Get Answers About:
If you don’t see your question, e-mail us at info@fnblivingston.com or call us at either 936-327-1234 or 1-800-324-9279.
Do
you have to be a First National Bank of Livingston customer to use FNB
Online Banking?
Yes, to access your accounts online through FNB Online Banking you must
have at least one account with First National Bank of Livingston.
How do I sign up
for FNB Online Banking?
You can sign up by selecting "First Time Log On" from the Online
Banking section on the main page of First National Bank's website (www.fnblivingston.com),
or you may visit the Learn More page and gain additional information about
the service and then select "First Time Log On" from that page.
For more information on completing the "First Time Log On Form"
please see the System/Password
Requirements page. You are also welcome to sign up in person
at any one of our three branches.
When I am completing
the First Time Log On Form there is a security question and security answer
field. What are these for?
Both of these fields provide additional levels of security, and will be used for identification purposes in the event you have forgotten your Access ID or password. Type in a short question that we may ask you for identification purposes, for example “What is my dog’s name?” “What is my favorite sport?” In the security answer field type in the answer to your question, for example “Fido” “Baseball”. This question and answer will remain on file. If you need to call us regarding your Access ID or password, we will ask you the security question and you will give us your security answer.
If I share an account
with someone else, how does this work?
If you have an account with more than one person on the account, each
person on the account should complete the First Time Logon Form and establish
their own Access ID and password.
Once I am signed up for FNB Online Banking, how long before I can begin
using the service?
If you are logging on for the first time with a Telebanking PIN number,
your access is immediate. If you are logging on for the first time without a Telebanking PIN number you will be able to access the system within
three to five days, once you have received your Access ID and Password.
What are the system
requirements to access FNB Online Banking?
To access FNB Online Banking, you need access to the Internet through
an Internet-enabled device such as a personal computer, web TV, or other
means. To ensure a high level of security, we require that all users have
browsers that support 128 bit encryption, such as Internet Explorer version
5.5 or greater or Netscape Navigator version 6.0 or greater. If your browser
does not currently meet these requirements, you can download the appropriate
version by viewing our System
and Password Requirements page and clicking on the appropriate
icon.
When I try to access
FNB Online Banking all I can see is gibberish. What can be causing this?
Your may need to update your browser and/or encryption. For your conveniance
we have provided links to Microsoft and Netscape on our System
and Password Requirements page.
What is an Access
ID?
Your Access ID, along with your password, will be used to securely identify you each time you log on to FNB Online Banking. Your Access ID must be unique, and be between 6 and 17 characters in length. These characters can be all letters, all numbers, or a combination of both. Access IDs may be in all upper case, lower case, or a combination of both. For example, “CAT453”, “cat453”, or “Cat453”. Your Access ID is case sensitive, therefore must always be entered exactly as it was established during the First Time Log In process.
What is a password?
Your password, along with your Access ID, will be used to securely identify
you each time you log on to FNB Online Banking. Your password must be
between 6 and 12 characters in length, and it must contain at least 1
number and 1 alphabetic character. Passwords may be in all upper case,
lower case, or a combination of both. For example, “CAT453”,
“cat453”, or “Cat453”. Your password is case sensitive,
therefore must always be entered exactly as it was established during
the First Time Log In process.
What is Multi-factor Authentication?
The first time you logon to FNB Online Banking you will be required to provide information necessary to establish the additional security requirements for multi-factor authentication. Multi-factor authentication is necessary to further enhance your security when using FNB Bank Online Banking, and to comply with current regulatory guidelines. An Authentication Image will be randomly selected for you during the enrollment process. You will also be requested to select an Authentication Pass Phrase. Both the image and pass phrase will be displayed to you in the future after you enter your Access ID. You should review the image and pass phrase that is displayed to ensure you are connected to the authentic FNB Online Banking site before entering your Password. (Note: A pass phrase is simply a word or phrase that you can easily remember and associate with online banking. We recommend you NOT use your Access ID or Password for this Pass Phrase.) If signing on to FNB Online Banking and the image and/or pass phrase do not match your selections during enrollment, do NOT enter your Password. Contact the Bank for further instructions.
