Security Information

Security is of the utmost concern at FNBC. That's why we have 128-bit technology in our secure Internet Banking program.

For added security, we encourage you to avoid responding to any e-mail from a sender claiming to be bank personnel unless their e-mail address is routed to ""This means that the only letters after the"@" symbol in their e-mail address should be "" We also want to remind our Internet Banking customers that we will never ask for your password. So don't give it to anyone. If you forget your password, we will simply reset it with an authorization call from you.

If an authorized signer on your account would like access to your accounts through our Internet Banking program, this individual will need to enroll separately and create his or her own password. Please do not share your password with anyone.

Identity Theft Information

Identity theft is a serious crime. It occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes. Identity theft can cost you time and money, and can destroy your credit and ruin your good name.

Tips to Guard your Personal information:

  • Shred Financial documents and paperwork with personal information before you discard them.
  • Protect your Social Security Number.
  • Don't give out personal information on the phone, through the mail, or over the Internet unless you know who you are dealing with.
  • Keep your personal information in a secure place at home, especially if you have roommates, employ outside help, or are having work done in your house.

Online Banking Best Practices

• Use complex passwords with at least 8 characters that include a combination of mixed case letters, numbers, and special characters.

• Never share username and password information with anyone.

• Avoid using an automatic login feature that saves usernames and passwords.

• Do not use public or other unsecured computers for logging into Personal Online Banking.

• Check the last login date/time every time you log in.

• Review account balances and detail transactions regularly and immediately report any suspicious transactions to your bank.

• Do not use account numbers, your social security number, or other account or personal information when creating account nicknames.

• Never leave a computer unattended while using Personal Online Banking.

• Never conduct banking transactions while multiple browsers are open on your computer

Business Online Banking Best Practices

• Do not allow the use of "shared" usernames and passwords

• Limit the number of computers used to complete online banking transactions; ensure these computers are equipped with the latest versions and patches of both anti-virus and anti-spyware software.

• Delete online user ID's when employees leave your company.

• Assign dual system administrators for online cash management transactions.

• Establish transaction dollar limits for employees who initiate and approve online payements such as ACH, wire transfers, and account transfers.

Tips for Online Payments

• When you have completed a transaction, ensure you log off.

• Use pre-notification transactions to verify that account numbers within your ACH payments are correct.

• Reconcile by carefully monitoring account activity and reviewing all transactions initiated by your business on a daily basis.

Tips to Avoid Phishing, Spyware and Malware

• Do not open e-mail from unknown sources. Be suspicious of e-mails portraying to be from a bank, government department, or other agencies requesting account information, account verification, or banking access credentials such as usernames, passwords, PIN codes.

• Never respond to a suspicious e-mail or click on any hyperlinks embedded in the suspicious e-mail.

• If an email from your bank seems suspicious, contact your bank by phone or in person.

• Install anti-virus and spyware detection software on all computer systems.

• Update computers regularly with the latest versions and patches of both anti-viris and anti-spyware software.

• Install and actively manage a firewall, especially if using a broadband or dedicated connection to the internet, such as DSL or cable.

• Check your settings and select, at least, a medium level of security for your browsers.

• Clear the browser cache before starting any Business online banking session. This function is generally found in the browser's preference menu.

• Online Banking does not use pop-up windows to display login messages or errors. They are displayed directly on the login screen

• Online Banking never displays pop-up messages indicating that you cannot use your current browser.

• Online Banking error messages never include an amount of time to wait before trying to login again.

• Repeatedly being asked to enter your password/token code are signs of potentially harmful activity.

Identity Theft Victims:

If you are a victim of identity theft, take the following four steps as soon as possible, and keep a record with the details of your conversations and copies of all correspondence.

Immediate Steps:

  • Place a Fraud Alert on your Credit Reports, and review your credit reports. Contact any one of the three consumer reporting companies below to place a fraud alert on your credit report. You only need to contact one of the three companies to place an alert. Equifax: 1-800-525-6285 P.O. Box 740241, Atlanta, GA 30374-0241. Experian: 1-888-EXPERIAN (1-888-397-3742);; P.O. Box 9532, Allen, TX 75013. Trans Union: 1-800-680-7289;; Fraud Victim Assistance Division, P.O. box 6790, Fullerton, CA 92834-6790
  • Close the Accounts that you know or believe may have been tampered with or opened fraudulently. Call and speak with someone in the security or fraud department of each company. Follow up in writing and include copies (Not originals) of supporting documents. Use the ID Theft Affidavit at to support your written statement. Ask for verification that the disputed account has been closed and the fraudulent debts discharged. Keep copies of documents and records of your conversations about the theft
  • File a Police report. File a report with law enforcement officials to help you with creditors who may want proof of the crime.
  • Report the theft to the Federal Trade Commission. Your report helps law enforcement officials across the country in their investigations. Online: By phone: 1-877-ID-THEFT (438-4338). By mail: Identity Theft Clearinghouse, Federal Trade Commission, Washington, DC 20580

Getting Your Credit Reports:

The Fair Credit Reporting Act requires each of the nationwide consumer reporting companies- Equifax, Experian, and Trans Union- to provide you with a free copy of your credit report, at your request, once every 12 months.

To order your free annual report from one or all the national consumer reporting companies, visit, or call toll-free 1-877-322-8228.

Additional information is available at