Internet Banking 101
Q: What is Internet Banking?
A: Internet Banking, also called Online Banking, is a tool that allows you to use a personal computer with an Internet connection to conduct your banking online.

Q: What can I do with Internet Banking?
A: You can view account balances and transaction history, transfer money between FNB accounts, apply for products electronically, and download transactions to a personal financial planning software and much more. Check out the Internet Banking Demo to see all the features of Internet Banking and how you can personalize your online banking experience. You can also sign up for Online Bill Pay that allows you to pay your bills quickly and easily! Click here for more information on Bill Pay.

Q: How do I signup for Internet Banking?
A:
  1. Simply fill out the online registration form and accept the online agreement.
  2. We will process your application (cut off time is every business day at 4:30pm).
  3. The following business day (or the day after that if you applied after 4:30pm) go to our home page login box (pictured below) and login.
  4. Your user id is your social security number and your password was selected in your registration form.
Login Box
You are now ready to use online banking. (The online bill pay is a separate registration. Click here for instructions on bill pay registration.)

Q: When can I start to use Internet Banking after registration?
A: It depends. The cut off time for registration is 4:30pm CST. If you apply before 4:30pm on a normal banking day, your Internet Banking is ready to use the next morning. However, applications submitted after 4:30pm won't be ready until the morning after that.

Q: When do I have access to use Internet Banking?
A: With Online Banking, you have access to your account information 24 hours a day, 7 days a week! However, we occasionally perform maintenance which may allow the Online Banking to be temporarily unavailable.

Q: Is any of my personal information stored in the Internet Banking product?
A: Yes, the Internet Banking product encrypts and stores your User ID, password and user preferences. However, Customer Service Representatives do not have access to your password and user preferences for your security.

Q: How current is my banking information?
A: Your account information is constantly updated with new transactions that post to your account.

Q: What accounts will I be able to access through Internet Banking?
A: You can access any of your checking, savings, investment and loan accounts from FNB through Online Banking. Our Internet Banking is intended to give you as much access, security, and versatility as possible.

Q: How much account information can I view at once?
A: The system will automatically show the current month's transactions and information. However, by selecting User Preferences, you can change the default time frame. You can also customize reports to show as little or as much information as you want.

Q: How far back can I see my transactions?
A: You can view any transactions on Online Banking that are within the last 12 months or since you've registered for Online Banking, whichever is the most recent.

Q: Why can't I see any transactions from before I registered?
A: Our Online Banking is only updated once a day. This updated information only contains the previous day's transactions for those who are registered for Online Banking. So any transactions you may have before you registered are never transferred to Online Banking.

Q: Can I view my account details in more than one way?
A: Yes, you can view your accounts by date, check number, payee, amount or balance in ascending or descending order.

Q: Can I change the name of my accounts?
A: Yes. By default, each account within online banking is given the account type as its nickname ("Savings", "Regular Checking", "CD", etc). However, you can change these names to more descriptive names. Inside the "User Options" select the "Change account nicknames" link. Type in the nicknames you want and click on "Change". Remember that these names are only within Online Banking.

Q: What formats can I download my transaction history in?
A: The First Internet Banking supports downloads to Quicken 2004 and earlier, MS Money or as a comma-delimited text file.

Q: How do I import my account transactions into Quicken or MS Money?
A: Inside the "Export" section of online banking, select which account you want to download, the time frame, and the financial software you are using. Click on the "Download Data" button, then "Save". You should now be prompted for a filename and location. Make sure you specify a location that you can easily locate later. Click on "Save". Finally inside your financial software, follow the instructions specific for your software for importing files.

Q: How do I import my account transactions into Quicken 2005 or later?
A: We do not support download into Quicken 2005 or later. Please click here for more information.

Q: Can I reconcile my Online Banking with my financial software?
A: At the current time, exporting into a financial software only adds the transactions into your program. There is no way to automatically balance your accounts online.