You will also be asked to select a series of challenge questions with your own responses. These can be used in the future to authenticate your sign on, if you are accessing the system from a different computer than you typically use.
If I share an account
with someone else, should we use the same Access ID and Password?
No, for security purposes we ask that each customer using FNB Online Banking
establish a unique Access ID and password. If there is more than one name
on your account, the account is jointly owned by all the named individuals
on the account. Each person named on the account should have his or her
own Access ID and password.
What do I do if
I forget my Access ID or password?
Please give us a call at 1-936-327-1234 or 1-800-324-9279, or stop by
any one of our three offices. Be prepared to give us the answer to your
security question, along with other means of identification. For more
information on the “security question and answer” please refer
to the “Signing Up For Online Banking Section” above.
What happens if
I enter the wrong password?
If you enter the wrong password, you will receive the following message
“Log In Information is Missing or Invalid.” Select the Back
button and try again. (Tip: this field is case sensitive. If you established
a password of “cat453” and are now typing “CAT453”
or “Cat453”, you will receive the message “Log In Information
is Missing or Invalid”). If you enter the wrong password three consecutive
times, you will be locked out of FNB Online Banking. This is one part
of our comprehensive plan to ensure confidentiality. To re-gain access
please contact us by phone at 1-936-327-1234 or 1-800-324-9279, or come
by and see us at any one of our three locations.
What happens if
I enter the wrong Access ID?
If you enter the wrong Access ID, you will receive the following message
“Log In Information is Missing or Invalid Use First Time Log In If
Logging In For The First Time.” (Tip: this field is case sensitive.
If you established an Access ID of “cat453” and are now typing
“CAT453” or “Cat453”, you will receive the message
“Log In Information is Missing or Invalid”). If you enter the
wrong Access ID three consecutive times, please contact us by phone at
1-936-327-1234 or 1-800-324-9279.
How do I change
my password?
Once you are in FNB Online Banking select the Change Password button on
the main menu bar. Enter your current password, then enter your new password
twice. Your password must be between 6 to 12 characters in length, and
it must contain at least 1 number and 1 alphabetic character.
Security and FNB Online Banking
How do I know my
information is secure when I’m using FNB Online Banking?
We appreciate your concerns regarding the security of information you
exchange while conducting your online banking; therefore we have the following
controls in place:
- SSL Protocol
– FNB Online Banking access requires you to use a web browser that
uses SSL protocol. SSL stands for Secure Socket Layer, which is a technology
that protects data and allows users to establish sessions on the Internet
that are safe.
- 128 Bit Encryption
–We require that all users have browsers that support 128-bit
encryption. This level of encryption is the highest level of security
that is commercially available. Encryption is a process by which your
data is protected as it is transferred between your browser and First
National Bank of Livingston. This process allows for the scrambling
of data that is being transferred and the descrambling of the data once
it reaches the Bank’s server. This technology gives you the piece
of mind that you need, knowing that your sessions in FNB Online are
protected.
- Firewalls –
A firewall is a specially programmed computer that connects a local
network to the Internet and, for security reasons, lets only certain
kinds of messages in and out. This firewall is monitored 24 hours a
day, 7 days a week to ensure the integrity of our FNB Online Banking
system.
- Multi-Factor Authentication –
The first time you logon to FNB Online Banking you will be required to provide information necessary to establish the additional security requirements for multi-factor authentication. Multi-factor authentication is necessary to further enhance your security when using FNB Bank Online Banking, and to comply with current regulatory guidelines. An Authentication Image will be randomly selected for you during the enrollment process. You will also be requested to select an Authentication Pass Phrase. Both the image and pass phrase will be displayed to you in the future after you enter your Access ID. You should review the image and pass phrase that is displayed to ensure you are connected to the authentic FNB Online Banking site before entering your Password. (Note: A pass phrase is simply a word or phrase that you can easily remember and associate with online banking. We recommend you NOT use your Access ID or Password for this Pass Phrase.) If signing on to FNB Online Banking and the image and/or pass phrase do not match your selections during enrollment, do NOT enter your Password. Contact the Bank for further instructions.
