Security Policy

Introduction

At First National Bank we understand you may have security concerns when it comes to banking online. FNB Online uses the latest computer and security technology to ensure that all customer information remains secure.

Account Access Controls

First National Bank maintains controls for the way in which each customer may access accounts. Restrictions may be placed on account access and transfer rights. Only customers who have signed up for the FNB Online service will be allowed access and only data for these accounts will be made available over the Internet.

Password Protection

A customer is only allowed access to account information with a valid login consisting of a customer number and PIN. After three simultaneous invalid PIN entries for a customer, access will be disabled for the customer preventing unauthorized access by a third party. Once disabled, only bank personnel may re-enable access to account information.

Secure Communication

All communication between the customer and FNB Online is conducted using the Secure Socket Layer (SSL) protocol. SSL provides data encryption, server authentication, and message integrity for the entire banking session. This assures that somebody will not be able to eavesdrop on the session, that the customer is connected with the FNB Online server, and that all information received will be accurate.

E-Mail and Internet Related Fraud

The FBI's Internet Fraud Complaint Center (IFCC) reports a steady increase in complaints involving unsolicited e-mails directing consumers to a phony "customer service" Web site or directly asking for customer information. These scams are contributing to a rise in identity theft, credit card fraud, and other Internet-based fraud. E-commerce customers, including bank customers, have become victims to these scams.

Techniques used may include e-mails or web sites that appear to contain a legitimate bank logo or an e-mail directing you to visit a false bank web site. After gaining the customer's trust, the perpetrator attempts to convince the customer to provide personal information and provides one or more methods for the customer to communicate that information to the bank. First National Bank will never request by e-mail any confidential information from our customers (i.e. account numbers, passwords, PIN numbers, or social security numbers).

If you should ever receive a suspicious e-mail from a site claiming to be of First National Bank and they are requesting any type of personal information please contact the bank immediately. You may contact your local branch office or contact the main office at 507-835-2740.

You may also visit the following web sites to help explain to you the red flags and risks of identity theft.

Our Responsibility

Data encryption techniques will be used when confidential data is transmitted to or from the customer.

You will be covered for any funds improperly removed from your accounts as a result of:

Online theft of your account numbers or password
Unauthorized online removal of funds from your accounts

Your Responsibility

By using FNB Online you agree to the conditions in our Online Access Agreement. You are responsible for keeping your Account Number, Passwords, personal identification numbers and other account data confidential.

First National Bank cannot be responsible for customer errors or negligent behavior and will not cover losses due to:

Input errors or misuse of the service.
Negligent handling or sharing of passwords leading to unauthorized access to accounts.
Failure to report known incidents of unauthorized account access within 2 business days.

Recommended Browsers

FNB Online requires an 128 bit encrypted web browser. Below is a list of browsers that First National Bank recommends for use with Internet banking.

Mozilla Firefox

Internet Explorer Version 4.0 or higher

How To Contact Us

To contact us about lost or stolen information, or suspected fraudulent activity:

Phone: 507-835-2740
Mail: First National Bank, 101 North State Street, Waseca MN 56093