Online Banking
Frequently
Asked Questions
For answers to some frequently asked questions, see
the list below. If your questions do not appear, you can email the Online
Banking Administrator , info@fnbiweb.com
Sign
up Questions
- How do I Sign up for Online Banking?
Click on the First Time User Button and follow the
instructions to agree with the Electronic Funds Transfers Agreement
Disclosure. Fill in the information on the First Time Log In
screen and press Submit. After verification, you will be required
to create an access ID and new password for future visits.
-
What is my initial Online Banking Password (First
Time User screen)?
Your Online Banking password is the same 4-digit personal
identification number (PIN) you use to access the First National Bank
24-Hour Tele-line ( automated phone system). If you do not know your
PIN please contact the First
National Bank office
nearest you.
- What are the Access ID/password requirements?
After you log in for the first time, you will be
required to create an Access ID and a new Password.
Access ID:
It can be anything you want, provided these conditions
are met:
- may be alphanumeric as long as they are 6 to 17
characters long
- should not contain spaces
The Access ID is case-sensitive (meaning the system
recognizes both upper and lowercase characters)
Password:
It can be anything you want, provided these conditions
are met:
- may be alphanumeric as long as they are 6 to 17
characters long
- should not contain spaces
The Password is case-sensitive (meaning the system
recognizes both upper and lowercase characters)
- What is the Security Question and Answer?
The Security Question and Answer are for you to create. These
will be used for future identification.
- How soon will I have the ability to Access my accounts online?
When the information you provide us on the First Time Log in page is
verified and an Access ID and password is chosen correctly, you will
be able to view your accounts immediately.
General Questions
- If I have problems or questions can I speak to a live person?
Yes, you may contact us by calling your local branch customer service
representative during normal business hours.
- Can I pay bills from any of my accounts?
No, you may only pay bills from your checking accounts because of
transfer/transaction limits on savings accounts. If additional funds are
needed in your checking account, you may transfer funds from a savings or
money market account.
- Will I continue to receive paper statements via standard mail?
Yes.
- Why can’t I view all of my accounts online?
There are a variety of reasons why certain accounts may not be available
to view online. If you feel there is an error please contact a customer
service representative at your local, branch.
- How long will it take a transaction to post to my account?
Online Banking is on-line, real-time, therefore transactions post
immediately. Funds from your deposits may not be available immediately. Funds
availability for cash withdrawals, transfers and check payments depends on
the type of deposits made. For more information, please refer to the Funds
Availability Disclosure you received when you opened your account.
- Can I get my personal account information into financial software packages
such as Quicken or Microsoft Money?
Yes, our Internet banking service supports software formats for Quicken,
Microsoft Money and spreadsheet programs. Simply click on "Export" in
the "Transaction" area. If you need additional information, click
on "Help."
- How far back does customer account data range for exporting?
You can export transactions that appear on your current and previous Online
Banking statements
- Can I find the current pay-off amount for my loan online?
The internet banking system gives you an approximate pay-off amount. You
must contact customer service or your personal banker to get the exact
payoff amount.
Transfer Questions
- What are the limitations on transferring funds between accounts with Online
Banking?
You may only transfer money between accounts that are shown on your
Online Banking screen after you log on. The funds in your account must be
available in order to make a transfer, and there are regulatory requirements
limiting the number of transfer from savings or money markets to other accounts
to four times per month for savings and six for money market accounts.
- Can I cancel a transfer once it has been confirmed?
No, once confirmed transfers cannot be cancelled. We suggest you use the
Internet banking system to move the funds back to the original account.
If you are using the "Scheduled Transfer" feature, you can
modify any future transfers within this area.
- If I failed to get my confirmation number after completing a transfer,
how can I confirm that the transfer went through?
Under the "Transaction" button, click on either "Current Business
Day" or "Current Statement" to confirm that the transfer was
completed.
- I have money in my account, but my transfer was
denied because of insufficient funds. Why?
