We are committed to bringing you the best features and functionality to make banking easy. Your new Mastercard Debit Cards will bring added convenience of contactless “tap” cards which are EMV chip enabled cards, card controls which allow you to manage your debit card from your mobile device using Brella, ID Theft Protection benefits from Mastercard, plus a sleek, clean look with all your information conveniently located on the back.

We will begin mailing new debit cards to current debit card holders beginning November 1st.

· If your card expires between August 14 through October 2026: Your new Mastercard debit card will be mailed to you .

· For all other cardholders: Your new card will be mailed out during our general release starting November 1, 2026.

· Note: To protect your account, your card will arrive in a plain, discreet white envelope without our bank logo. Please do not discard it!

Upon receiving your new Mastercard debit card,

· Simply activate it by calling 1-800-717-4923,

· Select a 4-digit PIN by following the prompts during activation by calling 1-800-717-4923

· Update your recurring automated payments (such as bills, subscriptions, and card-on-file services) with the new card information,

· Destroy your old card.

Please activate your card and choose a PIN by calling 1-800-717-4923 and follow the prompts. You must have your card number and social security number when activating your card.

Yes, your new Mastercard debit card will feature a new card number to access the enhanced benefits.

No, your checking account number, routing number, and paper checks will remain exactly the same. Only the information printed on your debit card is changing.

Yes, you can use the same PIN number you have now when activating your new card. You will need to call 1 (800) 717-4923 to set the PIN for your card. Remember, your current VISA PINs will not automatically carry over to your new Mastercard so you must set the PIN for your new card during activation or by calling 1 (800) 717-4923.

Your new Mastercard debit card will replace your current debit card. After receiving and activating your new Mastercard debit card, please cut up and discard your Visa® debit card.

Enjoy benefits such as contactless “tap” feature, ID theft and fraud protection at no cost, and global acceptance. For a full list of benefits, please visit www.farmersandtradersbank.com or visit any branch location for a brochure of your benefits.

Merchants may request a PIN for MasterCard transactions, but not for Visa transactions, mainly because of differences in transaction fees set by card processors. Using a PIN can lower transaction fees by reducing fraud risk for the processor. This approach may also encourage customers to use debit cards, which typically have lower processing costs than credit cards. Additionally, some merchants require a PIN to enhance security, particularly in environments where privacy may be limited.

It’s important for consumers to be aware of these practices and to consider the security implications of using a PIN for credit card transactions. While some merchants may not require a PIN, it is generally advisable to use a PIN for added security, especially when making larger purchases or when using debit cards.

Please be advised that this matter is beyond our control, as it pertains to the network.

Yes, every debit card you currently have will be replaced with a new Mastercard debit card.

Yes, you will continue to enjoy free ATM access with your new Mastercard debit card at our branch locations.

Please call us at (606) 668-3115 and/or visit one of our branch locations to confirm your address.

You may destroy your Visa debit card once your new Mastercard debit card has been activated.

Your new Mastercard debit card will have a new card number. So, any auto payments tied to your existing debit card will need to be updated with your newly issued debit card information. Please note, your bank account number will not change. So, any payments utilizing your routing and account number will not be affected.

You will need to contact any merchants that automatically charge your existing debit card to provide your new card number and expiration date. This can frequently be done online with each merchant.

We offer instant issue debit cards at our Main Office so, if your new card does not arrive in the mail or is damaged, we will be able to assist you with a new card.

Any returns for purchases originally charged to your Visa® debit card can be processed using your new Mastercard debit card.

Most return credits should not be affected, as credits can post to a closed debit card.

No, you will need to update your BRELLA mobile app with your new card number and remove the old card from your app.

Yes, these options will still be offered so please contact us at (606) 668-3115 to ensure these exceptions are added to your new card. You can make some of these updates such as out of country travel exceptions using your BRELLA app as an added convenience.

No, you will need to contact us at (606) 668-3115 or use your BRELLA app to ensure the travel notifications are enabled for your new Mastercard debit card.

With the Mastercard upgrade, debit card personalization is no longer available. We do offer a number of different designs through our Instant Issue in-branch debit card program so you can ask about this option with any customer service representative.

Yes, these options will be available; however, initially, this will not be an option on your new Mastercard debit card due to restrictions from our processor. We expect these services to resume within the next couple of months and will notify customers via our website when this option is available. Both Visa and Mastercard have a standard policy that new card BINs must wait approximately six months before allowing digital wallet options.

We reissued all Visa cards that were classified as active, issued, or warm status. This indicates that you may have held more than one card with the us. Please contact us with any questions at (606) 668-3115.

When you visited the branch, we issued you a card to ensure uninterrupted access to your deposited funds. However, this action did not prevent the continued production of more than 2,000 cards which included your previous card as part of the mass. Please contact us at (606) 668-3115 with any questions.

If you update your mailing address after 10/15/2026 which is our cutoff date for the mass mailing of all new debit cards to our customers, your card may be returned undeliverable due to this mailing change. Please contact us at (606) 668-3115 if you have not received your card by November 15th, 2026. All undeliverable cards will be sent to our Main Office location for tracking and customer contact. Cards will be retained at our Main Office location for a period of 30 days and then they are physically destroyed.

Yes, U.S. Costco® Warehouses, Costco® Gas Stations, and Costco.com® accept PIN-based Mastercard debit card transactions.

Yes, you can use your new Mastercard debit card for international transactions just like your current debit card. Please contact us at (606) 668-3115 to update your out of country limits for your debit card so your usage is not interrupted.

Yes, instant issue Mastercard debit cards are available at our Main Office location.