Online Banking FAQ
Q: How will First National Banks First Access Online Internet
Banking benefit me?
A: First National Bank is striving to make banking as easy and convenient as possible for you. Online Banking allows you to access your accounts at your convenience via the internet from your home or office, twenty-four hours a day, seven days a week. You may use First Access Online to:
• Transfer funds between accounts
• Obtain balance information on accounts
• Review transactions on accounts
• Obtain interest information
• Make loan payments
• Setup personalized reminders and alerts
• View images of items
• Export transaction history in .csv, .ofc, .ofx, .dat, .tsv and .qif file formats
• Access FNB Bill Pay and pay bills online
Q: Can I demo First Access Online?
A: To enroll for First Access Online and FNB Bill Pay, stop by or contact either of our locations in Milnor or Lisbon and a member of our staff will be happy to help you with your enrollment.
Within 3-5 business days after we receive your completed enrollment form,
we will send out your password and sign-on instructions. You will be required
to change your password the first time you login to First Access Online. You will also be required to complete the enrollment for dual authentication before you can gain access to your accounts.
Q: What do I need to access First Access Online?
A: You will need a connection to the Internet and either Internet Explorer version 7.0 or higher or Mozilla Firefox version 3.0 or higher. You must also have an account with First National Bank and will need to enroll for Online Banking to receive an assigned User ID and Password.
Q: Is First Access Online secure?
A: When you do your banking on First Access Online, you can be assured that you are in a secure environment where your account information is safe. Our Internet Banking System uses industry standard technology including password-controlled entry, Secure Sockets Layer (SSL) protocol and 128-bit encryption. 128-bit encryption is the highest level of encryption currently available. Firewalls and filter routers act as security guards for your data passing back and forth to the computers. First Access Online will automatically lock a User out if an incorrect User ID and Password are entered 3 consecutive times. If a user is locked out because they have exceeded the number of allowable password attempts, they must contact First National Bank to be reset. There is a 10-minute time limit on any screen in First Access Online, regardless of keystrokes. Once ten minutes has elapsed, you will be taken back to a login screen after the next selection is made. First Access Online also uses dual authentication logon.
Q: What can I do to increase the security of the system?
A: Keep the UserID, password, authentication picture and phrase and security question answers you establish confidential. Do not share them with anyone. Avoid choosing a password that can be easy to guess. Always remember to "Exit" the First Access Online system if you will be away from your computer. If you believe that an unauthorized user has obtained your User ID and Password, contact First National Bank immediately.
Q: Can I change my User ID?
A: Yes, you can change your User ID as often as you wish. Just click on "Services" then "Change Info" scroll down and input your User ID and click on Submit. Your User ID must be at least 6 characters long and contain at least one alpha character and at least one numeric character.
Q: Can I change my Password?
A: Yes, you can change your password as often as you wish. Just click on "Services" then "Change Password" input your new password and click on Submit. Your password must be at least 6 characters long and contain at least five alpha characters and at least one numeric character. Your password is case sensitive.
Q: What if I forget my Password or get locked out?
A: Users have three tries to logon before their password is locked out. We do not have access to your Password once you have changed it on your initial login to First Access Online. However, we can reset your Password tries if you remember your password, or we can give you a new password and mail it to you. You can then change it to a password of your preference the next time you login. Give us a call at (701) 427-5212 in Milnor or (701) 683-5000 in Lisbon or come in to either location and we will be happy to help you.
Q: What if I forget my UserID?
A: We can look up your UserID. Give us a call at (701)427-5212 in Milnor
or (701)683-5000 in Lisbon or come in to either location and we will be
happy to help you.
Q: What if I can not sign into First Access Online?
A: Every Wednesday from 3:30-5:30am CST, First Access Online may be down for weekly backups and program updates, otherwise, First Access Online should be available twenty-four hours a day, seven days a week. If you should experience problems signing into the system at any other time, please call us at (701) 427-5212 in Milnor or at (701) 683-5000 in Lisbon.
Q: What if I get an error message?
