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First City Bank Debit Card

Important Infomation About Your Debit Card

Vbyvisa _bluGet an extra layer of security when you shop online with  your First City Bank Visa Debit Card. Verified by Visa®, is a free service that works behind the scenes when you're shopping online with participating merchants, using advanced technology to confirm your identity. If there’s any doubt – such as when you use a new device or make an unusually large purchase - you may be asked by us to provide more information to confirm the purchase. 

There's no need to download anything or install any software, and there is no service charge. Verified by Visa is just one more way that First City Bank is committed to the security of your account(s).

How it Works

Step 1: Shop at participating online merchants

Look for online merchants that display the Verified by Visa symbol -- it's your assurance that your transaction will have an added layer of protection.

Step 2: Verified by Visa is automatically activated at checkout

It's quick and easy! There is no registration required for Verified by Visa for your First City Bank Visa Debit Card. All the security is happening behind the scenes and you don't need to do anything!

For merchants that are not yet participating in Verified by Visa, don't worry, your Visa card will continue to work as usual.

Step 3: Enjoy enhanced security

Look for the Verified by Visa symbol so you know where to shop online with extra security.

We may be calling you

To protect your account, we monitor your ATM and debit card transactions for potentially fraudulent activity which may include a sudden change in locale (such as when a U.S.-issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world. 

If we suspect fraudulent ATM or debit card use, we'll be calling you to validate the legitimacy of your transactions. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card.

  • Our automated call will ask you to verify recent transaction activity on your card.
  • You'll be able to respond via your touchtone keypad.
  • You'll also be provided with a toll-free number to call should you have additional questions.

Our goal is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times.  

In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions. 
If your card is lost, stolen or you suspect it is being used fraudulently, report it to us immediately by calling (850)244-5151 or after hours (800)472-3272.