Planters First Bank offers a wide array of additional banking products and services designed to give you more convenience in managing your finances.

Credit Cards

Whether you are looking to increase your purchasing power or better control expenses, we have the card that is right for you. Enjoy worldwide credit convenience and hometown service with a Planters First Bank Credit Card!

  • Competitive interest rates
  • Flexible monthly repayment options
  • Cash-Back and Rewards programs available


Please note that to apply:
  • Subject to credit approval.
  • You must be 18 years of age or older.
  • You must have a valid Social Security Number

Choose The Card That's Right For You

With your Planters First Bank MasterCard credit card, you get hometown convenience, worldwide acceptance, great benefits and much more. Choose the card best suited for your needs and apply today.

Current Credit Cards

Click here to visit The Card Services Center

Frequently Asked Questions:

What if my credit card gets lost or stolen? If you have a missing credit card, report it immediately to our 24-hour Customer Service Center at 1-800-854-7642. We will cancel your card and send you a new one.

What if there are unauthorized charges on my stolen card? If your card is stolen, you are not liable for these charges. If you suspect your card has been stolen, please call us as soon as possible at 1-800-854-7642.

What if I want to dispute a charge on my statement? If you wish to dispute a charge on your statement, and you have first tried in good faith to correct the problem with the merchant and have not been successful, call us at 1-800-854-7642.

Where do I send my payments? To remit payment via mail, please send to: The Card Services Center, P.O. Box 71205, Charlotte, NC 28272-1205. Please include your credit card account number on your check.

What are my payment options? Payments can be made by visiting, via mail using your statement remittance payment coupon, or via phone by calling 1-800-854-7642. A $10.00 processing fee will be assessed to your MasterCard/Visa account for expedited phone payments. Please allow 24-48 business hours for your payment to apply to your account.

What account information can I view on This website includes account summary information, your monthly transaction activity, downloadable transaction files, statement delivery options, account alert options, online payment capability, editable account preference options, fraud alert options, and other pertinent information related to your credit card account.

If I use this service, will I still get a paper statement in the mail? Unless you elect to receive your statement online, use of this service will not have any effect on whether or not you get a paper statement in the mail.

Who do I contact if I have an issue with my displayed account information? If you have questions about charges to your account, transactions on your account or any other account information displayed on this website, please call 1-800-854-7642.

Compare Personal Credit Cards: Choose the personal card best suited for your needs and apply today.

Personal Credit Cards

Compare Business Credit Cards: Choose the card best suited for your business needs and apply today.

Business Credit Cards

Other Services Offered

  • Check Orders – Time to reorder checks? You may submit a reorder request with the Customer Message Center within your Online Banking or you may contact your local branch.
  • U.S. Savings Bonds – Redeem your Savings Bonds. Want to purchase bonds or check the value of old U.S. Savings Bonds? Use the Savings Bond Calculator.
  • Safe Deposit Boxes – Keep your valuables safe! Offered in various sizes at our branch locations.

Overdraft Protection

Link your Planters First Bank checking account to another Planters First Bank checking account, savings account or line of credit to help avoid any hassle or embarrassment from your account being overdrawn.

Stop Payments

Stop Payment can be requested by the writer or drawer of a check, made to the bank the check was written on, to not pay the check as written but to refuse it instead. The payment is remanded and asked to be stopped.

Wire Transfers

Wire transfers are a fast way to send funds between financial institutions for credit to another account. With a signed request, Planters First Bank can assist you in making an outgoing wire transfer from any of our branches, for a nominal fee.

  • Incoming & Outgoing domestic wires may be sent from 8:30 a.m. (EST) until 4:30 p.m. (EST) Monday through Friday. All wire requests received after 4:30 p.m. (EST) will be processed the following business day.
  • Outgoing international wires may be sent from 8:30 a.m. (EST) to 2:30 p.m. (EST) Monday through Friday. All requests received after 2:30 p.m. will be processed the following business day.

Switch to Planters First Bank!

We’d love you to bank with us. If you’d like to move your banking relationship to Planters First Bank, just follow the directions as outlined in the document below Switch Kit for Personal or Business Accounts.


Important reminders when switching to Planters First Bank

  • Send notification to companies who make automatic withdrawals from your account that you have a new bank.
  • Send notification to direct deposit companies that you have a new bank account.
  • Enclose a voided check from your new account when setting up a direct deposit for verification purposes.
  • Keep your new Planters First Bank routing and account number handy for direct deposit and automatic withdrawal requests.
  • Allow up to 30 days for checks to clear from your old account and your direct deposit to be changed to your new account.
  • Make sure you have enough funds in your account to cover any pending automatic payments.
  • Destroy any unused checks, deposit slips, ATM or check cards.
  • Notify your current bank that you are closing your account.

Debit Card Programs

Discover Debit Program:

Discover is accepted at 9.6 million merchant locations, 98% of locations that currently accept competing card brands. We have your all-access pass to self-serve transactions including online and in-store purchases, ATM cash withdrawals and more.

Plus you get:

  • Zero liability protection
  • Lowest purchase price guarantee
  • Card and document registration services
  • Identity theft defense
  • Your new Discover debit card features chip technology which provides enhanced fraud protection. The chip improves your security every time you make purchases at a
  • chip-enabled terminal
  • SecurLock™ Equip offers you the ability to control how, where, or when your debit card is used via your mobile device. Download it today, search for SecurLOCK Equip in your app store. To learn more contact your local Planters First Bank branch for details.

Click here to learn more about Discover Debit Program.


MasterCard Debit Program:

Your Planters First Bank MasterCard debit card is a secure, convenient way to access your funds and pay for your everyday purchases.

Use your debit card anywhere MasterCard is accepted – in stores, online, over the phone. It works exactly like writing a check - funds for your purchase are taken directly out of your checking account. You can also get cash and check balances from any ATM machine.

  • Zero Liability protection
  • Mastercard Global Service
  • Mastercard ID Theft Protection™
  • SecurLock™ Equip offers you the ability to control how, where, or when your debit card is used via your mobile device. Download it today, search for SecurLOCK Equip in your app store. To learn more contact your local Planters First Bank branch for details.


Lost/Stolen Debit Card:

If you discover your debit card is missing, it's important to call the bank right away. During regular business hours, contact your local branch to report your card lost/stolen.

After regular business hours, please contact 1-800-500-1044 to report your card lost/stolen.

If you suspect you have been a victim of Identity Theft, visit for information on steps you can take.