A: If you get an error message, write down the message; then simply call the bank and we will work to resolve the problem as soon as possible.
Q: What accounts will I see?
A: All open accounts in which you have direct ownership will be activated for your First Access Online Internet Banking account. You have the option of choosing which of these accounts you wish to view. Go to "Accounts" then "Selection" and check the accounts you wish to not view and click on Submit. If you wish to view these accounts at a later time, go back into this same screen and uncheck the accounts and Submit. If you close an account, it will automatically drop off of internet banking.
Q: When are transactions available to view on First Access Online?
A: Transactions from a business day are updated on First Access Online at 6pm CST. After 12:00pm (noon) your accounts will also show pending items that have been presented from other financial institutions to us for payment on that day. Please note that additional items can still post to your account after this time and will not update to your internet banking account until 6pm CST.
Q: What are the transaction cut-off times for First Access Online?
A: We only process transactions and update information on business days. Our business days are Monday through Friday. Federal holidays are not included. Transfers made after 4:00pm CST and bill payments made after 3:00pm CST will be processed on the next business day.
Q: Why can I only view and not transfer from some accounts?
A: Accounts that require two signatures for withdrawal and Uniform Transfer to Minors Act Accounts only have view and deposit options. This means you can view balances and transactions and make transfers to these accounts but you can not transfer from these accounts.
Q: How do I setup a one time or automatic transfer?
A: Login to your First Access Online account, choose "Accounts" and "Transfer". Choose from the drop down boxes the accounts you wish to transfer from and to. Enter the amount of the transfer. Enter the first day you wish for the transfer to occur. Choose the schedule. For one time transfers, choose "Once". For recurring transfers choose from "Weekly / Every 2 Weeks / Monthly / Quarterly / Semi-Annually / Annually". If you want the automatic transfer to expire, fill in the date expired field. This field can be left blank. If you choose to put something in the memo field, please be aware that the content of the memo field will print on your statement.
Q: How do I delete a one time transfer or recurring transfer?
A: Login to your First Access Online account, choose "Accounts" and "Transfers". Scroll down to Recurring Transfers. Click on the date scheduled field of the transfer you wish to delete. This will pull the transfer details up. Choose delete. If the transfer is pending (dated the current business day) you will not be able to delete the transfer. If you do not want a pending transfer to post, you must call First National Bank before 4pm CST.
Q: How do I set up reminders?
A: Login to your First Access Online account. Choose "Services" and "Reminders". Input the date you wish to receive the reminder for the first time. Schedule the reminder for Once / Weekly / Every 2 Weeks / Monthly / Quarterly / Semi-Annually/ Annually. Use this feature to build reminders to remember special events, birthdays, anniversaries, payment dates, etc. On the day specified, the reminder that you create will be sent to you as an email message. All reminders will be sent to your email address. Please verify that the bank has your current email address on file. You can check or make changes to your email address by going to Services > Customer Info. The emails will be sent from PCS IB Operations.
Q: How do I set up an alert?
A: Login to your First Access Online account. Choose "Services" and "Alerts". Choose the account you wish to have the alerts sent on. Choose the criteria for "Send Me An Alert". Use this to monitor end-of-day balances on DDA, Savings and Loan accounts. An alert is sent as an e-mail message when your account reaches a chosen balance. All Alerts will be sent to your email address. Please verify that the bank has your current email address on file. You can check or make changes to your email address by going to Services > Customer Info. The emails will be sent from PCS IB Operations. To delete an alert go into "Services" and "Alerts", click on the alert and choose delete.
Q: How do I see what I have done within First Access Online?
A: Login to your First Access Online account. Choose "Services" and "Session Report". The system will list what you have done in First Access Online. Click on the date of the transaction to see more details.
Q: What is the envelope icon with the "You Have Mail"
message beside it?
A: This means that the bank has sent you a message. To pick up the message either click on the icon or go to "Services" and "Bank Mail". This feature is only used by First National Bank to respond to your inquiries or to notify you of product enhancements.