What happens if I lose or forget my ID or PIN?
If you lose or forget your ID, you may call Customer Service and with proper identification your ID will be given to you. If you lose or forget you PIN, you must follow the same procedure and a new PIN will be generated and mailed to you.

Why does my FNBOnline PIN expire? How often does is expire?
FNBOnline PIN’s expire every 90 days for security reasons. You will automatically be prompted to change your password starting 14 days before the expiration date.

FNBOnline is telling me my account is locked. What does this mean?
When there are three unsuccessful attempts to logon to FNBOnline, your ID will become locked for security reasons. Just call your local FNB location or give us a call at 866-310-6480 (toll free) during normal support hours. We will verify your identity and reset your PIN within 24 hours.

When I sign on, I see "You have 1 new message" What is this?
A feature on FNBOnline is the ability to send and receive secure messages. When you see "You have 1 new message" displayed, simply click on the red dot and your incoming secure message will be displayed. You may reply to, print, or simply read the message and discard it.

I can’t  remember my FNBOnline ID number. Is there any way to change it?  
Once you login, click on "Options" at the top of the page. Then, simply type in your new "Personal ID" on the appropriate line and click Submit. The next time you login, use this new ID. Remember that each ID must be unique, so if your choice is already taken you will have to select another.

What happens if I don't log off the system?
If you are inactive for a period of 10 minutes, you will be transferred to the home page of First National Bank. If you wish to continue, you will have to logon to FNBOnline again. If you close your browser window while still connected to FNBOnline, your session will automatically terminate when you close your browser.

Does FNBOnline use "Cookies"?
FNBOnline uses "cookies" to keep track of a user's session. When a user logs into FNBOnline, the website sends three "cookies" to his computer. The first two act as a laundry claim-check; they are merely sequentially assigned numbers. The third is a large random string that allows us to verify that someone isn't trying to impersonate a legitimate user by guessing the value of the first two "cookies." The "cookies" are only valid for one session; each time users log in, they receive a new set of cookies. We use  “cookies” to ensure the user has entered a valid FNBOnline ID and PIN, and to ensure  the user's session hasn't timed-out.

The use of "cookies" also allows us to speed up FNBOnline by temporarily storing some user information in our web server's memory. Accessing the user's information in memory is much faster than having to retrieve it from the host or from a database every time it is needed. When the user logs off or the session times out, the information held in memory is discarded.

It is possible to create a website like FNBOnline without using cookies. However, the security aspects of such a site would be much more obvious to the user and, therefore, less secure. We feel  requiring cookies in FNBOnline is a small price to pay for the added security and improved user experience!

 

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BILL PAYMENT (NET PAY) FAQ's

Does First National Bank offer bill pay?
Yes, we do. Contact your local FNB location for details

Due Date
The due date is the day your payment must be received by the payee, not including your grace period. The due date is usually located in the bill you receive in the mail from the payee.

Can I Set Up Recurring Payments?
Yes, You can set up recurring payments in the following frequencies: Weekly, Semi-Monthly, Monthly

How far in advance should I set up a payment to insure it is paid on time?
Check payments should be scheduled 10 business days in advance of payment due date. Electronic payments should be made 4 business days prior to the payment’s due date.
*NOTE - You may want to set up a payment to yourself so you can see how the system works.

How late in the day can I schedule a transfer of funds and still be on today’s business? 
Transfers scheduled before 6:00pm EST will take place on that business day, unless a future date is selected.
Normal business days are Monday through Friday.

Can I pay additional principal on my loan using FNBOnline?
Only regular loan payments can be paid on FNBOnline at this time.

What if I don't have enough money in my account?
FNBOnline will treat Net Pay items just like any other check that you write. Should the item be returned, NSF paper items will be returned as NSF. ACH items will continue to post to the account until funds are available.

I’m looking for a specific check to clear my account and don’t want to scan transactions daily. Is there an automatic way for FNBOnline to tell me the check is in?
Click on the "Options" tab. Next, select  the"Alerts" tab. In the "Item Alert" section, click on "Add Item Alert". Then select the checking account and fill in the check number. When the check clears, you will receive an alert on the opening page of FNBOnline. Remember  this will only work if the check has not yet cleared your account. NOTE: You need to login to FNBOnline to receive the alert.

How late in the day can I enter, edit or delete a bill payment?
You may add, edit, or delete payments scheduled Sunday through Friday until 10:00 PM CST the day before the scheduled payment date.

What happens if I have a scheduled payment that falls over a weekend or holiday?
Scheduled payments that fall over a weekend will be processed on Friday evening. Any new payments that are scheduled over that particular weekend will be processed on Sunday night. Holiday processing occurs the day following the holiday.

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FUNDS TRANSFERS FAQ's

How do I transfer funds between my accounts?
To transfer funds follow the instructions below:

1. Next to the account you want to transfer from, click on the down arrow and select Transfers.
2. Click on the down arrow beside the "Add Transfer from" menu to select the account you wish to transfer from, then click on that account.
3. The "New Transfer" screen will appear. Click on the down arrow beside the "Transfer funds to" menu, and click on the account you wish to transfer funds to.
4. Key the amount to transfer, in dollars and cents.
5. Select the frequency you wish the transfer to be made.
6. Enter the date you wish the funds to be transferred.
7. Review your entry prior to posting for accuracy.
8. Select “Submit." After the transfer processes you will receive a confirmation number that you should keep until you balance your statement.

Why can’t I transfer between my FNB accounts?
When you completed the FNBOnline Enrollment Form, you may have not selected to allow transfer capability to your logon. For security purposes, if you did not answer the question, we did not set up transfer capability. To allow transfer capability, just contact any FNB location or give us a call at 866-310-6480 (toll free) during normal support hours.

Some of my accounts are not displayed when I sign onto FNBOnline.  
When you completed the FNBOnline Enrollment Form, you may have only selected to have access to specific accounts. To include additional accounts, just call any FNB location or give us a call at 866-310-6480 (toll free) during normal support hours.

When I display my current transactions, I see "POD capture". What does mean?  
FNBOnline is continuously updated throughout the day to give you the most current information possible. Any time checks are presented during the day, they are "memo posted" to your account. A check presented  from the Federal Reserve would have the description "POD Capture Image". You can not view the images of these items until tomorrow.

Can I delete a scheduled transfer?
Yes. Navigate to the ‘Transfers’ page, then select the appropriate account by "View Transfers for" and click ‘Delete.’ Then click ‘Delete’ on the next confirmation page.

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COMMERCIAL ACCOUNTS FAQ's

As a business owner, I would like to offer direct deposit payroll to my employees.
Yes! With our Cash Management product, a business (large or small) can pay their payroll and vendors through ACH origination (direct deposit). Call 866-310-6480 (toll free) or contact FNBOnline Support for more information.
 

Where can I get additional help or information?
If your question was not answered in these Frequently Asked Questions, you may also visit the "Help" section in FNBOnline.

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