'Debit By Design' Personalized Debit Card FAQ's

What is a ‘Debit By Design' Personalized Debit Card?

A Debit By Design personalized debit card allows you to personalize how your First National Bank debit card looks using your own digital image to create a one-of-a-kind card. Show off your family, pets, your hobby or favorite vacation spot.

Can I go to a branch to order a custom card?

While 'Debit By Design' cards must be created and ordered online, branch office staff would be happy to assist you.

What if I don't have a debit card from First National?

'Debit By Design' personalized debit cards are reserved for First National debit card holders. If you do not have a debit card from First National, getting one is simple. Contact us to get started.

Is there a fee for a 'Debit By Design' personalized debit card?

Due to the customized nature of the card production, 'Debit By Design' personalized debit cards are $X.XX each. This covers the cost to customize the card and get it to you promptly. Replacement cards (when you renew, replace or wish to switch images on your card) are also $10 each.

How do I create a 'Debit By Design' personalized debit card?

Creating a personalized card or choosing from a gallery of images is simple. Visit the 'Debit By Design' Personalized Debit Card site and follow the prompts to upload your own image or choose from the gallery of images. You can further customize your image by moving,rotating and resizing it on the card. Once you review and accept your card image, you will submit it for review to ensure it is in compliance with the image guidelines and then production. Once accepted, you will receive an email confirming acceptance and you can expect your personalized card to arrive in 10-14 business days. If for some reason your card image is denied after being reviewed, we will contact you.

What file formats are accepted?

Please use a high quality image - the better your image, the better your card will reproduce. Image formats may be in JPEG, PNG, GIF, BMP, or TIFF formats. Please note, the larger the file size of the picture you choose,the longer it will take to upload.

Are there limitations on what types of images are allowed?

Yes. MasterCard has very specific card design guidelines that must be followed and First National reserves the right to reject any submitted image. Image guidelines prohibit images which include but are not limited to:

  • Advertising, promotional text, slogans, copyrighted or trademarked material
  • Phone numbers and URL's (web addresses)
  • Celebrities, athletes, musicians, public figures, etc.
  • Visa, MasterCard, American Express, Discover or any other payment branding
  • References to any MasterCard sponsorship property (i.e. PGA Tour, Major League Baseball, etc.)
  • Socially unacceptable groups
  • Provocative or sexual content. profanity, obscenities or nudity
  • Violence, firearms, weapons, or ammunition
  • Alcohol or tobacco
  • Content that may result in problems at the point of sale or interfere with card security features
  • Content that may infringe, denigrate or dilute the MasterCard brand or its member financial institutions
  • By creating a My Card Personalized Debit Card you assure that First National Bank in Howell is free of risk of any loss, damages or liability should any be incurred by the use of the image.

How long before I receive my new card?

Once your card design is approved, you can expect it to arrive in 10-14 business days.

What happens to my current card once I get a personalized card?

Upon activation of your new, personalized card, you should destroy your old card immediately.

Note that unless you request a new card number, your personalized card will have the SAME card number, but a DIFFERENT expiration date and CVC security code than your existing card. If you have items automatically billed directly to your card, you will need to update this information with the company charging your card.

Can I change the picture on my card?

Yes! The personalized cards allow you to change the image on your card any time you want. There are no special forms to fill out, just complete the process as if you were uploading an image for the first time. It's that easy! Of course, the $10 fee applies each time you change your image.

What if I pay recurring bills using my current debit card?

You will need to contact the vendor initiating the bill payment and switch the transaction to your new custom card information (your new personalized card will have a different card number, expiration and security code than your current card).

If I am replacing an existing debit card with a new,personalized card, what do I do with my old debit card?

Once you receive and activate your new personalized card,you should destroy your old card to ensure that you don't accidentally try to use it again. Your old debit card will be deactivated when you activate your new card.

How and when will I receive my new PIN (Personal Identification Number) for my personalized card?

First National debit cards utilize ‘First PIN’. After you activate your card, the first time you use it, the PIN used is the PIN that is set on the card. You can do this at any merchant or ATM.

I have more than one card on my account can each card be personalized? 

Yes! Multiple cards on the same account can carry the same image or you can make them different. Each card must be ordered separately and will track to the current card number. Whether you choose the same image or two different images for two separate cards, you will be billed $10 for each personalized card ordered.

Can I use more than one personal photo on my card?

No. Only one image can be placed on a card.

How will I be charged for the 'Debit By Design' personalized debit card?

Your checking account will be charged $10 each time you order a personalized debit card.