Online Banking & E-Statement FAQs
Online Banking FAQ
How secure is First National Bank’s Online Banking?
Our Online Banking uses distributed security, so instead of relying on one security measure, we rely on several. Among the security measures we use are authentication, encryption, and automatic time-outs. This ensures protection throughout your online banking session.
Is there a charge to sign up for Online Banking?
No, it is free to enroll in First National Bank’s Online Banking service. Depending on your service provider, internet service fees may also apply.
What accounts are eligible for Online Banking?
You can add any checking, savings, certificate of deposit, or loan account on which you are an owner or joint owner of. You cannot add an account to your Online Banking profile in which you are not an owner of.
Can I cancel First National Bank’s Online Banking service?
Yes, you can cancel at any time. Your request must be made in writing to First National Bank stating that you wish your Online Banking profile be deleted.
Q: What is electronic-only statement delivery?
A: Electronic-only statement delivery is a feature that offers account statements and disclosures in an electronic format only rather than in paper format. If you opt-in to this feature, then you will be notified by email when your account statements will be ready.
Q: How will I be notified when my statement is ready?
A: You will be notified by email when your statement is ready.
Q: How is the information on my electronic-only statement different from that of my paper statement?
A: There is no difference between the information on the electronic and paper versions of your statement.
Q: After I opt-in for electronic-only statement delivery, can I change my mind and cancel the service at any time?
A: Yes. You can always opt-out of electronic-only statement delivery. The opt-out buttons are present on the Search Statement page.
Q: Can I opt-in for some accounts but not all?
A: Yes. If you have more than one Internet Banking account (e.g., Checking and Savings), you can opt-in for electronic-only statement delivery for any account of your choice.
For example, if you have checking and savings accounts, then you can opt-in to have electronic-only statement delivery for your checking account only. You will receive email notification that your checking statement is ready to be viewed electronically. You will continue receiving paper statements for your savings accounts in the future.
Q: How do I opt-out of electronic-only statement delivery?
A: If you have opted-in for electronic-only statement delivery, you will see Opt-out buttons on the Search Statement page. Click either the Opt Out for this Account or Opt Out for All Accounts buttons.
Q: How long do you store all statements?
A: Two years.
Q: Can I save the statement on my PC?
A: Yes. You can download your statement to your PC. The file will be labeled stmtMMYY.txt, where MM is the month and YY is the year of your statement. You can open the statement using Notepad or any Word Processor.
Q: Can I print my statements?
A: Yes. On the Account Statement page, there is a Print Statement button that you can use to print your statement.
Q: On the Electronic Statement Delivery Request page, what are the buttons "Submit for this Account" and "Submit for All Accounts" for?
A: You can choose to opt-in for electronic-only statement delivery for a particular account or for all of your accounts. For example, if you accessed the Statements page by clicking the statements link in the Make A Selection section for your checking account, then the Submit for this Account button refers to opting-in for electronic-only statement delivery for that particular account. If you have both a checking and a savings account, then clicking the Submit for All Accounts button will opt-in for electronic-only statement delivery for both accounts.
Q: Can I still opt-in for electronic-only statement delivery, if I don't enter an email address?
A: No. You must have a valid email address to opt-in for electronic-only statement delivery. The Email Address field is required and will generate an error message if the page is submitted with the field blank.
Mobile Banking Service FAQs
Q: What is the First National Bank mobile banking service?
A: Mobile banking gives you access to your accounts from your mobile web browser or a downloadable mobile banking application, depending on your preference and your phone capabilities. Both options allow you to view account balances, search recent account activity, transfer funds, and find nearest ATM or branch locations. If you are signed up for Bill Pay, you can even pay bills from your smartphone!
Q: What is the First National Bank text banking service?
A: Text banking gives you access to your accounts via text (SMS) messages on your phone. It's a fast, easy way to look up account balances or recent account history by sending a text command to First National Bank's shortcode, 226563.
Q: Can I use both text banking and mobile banking on my phone?
A: Yes, you can use both options from the same phone. To do so you will need to activate each option on your phone prior to use.
Q: How much does this service cost?
A: There is currently no charge associated with the service. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.
Q: Do I need a text message or data plan?
A: Yes, a text messaging and/or data plan is typically needed, as data usage can become expensive without them. Please check with your wireless carrier for more information.
Q: Will the mobile banking service work on all mobile devices?
