Security

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 "fnbc.us."This means that the only letters after the"@" symbol in their e-mail address should be "fnbc.us." 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.

CreditGuard™

Stop identity theft with CreditGuard™ - the most proactive, innovative identity theft program available today!

Did you know...

  • Every 3 seconds, someone's identity is stolen!
  • There are over 15 million victims of identity theft every year!
  • 93% of all identity theft starts with unlawful use of your Social Security Number!
  • You are at risk!
  • Don't let it happen to you! Get CreditGuard™!

As an FNBC customer, you are entitled to a discount when you enroll with CreditGuard™. Call us at 870-994-2311 or 888-435-2265 or visit one of our locations today to find out more about CreditGuard™ and start protecting your identity now!

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. Click here for more information on Identity Theft Prevention at FNBC's Online Education Center.

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.
  • Never click on links sent in unsolicited emails. Instead, type in a web address that you know. Use firewalls, anti-spyware, and anti-virus software to protect your home computer; keep them up-to-date.
  • Use complex passwords. Don't use an obvious password like your birth date, your mother's maiden name, or the last four digits of your Social Security Number, or your phone number.
  • 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.

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 www.equifax.com P.O. Box 740241, Atlanta, GA 30374-0241. Experian: 1-888-EXPERIAN (1-888-397-3742); www.experian.com; P.O. Box 9532, Allen, TX 75013. Trans Union: 1-800-680-7289; www.transunion.com; 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 ftc.gov/idtheft 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: ftc.gov/idtheft. 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 www.annualcreditreport.com, or call toll-free 1-877-322-8228.

Additional information is available at www.ftc.gov/idtheft.