Q: How long can I be inactive before being logged out of Internet Banking?
A: The inactivity time out default is set for 20 minutes. However, you can define the timeout period in the User Options area for 20, 30, or 40 minutes.

Q: Are there any requirements to keep my Online Banking account?
A: We only require that you use your online banking at least once every six months. Additionally, we reserve the right to cancel your online banking account access if we suspect your account has been compromised or misused. If you want to cancel the service at any time, please contact us.

Q: What is required to use the Internet Banking service?
A: All you need to use Internet Banking is a secure browser that supports 128-bit encryption, such as Microsoft Internet Explorer®, Mozilla Firefox®, Netscape Navigator® or American Online®. Recommended browsers and versions are listed in the following table:


You can use any computer that has Internet access.

Q: What if my browser isn't one of the recommended browsers?
A: Your browser may work anyway. The listed browsers above are just the GUARENTEED to work browsers. However, your browser may unexpectedly stop working if the online banking product is upgraded. If you are getting errors when you log into online banking, install one of the recommended browsers. To install one of these browsers, go to the distributer's website (Internet Explorer®, Netscape®, AOL®) and follow their instructions.

Q: How do know what browser version I'm using?
A:To determine what browser and version you are using follow these simple instructions:
  1. Open your browser.
  2. At the top, click on HELP.
  3. Select ABOUT NETSCAPE (NAVIGATOR or COMMUNICATOR) or ABOUT INTERNET EXPLORER.
  4. Help will display the version of the browser you are using. Click on OK to exit.
Q: How do I access Internet Banking?
A: You must first complete the Internet Banking registration form and submit it to us. Your "User ID" is your Social Security number without the dashes; you select your password when you fill out the registration form. Once your registration is received, we will review your application. After we accept your application, you can log into your account from the upper right-hand corner of the home page and start using Internet Banking. Applications accepted before our 4:30PM cuttoff time are available the next day. Those that are accepted after the cuttoff are not available until the day after that. You must have an existing checking, savings, CD, IRA or loan account before banking online.

Q: Can I create my own password that is easy for me to remember?
A: Yes, you create your own password when you register. We require your password to be between 6 and 14 characters and at least one number and at least one letter. You may also use special characters for extra security (~,!,@,#,$,%,^,*,_,etc), however, we don't require them. At any time, you can go to "User Options" within online banking and change your password.

Q: What happens if I forget or lose my password?
A: When you login the first time, you will be asked to answer 3 password verification questions. These questions allow you to change your password if you forget it. Simply click on the You Reset Password link in the login box and answer the 3 password verification questions correctly, and then you can reset your password. However, if you can't remember the answers or you opted out, just contact us at any of our branch locations during business hours and we will take you through the steps needed to get you back into online banking immediately!

Q: How often do I have to change my password?
A: For security reasons, we require you to change your password every 45 days. However, you may change it more frequently if you wish. Just log into your online account and go into "User Options".

Q: What if I'm having problems logging into my account?
A: One of the following may be occurring:
  1. If you are getting a "customer validation error", that means you are entering the wrong password. Passwords are case-sensitive, so check if your caps lock is on.
  2. If you are "locked out", contact us and we will unlock your account.
  3. If you are receiving a "cookies not accepted" error, your cookies may be corrupted. Follow your browser's instructions for deleting temporaty internet files and cookies.
  4. If your browser is one of the recommended versions and you are still getting errors, your internet settings may not be compatible for our website. Follow the step-by-step instructions here to change your settings.
  5. However, if you are still receiving errors, there might be a problem with your browser version. Install one of the browsers above.
After following these steps and you continue to have a problem, contact us.

Q: Why am I having problems getting into my Online Banking? It was working fine before.
A: With each online banking update, we add new security features that weren't possible with the previous version. This makes your FNB Online experience more secure. Unfortunately, many older browsers and settings aren't capable of these higher standards. Following the steps above will allow you to safely access your Online Banking.
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