A: Mobile banking is supported on most phones with a mobile web browser that supports cookies. In addition, the mobile application is available on many smartphones including: iPhone, Android and BlackBerry.
Q: I'm not enrolled in Online Banking. Can I still use Mobile FNB?
A: You must first enable your bank account(s) for online banking before using mobile.
Q: What accounts can I access with Mobile FNB service?
A: Mobile FNB allows you to access any of your accounts available for access within Online Banking.
Q: How secure is Mobile FNB?
A: First National Bank's mobile banking service utilizes best practices from online banking, such as HTTPS, 256-bit SSL encryption, password access, and application time-out when your phone is not in use. Only the phones that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your phone. And in the event your phone is lost or stolen, the service can be immediately disabled by either going online to the Mobile Management enrollment website or calling us at 512-321-2561 during regular business hours.
Q: Will I receive unsolicited text messages?
A: No. You will only receive text messages when you specifically request them with one of the Text Banking commands or if you subscribe to Mobile Alerts
Mobile Deposit FAQs
Q: How do I enroll in Mobile Deposit?
A: In order to access First National Bank’s Mobile Deposit product, you must first be an Online Banking customer and have downloaded FNB’s mobile app, available for both iPhone and Android users and now also available for iPad users.
Q: How do I endorse a check for Mobile Deposit?
A: In addition to your signature, all checks deposited using Mobile Deposit should also contain the following: For FNB Mobile Deposit Only. Failure to properly endorse your deposited check may result in your deposit being rejected.
Q: How do I deposit a check using Mobile Deposit?
A: Simply follow the directions on your mobile device. You will be directed to place the check on a flat surface with a dark background and good lighting. You will also be asked to read and agree to the notice regarding mobile deposit fees and daily cut-off times. Then simply tap on the appropriate box to photograph the front and back of the check. Complete the deposit amount, account to deposit the check into, and an email address if you would like a receipt emailed to you before you click to continue.
Note: The email receipt is automatically generated from firstname.lastname@example.org.
Q: Are there fees associated with using the Mobile Deposit product?
A: No, FNB does not charge a fee to deposit a check using Mobile Deposit. However, depending on your mobile phone carrier, data rates may apply.
Q: Are there limits to the number of items or amount that I can deposit through Mobile Deposit?
A: Yes. Customers are limited to 3 deposits aggregating to $3,500.00 or less per business day. Additional limits are as follows:
- 7-Day Limit: (last 7 consecutive calendar days) 5 deposits aggregating to $6,000.00 or less.
- 30-Day Limit: (last 30 consecutive calendar days) 10 deposits aggregating to $9,000.00 or less.
Q: What is the daily cut-off time? Are deposits available for immediate credit?
A: The daily cut-off time is 4:00 pm CST. Deposits made before 4:00 pm CST will typically be available on the next business day.
Note: Items deposited will not be available for viewing on Online Banking until daily processing is complete. Processing days for Mobile Deposit are Monday through Friday, excluding Federal holidays.
Q: How can I keep my mobile device secure?
A: Here are 10 tips to protect your mobile device
- Use the passcode lock on your smartphone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen.
- Log out completely when you finish a mobile banking session.
- Protect your phone from viruses and malicious software, or malware, just like you do for your computer by installing mobile security software.
- Use caution when downloading apps. Apps can contain malicious software, worms, and viruses. Beware of apps that ask for unnecessary “permissions.”
- Download the updates for your phone and mobile apps.
- Avoid storing sensitive information like passwords or a social security number on your mobile device.
- Tell your financial institution immediately if you change your phone number or lose your mobile device.
- Be aware of shoulder surfers. The most basic form of information theft is observation. Be aware of your surroundings especially when you’re punching in sensitive information.
- Wipe your mobile device before you donate, sell or trade it using specialized software or using the manufacturer’s recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen.
- Report any suspected fraud to your bank immediately.
- Do not attempt to deposit a check received by text or email. These checks are fraudulent and will not be accepted for deposit. Learn how to spot, avoid, and report fake check scams with this information from the FTC.
- The endorsement on the back of the check needs to match the payee on the front of the check, in addition to “FNB Mobile Deposit”.
- Payee on check MUST be on the account chosen for the mobile deposit. If check is payable to more than one party, both parties MUST be owners on the account. If both payees are not listed on the account, then both payees need to deposit the item at one of our locations so they can be properly identified.
- You must have a physical check for Mobile Deposit. Images from a computer screen or email attachments are not legitimate checks.