Debit Card Facts
Business Debit Card | ATM Safety

If you believe your card has been lost or stolen, please call 773.761.4300 immediately!

What is the difference between my First Commercial Bank Debit Card and a credit card?

Although the Debit Card looks like a credit card, its not. Purchases are deducted directly from your primary checking account. You are not billed on a monthly basis and there is no interest to pay. It also functions as a First Commercial Bank ATM card providing you 24-hour access to your checking and savings accounts.

You can use your VISA® Debit Card at millions of locations worldwide: retail stores, restaurants, supermarkets, hotels, airlines, etc. In addition, since the First Commercial Bank Debit Card is an enhanced ATM card, you can use it at any First Commercial Bank operated ATM free of charge, or use it at thousands of others displaying the Cirrus®, PLUS® and Star® logos.

How do I use the new First Commercial Bank Debit Card?

When you make your purchase, simply sign the sales slip and the purchase amount will automatically be withdrawn from your First Commercial Bank checking account. At an ATM, use the First Commercial Debit Card just as you would an ATM card.

Why is the First Commercial Bank Debit Card better than writing a check?

The conveniences are many. First of all, there’s no need to carry your checkbook and spend time writing checks. You won’t need credit cards, identification or cash. Your First Commercial Bank Debit Card is all you need! It’s a money saver, too! There are no monthly or annual fees, no finance charges, no credit card bills and fewer checks to buy!

How do I keep track of my purchases?

All purchases and ATM transactions will be listed on your monthly checking account statement. You will also receive a receipt with each First Commercial Bank Debit Card purchase or ATM transaction. Please remember to record each amount in your check register.

What happens when I need to return merchandise?

It’s the same as returning merchandise purchased with a credit card or check. Be sure to save your receipt in case you need to return an item. You must resolve issues directly with the merchant.

What accounts can I access?

Debit Card purchases will be withdrawn ONLY from a designated First Commercial Bank checking account. For ATM use, you will be able to access the checking and savings accounts designated on your application.

What about fees?

There are no fees if you sign for your Debit Card purchases or if you use a First Commercial bank operated ATM.

What should I do with my current First Commercial Bank ATM card?

Please destroy your old ATM card once you have activated your Debit Card. You must activate your new card by calling (800) 708-7119 and by conducting a transaction at any ATM.

What happens if my First Commercial Bank Debit card is lost or stolen?

If you believe your card has been lost or stolen, call First Commercial Bank immediately at 773.761.4300. We will stop the use of your card and order a new one for you.

How can I get more information on the First Commercial Bank Debit card?

Stop by any First Commercial Bank location or call 773.761.4300. We'll be happy to answer all your questions!

If you have any questions about First Commercial's VISA® Debit Card or if you would like to apply for one, please see a Personal Banker or call 773.761.4300.