You will also be asked to select a series of challenge questions with your own responses. These can be used in the future to authenticate your sign on, if you are accessing the system from a different computer than you typically use.
Are there any other
security measures that can be taken?
Your Access ID and password are a very important part of the FNB Online
Banking process. These codes are for your use only, so we highly recommend
that you follow these guidelines when securing your codes:
- Do not reveal your codes to anyone.
- Avoid selecting codes based on personal information.
- Avoid keeping written records of your codes.
- Do not leave your computer unattended when connected to FNB Online Banking.
- Periodically change your password.
What happens if
I don’t log out of FNB Online Banking?
FNB Online Banking has a 20-minute time out feature, so if the system
is not used for 20 minutes, you will be automatically disconnected and
will need to log back in to continue using the system.
What types of accounts
can I access Online?
With FNB Online Banking you can access and get information about your
checking or savings accounts, your certificates of deposit, IRAs, loans,
safe deposit box and debit cards.
Will FNB Online
Banking work for my business accounts as well?
FNB Online Banking is available for personal or business use, however,
for customers requiring more extensive cash management options, multiple
user security, or ACH Origination capability, our Cash Management Online
service may better suit your needs. Please refer to our Cash Management
Online Learn More/Demo tab on the main page of this web site, or contact
any or our Customer Service Representatives for more information.
Can I access my
account from more than one location?
Yes, you can access your accounts from home, the office, when conducting
business traveling, or while on vacation. You can access your accounts
anywhere that you have access to the Internet. That includes anywhere
in the world.
What can I do Online?
- View balance information.
- View pending transactions, such as transactions made with your ATM or Debit card, direct deposits, and automatic drafts to your account.
- View images of checks and deposits you have written.
- Review current and previous statements and print them out if needed.
- Inquire about stop payments on your account, and place a new stop payment if needed.
- Transfer money between your First National accounts.
- Make your FNB loan payment, view a transactional history of your loan or mortgage.
- Obtain general account information, such as interest earned on deposit accounts, maturity dates of Certificates of Deposit and IRAs.
- Pay your bills.
How far back can
I review previous statements?
FNB Online Banking will maintain 24 months of previous statements for
each customer.
Does FNB Online
Banking support Quicken®, MS Money® or other Personal Financial
Management software?
Yes, you can export data from FNB Online Banking directly into your accounting
software, thus saving you time in account reconciliation and financial
reports.
How current is
my balance?
With FNB Online Banking your balance will be reflected real-time. Real-time
means that your balance is continually updated as transactions occur.
For example, if you make a deposit in our downtown lobby and then immediately
Log On to FNB Online, you will see that deposit reflected in your balance.
Or, if you withdraw money from an ATM and then immediately Log On to FNB
Online, you will see that deposit reflected in your balance. Additionally,
if electronic transactions such as direct deposit, social security payments,
insurance drafts, etc. are received during the day, we will “memo”
post them to your account and make them available for you view and use.
I’ve noticed that sometimes my current balance differs from my
available balance. How can this be?
If you notice a difference between your “current balance” and
“available balance”, this is usually due to deposits made that
include checks. Our system automatically assigns “float” to
those items, and this float is reflected in the “available balance”,
however the “available balance” is only used internally by First
National Bank and does not affect your ability to use those funds. The
balance used to allow ATM withdrawals, transfers between accounts, debit
card purchased and cashed checks is the “current balance”, which
includes all deposits made, regardless of the items deposited.
Is my Pocket Money
reflected in my balance?
