraded to a chip card?
A:  With chip technology, each transaction is approved using a unique encrypted authentication code making it far more difficult for unauthorized users to copy or access your card information.

Q:  Where can I use my new chip card?
A:  You can use your chip card anywhere that accepts debit or credit cards.  You won’t see many changes in how you make everyday purchases.  Your new chip card will include both the computer chip and the magnetic stripe.  With magnetic strip technology, a quick swipe is used to read the data.  With chip cards, the chip is “read” when the card is inserted into the terminal.