Privacy and Security

• What is privacy?

  The term 'privacy' is used in connection with how organizations gather, manage, share, and safeguard customer information.

• What do I need to know about the privacy standards at First National Bank?

  Our Privacy Policy describes the steps we take to protect your privacy. By reviewing our Privacy Policy you will understand why we collect the information, that we do collect information, and how we use it to benefit you.

• What kind of information does First National Bank collect?

  The information we collect depends on the type of accounts you have with us. We will require nonpublic information (such as name, address, Social Security number, assets, IP address and income), and may also ask for information about your credit history, assets, debts and employment information. We also maintain transaction information (such as your creditworthiness or payment history) generated by the use of your accounts.

• Why is my personal or nonpublic information shared internally?

  Information about you helps us provide quality products and services that will benefit you. It also allows us to know our customers better which could help in the prevention of fraudulent activity on your accounts.

• Does First National Bank sell customer lists or other customer information?

  We do not sell customers' personal information to other companies for marketing purposes. Sometimes we do use select companies to bring you financial products on our behalf. When we do this, we make available only the information they need to offer and administer these products. These companies are not permitted to use this information or to contact our customers for any other reason than providing the specific products or services intended.

• How does First National Bank protect the security of customer information?

  We continually enhance our security tools and processes to protect customer information. In addition, we take steps to protect your identity and your accounts by asking you for information that only you should know. In addition, we maintain physical, electronic and procedural safeguards to protect your information.

• What does First National Bank do to help make my Internet access secure?

  Protecting your personal information online is an essential part of our service to you. First National Bank uses encryption technology such as Secure Socket Layer (SSL) to transmit your information online. Our commitment and understanding is demonstrated in our online Privacy Policy and Security Statement.

• Why has the log on process changed?

  We are providing more protection for you during the log in process.  We have added an additional layer of security (besides a password) that is stored in a cookie in your browser. Note: Your internet browser must allow first-party cookies. Our web site will look for this cookie when you log in as additional assurance that your password has not been stolen and is being used from a different computer.

• Why am I being asked to answer security questions when I log in?

  We require you to provide answers to security questions to help identify you in certain situations. There are a few reasons why you are asked to answer security questions when logging into your account.

  1. You are a new user and need to enroll your account online for the first time.
  2. You are manually deleting your cookies.
  3. You have your PC security software on a very high setting that deletes 'first party' cookies. Most PC security software deletes only 'third party' cookies, but the setting can be changed to include 'first party'.
  4. You are using a different browser or PC each time you go to the web site.
     
     
• How do I avoid answering the security questions every time I log in?

  Depending on the situation, you can:

  1. When manually deleting cookies, be careful not to delete our cookie.
  2. Change the setting on your PC security software to delete only third party cookies, or add our cookie to the 'safe cookie' list.
  3. Log on to our web site from browsers that you have already set up with our cookie.
     
     
• What is a personal message?

  Upon enrolling your account you will create a personal message. Look for this message each time you log in! A fraudulent site will not have access to this information, so it will be missing. Beware of broken links where your personal message should be. If you get a broken link, type our web address directly into your browser address line and try again.

• How secure is 24-Hour Banker Online?

  • With 24-Hour Banker Online, customer information and account data is protected by several state-of-the-art safety features: firewalls, data encryption and Password verification.
  • Your User ID and Password are known only by you, so only you can access your accounts. Your software provider and First National Bank do NOT know your Password. 24-Hour Banker Online will not send any account information to your computer unless your unique User ID and Password are entered correctly.
  • Your secure session will automatically terminate if you do not conduct transactions for 10 minutes. If this happens, you will have to log on again to access your accounts.

  
  
  
• What can I do to protect my accounts and personal information while I am banking online?

  • Memorize your User ID and Password. It is essential that you do not reveal your User ID and Password to anyone! We also recommend that you do not use easily verifiable information such as birth dates, social security numbers and addresses when selecting your Password and User ID.
  • Frequently change your Password. You can easily change your Password online in the Update Information section.
  • Completely sign off after each online session. For security purposes, 24-Hour Banker Online will automatically sign you off after 10 minutes of inactivity.

