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 , This email address is being protected from spambots. You need JavaScript enabled to view it.

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 newPassword.

    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)

    TIPS FOR CREATING A STRONG PASSWORD

    DO NOT USE THE SAME PASSWORD FOR MULTIPLE SITES.

    AVOID USING A COMPLETE WORD OR NAME.

    USE AT LEAST 7 CHARACTERS. THE MORE THE BETTER.

    COMBINE CAPITAL AND LOWERCASE LETTERS, NUMBER, AND SYMBOLS (!@#$%^&, ETC.)

    DO NOT USE PERSONAL INFORMATION THAT SOMEONE COULD EASILY FIGURE OUT.

    DO NOT USE YOU ONLINE BANKING USER ID IN ANY FORM (REVERSED, CAPITALIZED,

    DOUBLED, ETC.)

    DO NOT USE YOUR SOCIAL SECURITY NUMBER (SSN), IN FULL OR IN PART, FOR A

    PASSWORD OR PIN.

    User IDs and passwords must be kept active to continue use of First National Bank Online. Logging into the service will keep your account active. User IDs and passwords will be deleted after 90 days of inactivity. You will need to call the bank to be reinstated. For your protection, sign off after every Online Banking session and close your browser to ensure confidentiality.

    We recommend that you change your password frequently, at least every 30 days. You can change your passwords online at anytime.

    After three (3) failed attempts to enter your password, you will be locked out of First National Bank Online and will need to call us to be unlocked. Never send account numbers, passwords or personal identifying information to us through email. Emailing is not secure and can be intercepted by hackers.

    For joint account holders, each person should maintain a separate user ID and password. Each account holder on joint accounts will be responsible for all transactions that are made on that account by all other joint holders of the account.

    Protect your user ID, password and authentication image. If you give this information to someone, you have failed to protect its secrecy. You do so at your own risk and liability. Anyone with your user ID, password and authentication image will have access to all of your accounts. If you believe that your information has been compromised, call the bank immediately AND change your password online.

    We cannot accept notification of lost or stolen user IDs or passwords via e-mail. You agree under no circumstances to disclose your user ID or password to anyone whom you have not authorized to access your accounts, including anyone claiming to represent First National Bank. A First National Bank employee will never ask for your password or send you an e-mail asking for your user ID and/or password.

  • 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.

CLICK HERE FOR E-STATEMENTS

1. Complete the Form above and drop if off to any of our

branch locations or send it to:

Deposit Services

3256 Ridge Rd.

Lansing IL, 60438

2. Once we receive the application, we will send you an

email to your email account listed on the application,

for verification.

3. You must respond to this email to confirm with us

your email address.

4. Your statement cycle will then be changed to the first

of the month, and you will receive notification that

your current statement is ready to be picked up from

your secure online access.

CLICK HERE FOR E-STATEMENTS

  • 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?
    In some cases our Internet banking service supports software formats for Quicken, Microsoft Money and spreadsheet programs. Simply click on "Export" in the "Transaction" area. However we do not support the new quicken formats.
  • 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 six 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.

    • Does First National Bank have a privacy statement?

Yes, click here to view the privacy policy of First National Bank.

    • 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.)

    This list refers to production versions of publicly released browsers as of July 2010. Beta versions of the individual browsers listed below are not supported. This list may be updated as new versions of individual browsers become available and are qualified with the Retail Internet Banking software. The versions listed below are the minimum required, but it is recommended that you update to the latest versions.

    There may be slight cosmetic differences between the look of Retail Internet Banking across the various browser platforms that are supported. This is a function of the different methods and standards that each browser supports and / or how the individual browsers have been coded. It should be noted that the core functionality of Retail Internet Banking is consistent across all supported browsers, except for the ability to rotate a check images, which is only supported in Microsoft Internet Explorer (IE).

    • Microsoft Internet Explorer (IE) for Windows version 7.0 or higher, including IE 8.0 and higher.
    • Mozilla Firefox version 2.0 or higher, version 3.0 or higher.
    • Opera version 9.0 or higher
    • Mozilla Camino version 1.0.3 or higher
    • Apple Safari version 1.2.1 or higher (Apple OSX only. iPhone not supported)
    • Google Chrome, version 1.0 or higher

    Special Alert: If you are having difficulty viewing your account statement within our online banking system, you may need the newest version of adobe reader X (10.0.1)

    Get it from: http://get.adobe.com/reader

    Internet Explorer 9 is currently not compatible. If you have internet explorer 9, you will need to uninstall and replace it with internet explorer 8.

    Browser Settings

    The following list contains the minimum settings for a browser to access Retail Internet Banking.

    • First party cookies must be allowed.
    • First party images must be allowed.
    • Pop-up blockers inherent to each supported browser are allowed. Some links within Retail Internet Banking spawn a new browser window and could be blocked by a 3rd party pop-up blocker. Thus, 3rd party pop-up blockers are not supported.
    • SSL connections must be allowed (HTTPS://) for a minimum of 128bit strength.
    • JavaScript enabled and the running of active scripts allowed.
    • Iframes allowed.
    • Minimum browser resolution of 800x600

  • I'm using a Mac to access the Internet. Will I have any problems accessing my account information?

    The end-user must meet the Operating System and Hardware requirements stated by the developers of each supported browser. Browsers are tested and qualified with Retail Internet Banking, not the Operating Systems or hardware platforms they run on. That said, only Microsoft and Apple operating systems are supported at this time. While we rely on the developers of the browsers to ensure uniform look, feel, and functionality across all supported hardware and software platforms for each specific browser, there are differences between each platform.

    **Linux Specific

    Adobe Flash Player 10.0.22.87 is the current version as of this writing. To avoid incompatibilities with Mozilla Firefox based browsers on Linux and previous versions of Flash, ensure that you have the most current version of Flash is installed.

  • 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