Q. What is Online Banking?
A. Online Banking gives you access to your bank account information and allows you to view balances, transfer funds between accounts, request stop payments, reorder checks and send secure messages to First National Bank at any time. Types of accounts include checking, savings, loans, credit lines, certificates of deposit, and IRAs.
Q. What does it cost?
A. The Online Banking service is free.
Q. How do I sign up for Online Banking?
A. To enroll for personal online banking click here. To enroll for Cash Management call (912) 384-1100 and ask to speak to one of our representatives.
Q. When can I start using Online Banking?
A. You can begin using Online Banking as soon as you read First National Bank's Online Banking Agreement, complete an Online Banking Enrollment Form, and receive the Enrollment Notification e-mail.
Q. What happens if I open a new account(s) after receiving my Login ID and Password?
A. When you open an account, it is automatically linked to your Online Banking account as long as you are the primary owner of the account. The Online Banking system will recognize this new account and add it to your User ID the next business day so you can see it on the Internet. If you have any questions or problems please feel free to call (912) 384-1100 and speak with one of our customer service representatives.
Q. Can I use Online Banking from abroad?
A. You can use Online Banking from anywhere in the world as long as you have an internet connection.
Q. What do I do if I cannot access my accounts?
A. Contact First National Bank at (912) 384-1100 and ask to speak with one of our customer service representatives. So that we may be able to support you better, please be at your computer with the Online Banking webpage open and have available a description of any error messages you may have received.
Q. How can I get more information about Online Banking?
A. For more information about Online Banking, call (912) 384-1100 and ask to speak with one of our customer service representative.
Q. What accounts can I access?
A. You can access your personal accounts (checking, savings, money market, credit line and loan) and your business accounts (checking, savings, money market, credit line and loan).
Q. If I have both personal and business accounts, can I view them together with Online Banking?
A. Sole proprietors can link their personal and business accounts, if the tax identification number is the same on both accounts. All other business types must keep their personal Online Banking relationship separate from their business Online Banking relationship.
Q. How current is my balance?
A. Your deposit account balances will reflect the previous business day's transactions.
Q. What's the difference between the Current Balance and the Available Balance?
A. The Current Balance is the total amount in your account at the end of the last business day. The Available Balance is the amount of your current balance that is accessible to you right now. The available balance includes your current balance less any branch or ATM withdrawals and other deductions, funds transferred, or any funds placed on hold during the current business day. If you have Overdraft Privilege, the amount of your overdraft privilege is included in Available Balance.
Q. What details will I find using the account history feature?
A. The account history feature allows you to review transactions posted to your personal checking, savings or money market accounts. You will see the date, amount and description of the transaction. You can review all transactions posted to your account from your last statement or since your last statement.
Q. Can I transfer money from one account to another?
A. Yes. With Online Banking, you can transfer money between eligible First National deposit accounts, such as checking, savings, and money market accounts. You can also transfer money between a credit line to your checking account and make your loan payments on-line.
*Please be aware that for accounts which are limited to a certain number of transactions, such as savings and money market accounts, Online Banking withdrawals do count as third-party transactions.
Q. Can I transfer money between my personal and business accounts at First National?
A. Only sole proprietors can transfer money between their personal and business Online Banking relationships.
Q. Can I tell when a transfer has posted to my account?
A. Yes. Your available balance reflects when a transfer has been made because your account balance will decrease or increase.
Q. Can I stop or modify my request to transfer funds?
A. Yes. At anytime until you get to the "Transfer Funds Confirmation" screen you can modify or cancel your funds transfer request. However, after you've completed a funds transfer transaction and have received a confirmation, you cannot stop the transfer from occurring. At that point, if you change your mind about the amount you wanted to transfer, simply make a new transfer to move the funds between the appropriate accounts.
Q. Can I schedule automated transfers?
A. Yes, scheduling automated transfers is available through Online Banking.
Q. Is Online Banking secure?
A. Yes. First National Bank has taken strong measures to ensure that your information remains confidential. The first step is the use of a secure browser. Most web browsers and computers have the ability to communicate securely by scrambling the information as it passes across the Internet. The method of communication is called SSL, or Secure Socket Layer. We require the use of a secure web browser before a connection can be made to the Online Banking system. After you reach us using a secure web browser, we take measures to make sure your information is kept secure and confidential.
Your information passes through a "firewall", which is an appliance specifically designed to keep out unauthorized users. The information is also scrambled again to ensure it can only be read by authorized First National Bank representatives. For security purposes, the Online Banking system requires a Login ID, Password and PassMark.
Q. What is PassMark?
A. PassMark Security provides additional security for the Online Banking application. It is now a standard part of our Online Banking and works as part of our commitment to protect you against identity theft and fraud. PassMark prevents unauthorized access to your accounts and reinforces the fact that you are at a valid website.
Q. What does PassMark consist of?
A. PassMark consists of the following: an image, a caption and four challenge questions. This information is known only to you and it protects you, whether you are logging in to your accounts from your own computer, or from somewhere else.
Q. How does PassMark work?
A. Once you enter your Login ID on your computer and click the Validate button, your image will be displayed along with the caption. This verifies that you are at your financial institution's website and you are safe to enter your Password and access your information. If you are logging in from a different computer, the challenge questions will be asked to verify your identity. Once you provide the correct answers, your image and caption will display and you may enter your password.
Q. How do I get a Login ID and Password?
A. You will be able to choose your own Login ID and Password when you complete the Online Enrollment Form.
Q. Who can access my account information over the Internet?
A. Your Password should only be known to you. Unless you have compromised your Password by revealing it to someone else, you are the only one who can access your account information using Online Banking.
Q. When I attempt to sign on to Online Banking, I get an error message informing me that my Login ID is incorrect. What should I do?
A. You may have inadvertently entered the Login ID incorrectly. Check your Login ID and try it again. Make sure that your Login ID is entered in lowercase letters. If you are certain you are entering the correct Login ID, call (912) 384-1100 and ask to speak with one of our customer service representatives.
Q. When I attempt to sign on to Online Banking, I get an error message informing me that my Password is incorrect. What should I do?
A. If you can't remember your Password please follow these steps:
Email Retreival Steps:
1. Go to the Online Banking login page.
2. Type in your Login ID.
3. Click Validate.
4. Click the "Forgot your Password?" link.
5. On the Password Assistance page answer your challenge question.
6. Click Get New Password.
7. Click Proceed.
8. You should receive a new temporary password via email.
**Note: The Email Retreival Steps will only work, if you haven't typed in an invalid password more than 5 times. If you have typed in an invalid password more than 5 times please call (912) 384-1100 and speak with a customer service representative about resetting your Password. Once your Password has been reset you will be prompted to enter another Password that will only be known to you.
Q. Why is it important to select "Exit" or "Home" when I'm finished using Online Banking, or when I walk away from my computer?
A. For your security, Online Banking will automatically end your Online Banking session if there is no activity on your PC for 10 minutes. However, to reduce the risk of exposure, it is always better for you to end your Online Banking session by clicking on Exit.
Q. Which browsers can I use to access Online Banking?
A. Netscape 9 or higher, Internet Explorer 7.0 or higher, or America Online 9.1 or higher will allow you to access Online Banking.
***To demo Personal Online Banking, click the Personal Login link above and then click the take a test drive button on the login page.
***To demo Cash Management, click the Business Login link above and then click the take a test drive button on the login page.