BANK CARD EMERGENCIES!!
- My Bank Card was 'Lost / Stolen'! What should I do?
- How much time do I have to report that my Bank Card is
missing?
- Am I responsible for withdrawals and/or purchases that 'I
DIDN'T MAKE'?
- Why isn't my PIN / Card working?
- What do I do if I've forgotten my PIN? ... or... How do
I change my PIN if I think someone else knows it?
- I left my Bank Card in an ATM and the Bank is closed...
What should I do?
- Why did Farmers (a Farmers' affiliate) call me regarding
my 'Card Activity'?
GENERAL
- If I have Bank Card questions, whom should I contact?
- What is 'STAR'?
- What is the difference between a Bank Card, STAR Card, ATM Card, Common
Sense Card, Check Card, and a Debit Card?
- How do I apply for a Bank Card?... What is required to do so?
- Is my Farmers' Loan or Certificate of Deposit accessible with
my Bank Card?
ATM INFORMATION
- What Farmers' locations have ATMs?... Are they accessible 24 hours
a day?
- How much money may I withdrawal from an ATM?
- How 'current' is my account balance when using an ATM?
- I made a deposit in the ATM. When I tried to cash a check at my
local branch, WHY didn't the deposit show in my account?
CARD PURCHASES
- Can I use my STAR (ATM) Card for purchases?... Is there a
purchase limit?
- What is the purchase limit on my Common Sense (Debit) Card?
- What is 'Verified by Visa' and do I have to use it?
BANK CARD FEES
- What types of fees are associated with Bank Card use at an ATM?
- Is there a fee to use my Farmers' STAR (ATM) or Common Sense
(Debit) Card?
BANK CARD EMERGENCIES
My Bank Card was 'Lost / Stolen'! What should I do?
Reporting Lost or Stolen Bank Cards... During Business Hours
Immediately contact a Customer Service Representative at your local branch or Farmers'
Electronic Banking Department.
Branch Telephone Numbers
Click Here to display our Tri-county
telephone numbers. Selecting a branch link will display it's contact information.
Farmers' Electronic Banking Department
Click Here to obtain contact information for Farmers'
Electronic Banking Dept.
Reporting Lost or Stolen Bank Cards... After Business Hours
Immediately call our STAR Network Representative
Toll free at 1-800-523-4175
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How much time do I have to report that my Bank Card is missing?
Your card should be reported lost/stolen as soon as you notice the card not in
your possession.
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Am I responsible for withdrawals and/or purchases that 'I DIDN'T MAKE'?
- STAR (ATM) Card: Providing you notify the bank within two days of discovering
the loss of the card, you cannot lose more than $50.00. If the bank is not notified
within two business days, and can prove the loss could have been prevented, the loss
could be as great as $500.00.
- Common Sense (Debit) Card: There is no liability for any unauthorized transactions
regardless of when the bank is notified. However; if the bank can prove you, the customer,
committed fraud... the losses may be unlimited.
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Why isn't my PIN / Card working?
Various reasons may cause these results. The two most prevalent reasons are: a) the card was
deactivated due to accidental, invalid PIN use... b) the magnetic strip on the back of the card
is damaged or unreadable. Please visit one of our branches and speak to a Customer Service
Representative for assistance.
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What do I do if I've forgotten my PIN? (or) How do I change my PIN if I think
someone else knows it?
These occurrences should be dealt with in person. Please visit one of our branches and
speak to a Customer Service Representative. It is very important that you have your
STAR / Common Sense Card and Photo ID available to enable our representative to assist you.
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I left my Bank Card in an ATM and the Bank is closed... What should I do?
At the start of the following business day, it is imperative that you contact the Farmers'
branch (or other location) which houses the ATM. A Bank Representative will determine if
your Bank Card is available for your retrieval.
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Why did Farmers (a Farmers' affiliate) call me regarding my 'Card Activity'?
This call is coming from our Fraud Risk Area. For your security, the primary goal of this
area is to monitor the activity on all Common Sense (Debit) Cards. If a transaction does not
appear to coincide with the 'normal activity' for a cardholder, a phone call is placed to
verify that the purchase is valid. If you have any further questions, please contact
Farmers' Electronic Banking Dept.
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GENERAL
If I have Bank Card questions, whom should I contact?
Simply contact a Customer Service Representative at your local branch or Farmers' Electronic Banking
Department.
Branch Telephone Numbers
Click Here to display our Tri-county
telephone numbers. Selecting a branch link will display it's contact information.
Farmers' Electronic Banking Department
E-mail: intsvc@fnbcanfield.com
Phone: Canfield, OH: 330-702-8430
Toll free: 1-888-988-3276
Business Hours:
Monday -Thursday, 8:30 AM to 4:30 PM
Friday, 8:30 AM - 6:00 PM
Dept. Closed Sat. & Sun.
Return to Questions
What is 'STAR'?
STAR is our current ATM Processor and ATM Network Provider.
