Credit Cards

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Although their appearance is the same, CREDIT, and DEBIT cards are NOT the same. We encourage you to use the information on this page as well as on the debit card page to assist you in determining which card is right for you.

Credit Cards

Credit Cards are lines of credit. When you use a credit card, the issuer puts money toward the transaction. This is a loan you are expected to pay back in full usually within 30 days, unless you want to be charged interest.

Contactless Payment: Our new cards offer a contactless antenna so that you only need to hold your card above the credit card terminal to pay.  

Connected To: Not required to be connected to a checking account.

Monthly Bills: Yes

Application Process: This could depend on your credit score or whatever means you bank uses to deem your credit worthiness.

Spending Limit: The credit limit is set by the credit issuer. Limits increase or stay the same over time as a borrower's  creditworthiness changes.

Interest Charged: If a credit card bill is not paid in full, interest is charged on the outstanding balance

Fraud Liability: Low. Customers are rarely held liable for fraudulent activity. 

Credit History: Responsible credit card usage and timely payments can improve one's credit rating. Credit cards typically report account activity to at least one of the three major credit bureaus on a monthly basis. 

Overdraw Fee: Low. Some credit card companies allow you to go over limit. Most without fees.


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Credit Card FAQs: 

When are the payments due on FMBND credit cards?

Payments are due on the 6th of the month.

Where do I make the payments?

For ease and speed in processing, you may drop off your payment at any of our locations.  However, an envelope will be included with your monthly bill so that payments can be mailed to the VISA payment processing center if you so choose.

Can my payments be automatically deducted from an account at FMBND?

Yes, we can set up automatic payments for you.  Please allow 30 days for implementation.  You may have to make one final check payment during the implementation phase.

Can I receive an alert when my credit card is used so that I may be made aware of any fraud immediately?

VISA also provides card alerts which can be set up at

My credit card is due to expire this month, what is the process for getting a new one?

Your credit card will work for the entire month it expires in.   However you can expect to receive a new one in the mail around the middle of the month and start using it as soon as you have activated it.

I need a new PIN number, what do I do?

If you know your current PIN and just wish to change it, call 1-866-297-3408.  If you have forgotten your PIN, call the Tolna branch at 701-262-4211 so that a new one can be ordered.  You can expect to receive your new one in the mail within 3-5 business days.

I am leaving on a trip soon and should have a credit card, how long does it take to receive one?

Once you have been approved for a card, it takes approximately one week for the card to arrive at the bank.  You would then have to allow 2-3 days mailing time for you to receive it.

Is it necessary to notify the bank before I travel?

Yes, with both debit and credit cards it is best, and in many instances necessary, to notify us of your travel plans so that you do not encounter any issues.

Who do I contact to report a lost or stolen card?

In order to provide the best service possible, please call 1-800-423-7503 on weekends, otherwise please call the Tolna branch at 701-262-4211 to report your card as lost or stolen.

Is there a website available for me as a credit card holder?

Yes, there are two websites we recommend. Use to set up alerts, view transactions & statements, and make payments. There is an option to dispute charges under the Account Services section, but please contact the bank for help disputing charges. If you have any issues with the website, please call the bank. is another website that has additional purchase alerts not available on mycardstatement. Click here to view the differences between the two websites. 

How do contactless credit cards work?

Our newest credit cards have dual interface technology, meaning they have the EMV smart chip which allows you to insert your card in the merchant’s terminal reader as well as the contactless antenna which allows you to hold your card above or tap on the card reader to make your payment for merchandise.   Normally you do not have to enter a PIN or sign for the transaction.  To verify that you have the newest contactless card look for this symbol )))) on your card.