Personal Card – Low Rate

Features

• No annual fee.
• Low introductory rate for the first six months.¹
• Competitive ongoing APR. ¹
• 25-day interest-free grace period on all purchases. No grace period on cash advances.

Benefits

• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at cardaccount.net.
• Rental car collision damage waiver protection and a host of extraordinary Mastercard® benefits.
• Unlike some card offers, the APR¹ for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

 Fees

• Other fees may be charged, these fees are listed on the downloadable application.

Personal Card –World / Preferred Points Rewards

 Features

• Earn points that you can redeem for rewards. Earn one point for each dollar spent, up to 10,000 points per month.
• Low introductory rate for first six months. ¹
• Competitive ongoing APR. ¹
• No annual fee.
• 25-day interest-free grace period on all purchases. No grace period on cash advances.

 Benefits

• Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
• To view or redeem rewards points, visit mypreferredpoints.com or call 866-678-5191.
• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at cardaccount.net.
• Rental car collision damage waiver protection and a host of extraordinary Mastercard benefits.
• Unlike some card offers, the APR ¹ for purchases and cash advances is the same. We do not charge a higher rate for cash advances.

 Fees

• Other fees may be charged, these fees are listed on the downloadable application.

To Apply Now

• Download the PDF application.
• Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen. Paper applications are also available at our local branch office.
• Fax your completed application to the Card Service Center at 877-809-9162.
• Or mail your completed application to:
  Card Service Center
  PO Box 569120
  Dallas, TX 75356-9120
• If you are an existing FCNB customer, you may apply online through your FCNB Online Banking login.

¹ Please see application for information about current APRs and fees.

Business Card – Standard Card

 Features

• No annual fee.
• Competitive ongoing APR.¹
• 25-day interest-free grace period on all purchases. No grace period on cash advances.
• Individual and summary billing options.

 Benefits

• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at cardaccount.net.
• Rental car collision damage waiver protection and a host of extraordinary Mastercard benefits.

 Fees

• Other fees may be charged, these fees are listed on the downloadable business application

Business Card – Preferred Points Rewards

 Features

• Earn one reward point for each dollar spent, up to 10,000 points per month.
• Low annual fee of $49.00 per account.
• Competitive ongoing APR. ¹
• 25-day interest-free grace period on all purchases. No grace period on cash advances.
• Individual billing option only.

 Benefits

• Redeem your rewards points for cash-back awards, retail gift cards, travel and a wide variety of merchandise including cameras, mp3 players, home theater systems, portable DVD players, sporting equipment, jewelry, luggage, electronics, video game equipment, gift cards and more.
• To view or redeem rewards points, visit mypreferredpoints.com or call 866-678-5191.
• 24-hour toll-free live customer assistance available at 800-367-7576.
• Online account information available 24/7 at www.cardaccount.net.
• Rental car collision damage waiver protection and a host of extraordinary Mastercard benefits.

 Fees

• Other fees may be charged, these fees are listed on the downloadable business application.

To Apply Now

• Download the PDF of the business application.
• Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then complete it using a blue or black pen.
• Supporting documents vary depending on the type of business you have. See chart below.
• Fax your completed application to the Card Service Center at 877-809-9162.
• Or mail your completed application to:
  • Card Service Center
  • PO Box 569120
  • Dallas, TX 75356-9120
• If you are an existing FCNB Business customer, you may apply online through FCNB Online Banking.

 ¹Please see application for information about current APRs and fees.

Supporting Documents for Your Card Application

Visa Check Card

Customers are eligible to apply for a Visa Check Card on the day a checking account is opened or any day thereafter.

Visa Check Card allows you to:

• Make purchases anywhere Visa debit cards are accepted around the world.
• Your purchase amount is conveniently deducted from your checking account.
• A debit card saves time because you don’t have to write a check and wait for check approval.
• Detailed description of every card purchase you make appears on your monthly checking statement.
• The Visa Check Card doubles as an ATM card, so you can also use it to obtain cash at thousands of ATMs worldwide.
• No charge for ATM withdrawals at FCNB’s Fayetteville or Oak Hill ATMs
• If your debit card is lost or stolen, contact us as soon as possible at (304) 574-1212 to close the card.

If you need to report a lost or stolen debit card after our business hours, please call 1-800-264-4274. After your card is closed, please come to the bank in person to apply for a new debit card.