1st Debit Card

1st Debit Card Card Services



Process payments in seconds

Enjoy withdrawals from millions of ATMs worldwide

Get cash advances at financial institutions worldwide

24hr access to cash

Shop online

Visa branded

Accepted internationally

Real time alerts for POS transactions

3D Secure for online purchases


$20.00 Annual Fee

ATM Fees – 1st National Bank ATMs – free

ATM Fees – Other ATMs (local and overseas) - $5.00 + network fees

FREE at local POS Merchants

Regional/International POS Merchants – 2% of transaction amount

Replacement Card - $25.00

Stolen Card – $25.00 (FREE with Police Record)

POS/ATM Decline or Insufficient Funds outside of St. Lucia - $2.50

IDCs are not issued on 1st Step Savings and Business Accounts


Complete and submit IDC Application Form

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