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Chip Enabled Debit Cards

Every day we hear of new security breaches and debit card fraud; threats which only seem to grow. In fact, many of us have already fallen victim to this crime. To help fight this, credit and debit card paymens in the US underwent a significant change October 1st, 2015 with the introduction of guidelins for EMV cards and terminals. EMV technology is designed to reduce fraud for "in-person" or "card present" transactions.

To comply with the EMV guidelines, First Port City Bank is converting our debit cards to EMV (or "chip") cards. These new cards will have a chip microprocessor requiring the cardholder to insert their card into a terminal instead of swiping. We will be converting existing debit cards to the new cards over the next six months.

Cyber theft is a huge challenge, and we are doing what we can to protect your money and your information. Thank you for your cooperation, and allowing us to be your bank.


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 an attempt is made to use a U.S.-issued card 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 will call 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 will be able to respond via your touchtone keypad.
  • You will also be provided with a toll-free number (1-866-750-9107) to call should we be unable to reach  you by phone.

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.


Click here to view Debit Card Best Practices


Cancelling a Lost or Stolen Debit Card

The first step to stopping account fraud when a debit card has been stolen or lost is reporting it as quickly as possible.

Please call 229-246-6200 during normal business hours to speak with a Customer Service Representative. They will be able to get your lost or stolen card cancelled and reordered.

For after hours reporting please call 229-246-6200 and choose option 9 to report the lost or stolen card.

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