Your account balance may reflect funds that are not yet available from either
a recent deposit or a hold on your account.) You can contact a customer service
representative to learn when those funds will be available.
- How long will it take a transaction to post to my account?
Online Banking is on-line, real-time, therefore transactions
post immediately. Funds from your deposits may not be available immediately. Funds
availability for cash withdrawals, transfers and check payments depends
on the type of deposits made. For more information, please refer to the
Funds Availability Disclosure you received when you opened your account.
Security Questions
- What if I forget either my Access ID or password?
You must contact the Online Administrator at 708-474-1300 to
have your access ID and/or password "reset".
- What if I have forgotten or don't have a 24-hour Bankline security code?
For your security we require a 24 hour Bankline security code for
your first-time log-in to Online Banking. You can get a security code from
any customer service representative at any branch location.
- Will my 24 hour Bankline security code change the first time I log in to
Online Banking?
Your 24-hour Bankline security code will not change. You will continue
to use the four-digit numeric security code to access the telephone banking
system. However, when accessing Online Banking, our Internet banking service
you will use the 6-17 character password you entered.
- What are the Access ID/password requirements?
Access Ids and passwords are case-sensitive, (meaning the system
recognizes both upper and lowercase characters) and may be alphanumeric as
long as they are 6 to 17 characters long. Access Ids and passwords can contain
no spaces.
- How do I change my password?
In Online Banking, Internet banking system, click on "Password" and
follow the directions.
- Can I send account information via email?
E-mail is not secure, and for your protection, we recommend that
you not send specific account information and/or inquiries via e-mail.
- If I have problems or questions can I speak to a live person?
Yes, you may contact us by calling your local branch customer service
representative during normal business hours.
- I received an error message that my session had times out. What does this
mean?
After 30 minutes of inactivity the system will automatically and
securely log you off. Simply log in again.
- How can I be sure my account information will be secure when banking online?
The security of your banking information is of great
importance to First National Bank. Your information resides behind a "firewall" that
protects it against unauthorized entry. In addition, First National Bank
transactions are encrypted so they cannot be read via the internet, and you
will have a personal password that allows only you access to your accounts.
It is critical to your security that you protect this information from others.
We suggest you periodically change your password.
- How do I know my money is safe with First National Bank?
The Federal Deposit Insurance Corporation (FDIC) insures your First
National Bank deposit accounts. To find out how FDIC deposit insurance works,
check out their website.
-
If I can’t get to a computer,
are there other methods available for me to check my account information?
We offer telephone banking with our 24-hour Teleline. This service
is available 24-hours a day and allows you to access your accounts
anytime, anywhere via telephone. Call 1-800-719-2822 to access
Teleline
Technical/System Questions
- Should I use a particular Internet browser for banking online with
First National Bank? (i.e. Netscape Navigator or Microsoft Internet Explorer.)
Our site is best viewed using Internet Explorer 4.0 and above or Netscape
4.0 and above. Lower versions may limit your capacity for viewing certain
elements of the site. This site requires a JavaScript enabled browser. Currently
our Internet banking service requires 40-bit encryption, but we are planning
to raise this requirement to 128-bit encryption in a few months.
- I'm using a Mac to access the Internet. Will I have any problems accessing
my account information?
Our Internet banking service will work with either PCs or Macs. However,
if you are running AOL for Mac you will need to have version 5.0 or better
in order to ensure optimum performance.
- What should my computer settings be to best view my account information
online?
Our site is designed in a format of 800 x 600 pixels. Smaller settings (such
as 640 x 480) can be used, but you may have to scroll to see all your account
information. Larger settings (such as 1024 x 768) will work fine as well.
- Can I get my personal account information into financial software packages
such as Quicken or Microsoft Money?
Yes, our Internet banking service supports software formats for Quicken,
Microsoft Money and spreadsheet programs. Simply click on "Export" in
the "Transaction" area. If you need additional information, click
on "Help."
- How far back does customer account data range for exporting?
You can export transactions that appear on your current and previous Online
Banking statements
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