  
  
  
• What if I think someone may know my User ID or Password?

  If you believe that someone else knows your User ID or Password, Contact Us. You can change your Password online in the Update Information section. We suggest that you change your Password at least once a month for added security.

• What is encryption?

  Encryption is the encoding of a file in order to protect its contents. This entails a word or a group of words essentially written in a secret code language - a language that is useless to anyone but you and First National Bank, to protect that message from unwanted viewing or tampering. The term "encryption" is a computer-age extension of the term "cryptic," which means something being hidden or mysterious.

• How do I know if my banking session is encrypted?

  You can determine when encryption is being used on the site by looking at the following icons on your browser. You can also verify that you are in a secured site when you see https:// in the address line. Microsoft Internet Explorer displays these icons in the lower right corner of your browser. Netscape Navigator's icons are in the lower left corner, and Netscape Communicator displays the icon on the top toolbar.

  Browser	Encrypted	Not Encrypted
  Microsoft Internet Explorer		No icon
  Netscape Navigator or Communicator

  With Netscape Communicator 4.6 or later, you can double click on the security icon to obtain more security information about the site you are viewing.

• How do Web sites collect information?

  Information can be collected in several ways, but typically "personally identifiable information" (information that can be traced to a single user) isn't gathered on a widespread basis. Most information collected online is "usage data," or data limited to where an individual visits within a site and/or how much time is spent at a particular site. Online services, for example, may track sign-on and sign-off times for billing purposes. Individual Web sites (whether companies or individuals) may gather certain kinds of information about you when you visit their site. Many sites limit information gathering to broad usage statistics. Some Web site operators may collect information about you through your email address, the means by which you connect to their site, by the use of "cookies" or voluntary questions directed at users.

• What is a browser cookie?

  A browser cookie is a small file placed on your pc by a web site. These files are commonly used to identify you when you return to a web site.

  In order to log in to our web site you will need to have cookies turned on in your browser, or accept the cookie if your browser prompts you. The security cookie will work with any browser that can accept standard cookies, including Internet Explorer, Mozilla, Firefox, Safari and Netscape.

• Does the web site use cookies to gather information about me or my PC?

  No. The cookie is used to help identify you at login, but does not gather information about your PC or look at any information on your PC.

  Only our web site can read our cookie. It is used only at login, and is not used to track your activities on the Internet.

  Our cookie contains only an encrypted numeric identifier with some anti-tamper content, and does not track any of the information on the web pages or any transactions you do. The cookie is unaware of the transaction, it's type, amount and does not store any personal information about you.

• Can I remove cookies from my PC?

  Yes. Most PC security software will allow you to remove cookies. Note that after you delete our cookie, if you log in from the same browser again, you will be prompted to answer your security questions.

• What can I do if my credit/debit card number or other personal information is being used fraudulently?

  If your credit/debit card or personal information is being used fraudulently, immediately contact (by phone and in writing) your card issuers and all creditors with whom your credit/debit card number or name has been used or may be used. Also contact the fraud units of the three major credit reporting companies: Experian (www.experian.com; 888-397-3742), Equifax (www.equifax.com; 800-525-6285), and TransUnion (www.transunion.com; 800-888-4213). Request that your credit report be flagged for potential or actual fraud, and inquire about attaching a "victim's statement" to your report.

• What is phishing?

  Phishing is a fraudulent email scam that uses spam to attempt to get consumers to disclose or verify their account numbers, personal identification numbers (PIN), Social Security numbers, passwords, or other sensitive information. This email typically resembles an email from a familiar company and may have a similar Internet address to that company in the text; however, it will usually have a couple of letters transposed.

• What can I do to protect myself against phishing?

  In an effort to protect yourself, use caution when applying for items via email. Be sure to verify the Internet address and check to see if the site is secure before you enter any personal data. If you receive an email from First National Bank that looks suspicious Contact Us.

If you did not find the answer you were looking for or have a comment, Contact Us.