(previously -- MAC)
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What is the difference between a Bank Card, STAR Card, ATM Card, Common
Sense Card, Check Card, and a Debit Card?
Bank Card is a generic term, which can be used to refer to any of the following...
- Farmers' STAR Card is an ATM Card. It is primarily used at ATMs for: deposits;
cash withdrawals; balance inquires; and account transfers. Select merchants 'may'
honor the use of the STAR Card.
- Farmers' Common Sense Card is also known as either a Check Card or Debit Card --
they are 'one in the same'. Use your Common Sense Card at ATMs; as well as, in
place of your personal checks when paying for goods and/or services -- it is honored
wherever Visa Cards are accepted.
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How do I apply for a Bank Card?... What is required to do so?
To apply for a Bank Card, simply visit any Farmers National Bank and ask to speak to a
Customer Service Representative. Our Representative will complete the application with
you, providing the following requirements are met.
Farmers' Star (ATM) Card
- Applicants must be 18 years of age to apply individually.
- Minors must share account ownership with a legal parent or guardian.
- The Bank Card application must bear both the minor's signature and the
signature of the minor's legal parent / guardian.
- Applicants must own either a Farmers' Checking or Statement Savings Account
- New Customers may expect to wait 30 days while demonstrating appropriate
account handling, prior to being eligible for a STAR Card.
Farmers' Common Sense Card Requirements
- Applicants must be 18 years of age to sign up individually.
- Minors must share account ownership with a legal parent or guardian.
- The application must also bear the signature of the minor's legal
parent/guardian.
- Applicants must own a Farmers' Checking Account. Upon meeting the Checking
Account ownership requirement, a Statement Savings may be added to the card's
accessibility
- New Customers may expect to wait 45 days while demonstrating appropriate
account handling prior to being eligible for a Common Sense Card.
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Is my Farmers' Loan or Certificate of Deposit accessible with my Bank Card?
No... In accordance with the above requirements, account accessibility is restricted
to your Farmers' Checking and/or Statement Savings.
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ATM INFORMATION
What Farmers' locations have ATMs?... Are they accessible 24 hours a day?
Click Here to display our Tri-county
branches. Selecting a branch link will display ATM and branch information.
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How much money may I withdrawal from an ATM?
Withdrawals cannot exceed $300.00 per 24 hour period.
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How 'current' is my account balance when using an ATM?
The balance you receive from the ATM, prior to 9:30-10:00 PM, is the previous business
days ending book balance, less any transactions currently done with your STAR (ATM) /
Common Sense (Debit) Card.
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I made a deposit in the ATM. When I tried to cash a check at my local branch,
WHY didn't the deposit show in my account?
The ATM's are not on-line with Farmers' internal system -- the deposit will be included
in the balance on the following business day if the deposit was made prior to 3:00 PM.
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CARD PURCHASES
Can I use my STAR (ATM) Card for purchases?... If able, what is the
purchase limit?
Providing the merchant displays a
logo within their location, you are permitted to
make purchases with your STAR Card. Purchases cannot exceed $300.00 per 24 hour period.
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What is the purchase limit on my Common Sense (Debit) Card?
Purchases cannot exceed $2,000.00 per 24 hour period.
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What is 'Verified by Visa' and do I have to use it?
Verified by Visa is a program, which is available to cardholders while making purchases
on the Internet. The sole goal of this program is to provide added security against
Identity Theft / Fraud. After cardholders enroll, participating Online Merchants give
the option to couple the online shopper's card number with a unique password. Following
the purchase, the program produces a confidential phrase on the purchase receipt -- one
which had been created by the online shopper during the Verified by Visa enrollment
process. At many participating Online Merchant sites, use of the program is not mandatory;
however, it is strongly suggested that you make use of it when available.
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BANK CARD FEES
What types of fees are associated with Bank Card use at an ATM?
Network Fee: a fee charged by STAR when accessing your Farmers'
account at an ATM that is not using the STAR Network.
Surcharge: a fee that institutions (other than Farmers) charge for the use
of their ATM when you 'are not' one of their account/card holders.
Service Charge: a 'per transaction fee' which Farmers charges for the use
of ATMs at other banks that are serviced within the STAR Network.
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Is there a fee to use my Farmers' STAR (ATM) or Common Sense (Debit) Card?
STAR Card:
- ATM Use: At Farmers' ATMs -- NO FEE
Another Institution's ATM -- You may receive a Surcharge from that institution;
as well as, an additional Service Charge from Farmers.
- Purchases: When you use a STAR Card at a merchant which accepts them, a $.50
Service Charge will be assessed for that transaction.
Common Sense Card:
- ATM Use: At Farmers' ATMs -- NO FEE
Another Institution's ATM -- You may receive a Surcharge from that institution;
as well as, an additional Service Charge from Farmers.
- Purchases: NO FEES are incurred for using your Common Sense Card at merchant
locations that accept VISA for goods and services.
* Your account will reflect all card activity when Farmers' receives information
from the STAR Processor.
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