- Quick Switch Kit - Personal & Business Accounts
- Change of Address
- Authorization Form - Overdraft Protection
- Consumer Loan Application
- Mortgage Application
- Bill Pay FAQ
- Online Banking FAQ
- CASH COUNTS Benefits
- Sample ACH Debit Authorization Form
- Sample ACH Credit Authorization Form
- 2023 Holiday Schedule
Stay Alert to Fraud
First National Bank is dedicated to the safety of our customers' information. Yet, every year criminals find new ways to trick consumers through scams, fraud, and ploys for information or cash. Always remember that FNB will never call or text a customer to ask for their account number, personal identification number (PIN), social security number, name, address, or password via phone, email, or text message. If you receive a suspicious communication, do not respond. Instead, contact FNB via a known, published number to report the communication and ensure your account remains secure.
Cyber CrimeAvoiding cyber crime requires a multi-layered approach. Below are tips from the Federal Bureau of Investigation (FBI).
Internet-enabled crimes and cyber intrusions are becoming increasingly sophisticated and preventing them requires each user of a connected device to be aware and on guard.
- Keep systems and software up to date and install a strong, reputable anti-virus program.
- Be careful when connecting to a public Wi-Fi network and do not conduct any sensitive transactions, including purchases, when on a public network.
- Create a strong and unique passphrase for each online account and change those passphrases regularly.
- Set up multi-factor authentication on all accounts that allow it.
- Examine the email address in all correspondence and scrutinize website URLs before responding to a message or visiting a site
- Don’t click on anything in unsolicited emails or text messages.
- Be cautious about the information you share in online profiles and social media accounts. Sharing things like pet names, schools, and family members can give scammers the hints they need to guess your passwords or the answers to your account security questions.
- Don't send payments to unknown people or organizations that are seeking monetary support and urge immediate action.
- Is the check from an item you sold on the Internet, such as a car, boat, jewelry, etc, more than the item’s selling price?
- Did you receive the check via overnight delivery?
- Is the check connected to communicating with someone by email?
- Is the check drawn on a business or individual account that is different from the person buying your item or product?
- Have you been informed that you were the winner of a lottery, such as Canadian, Australia, El Gordo, or El Mundo that you did not enter?
- Have you been instructed to "wire", "send" or "ship money", as soon as possible, either within the U.S. or outside the country?
- Have you been asked to pay money to receive a deposit from another country?
- Are you receiving pay of a commission for facilitating money transfers through your account?
- Did you respond to an email requesting you to confirm, update, or provide your account number?
Personal Computer Security
Q: How do I know if my PC is infected?
Q: Is one anti-virus software program better than another?
Q: What do I need to do to protect my PC?
- Install an antivirus program and configure it to update its virus definitions daily.
- Configure your computer and connection to the internet properly. Some computer systems come with a lot of security enabled by default, but have someone who knows what they're doing check the configuration of your computer and other communications equipment —wireless routers, DSL or cable modems, etc.
- Turn on automatic software updates. This is a feature of some software which allows it to patch itself with very little effort from you. Make sure it's turned on for your operating system, security software, and any applications that have the option.
- Be aware of your Internet surroundings. Learn to tell scams from real email, and when not to follow links or open a document. It takes time and practice to develop Internet “street smarts.”
- Perform regular backups. If your system becomes infected with a virus, you may have to reinstall your complete system. Backups ensure you don't lose your data if that becomes necessary.
Tips for enabling cookies via IE
- In Internet Explorer, click on the Tools menu, then click on Internet Options, and then click the Privacy tab.
- Click the Advanced button.
- Under Cookies, check off Override automatic cookie handling, then under First-party Cookies select Accept, and under Third-party Cookies select Accept, click OK, and then click OK.
|Research||$30 hr. / $1 per copy|
|Telephone Transfer||$3.00 per item|
|Zipper Bag (non-locking)||$10/ea|
|Zipper Bag Key Replacement||
|Statement Reconciliation/Research||$30 hr. / $1 per copy|
|NSF Returned Item Fee||$26 per item (applies to overdrafts created by check, in person withdrawal, re-presented item or other electronic means as applicable)
|Overdraft Paid Item Fee||$26 per item (applies to overdrafts created by check, in person withdrawal, re-presented item or other electronic means as applicable)|
|Chargeback Checks||$4.50 (applicable on business accounts or accounts being used for business purposes)|
|Stop Payment||$26 per item|
|Temporary Checks||$1 per book
|Fax-Incoming||$2.50 first 5 pages / $.25 each additional|
|Tax Levy/Garnishment||$50 each|
|Fax-Outgoing||$4 first page / $.25 each additional|
|Cashier's Check||$5 each|
|International Wire||$50 per wire|
|Wire Transfer||Outgoing - $15 per wire|
|ATM / Debit Card Replacement Fee||$10 per card|
|Debit Card Expedited Fee||$60 per card|
|Collection Item||$20 each|
|Returned Mail Per Month||$5/mo When No Address On File|
|Escheat Fee (assessed prior to submitting funds to state)||$50|