No, the available Pocket Money is not reflected in your current balance,
however it is listed as a separate account under the account list. If
you would like to access any of your available Pocket Money, simply use
the transfer function and transfer from your Pocket Money account to your
checking account.
Can I make a Pocket Money payment?
Yes, if you would like to make a payment to your Pocket Money account, simply click on the Transfer tab and make a transfer from your checking account to your Pocket Money account.
Where do I find
my Pending Transactions?
After logging on, select the account you wish to view, click on the Transactions
tab, then select Current Business Day.
Can I transfer
funds from my account at First National Bank of Livingston to another
bank or from another bank to my account at First National?
No, transfers can only be done between your accounts at First National
Bank.
What types of accounts
can I transfer between?
You can transfer funds between any of your First National Bank checking or savings accounts. You may also make a loan payment by transferring from your checking or savings account and apply that transfer to your loan.
NOTE: Transfers can not be made to or from Certificates of Deposit or IRAs. Additionally, you can not transfer from your loan to your checking or savings account.
Are there limits
on the number of transfers I can make?
No, there is no limit to the number of transfers you can make Online.
However, Federal Regulations limit the number of withdrawals and transfers
on certain types of accounts such as Investment Accounts (Money Market)
and statement savings accounts. Also, as per the disclosure provided to
you on account opening, transfers from a savings account will be assessed
a $1 charge for each transfer in excess of two per month.
If I want a transfer
to post today, what time do I have to have it completed by?
Transfers made before 2:00 p.m. will post to your account that day. Transfers
made after 2:00 p.m. will post to your account the next business day.
How do I transfer
funds between accounts?
There are two different ways to transfer funds. You may transfer funds
as an Express Transfer or as a scheduled transfer for recurring or post
dated transfers. For easy to follow step-by-step instructions please click
on the Help button once you have logged on to FNB Online Banking.
Can I post-date
a transfer?
Yes. If you know you will be out of town or just to prefer to set up a
transfer in advance, you can enter your transfer information anytime and
post-date the transfer to the actual date you want it to occur.
Can I cancel a
scheduled transfer?
Yes. For easy to follow step-by-step instructions please click on the
Help button once you have logged on to FNB Online Banking.
How do I make a
payment to my First National Bank loan?
To make a payment to your First National Bank loan, start on the Accounts
Summary page, and select Express Transfer from the main menu bar. Select
the account that you are making the transfer from (ex: checking). Then
select the account that you are making the transfer to (ex: loan). Type
in the amount of the transfer and click submit.
You may also make
payments from within your account. Start on the Accounts Summary page
and select the account that you are making the payment from (ex: checking).
Then select transfers from the main menu bar. Type in the amount and date
of the transfer. Be sure to select the account that you wish to have the
payment made to.
NOTE: When setting up a transfer using this feature, you must first
select the account that you are making the transfer from. You can select
this account from the Accounts Summary page. Then proceed with the transfer
process.
If I pay more than
the amount due on my loan, how is the payment applied to my loan?
The regular payment amount will be applied to your interest and principal.
Any additional amount will be applied to the principal of your loan.
Do I have to pay
to use FNB Online Banking?
No, FNB Online Banking is a free service.
If you wish to place a Stop Payment online, the FNB Online stop payment fee is only $10 per stop payment placed.
What is “Statements
Online”?
Statements Online is a convenient service that gives you the opportunity
to receive your bank statement(s) Online rather than waiting for them
to be mailed to you.
How does this work?
Every month you receive a checking account bank statement in the mail.
You usually receive this statement 3-5 days after the last day of your
statement cycle. With Statements Online wait no more. We will e-mail you
the morning after your statement is processed notifying you that your
statement is available for viewing. Once you receive this e-mail you can
get your statement with a few clicks of your mouse. For more information
please see Statements
Online.
Do I need to sign
up for Statements Online?
Yes, but all you will need to do is complete a short form confirming your
e-mail address and account number(s). For your convenience we have provided
the form on the Statements
Online page. Simply print the form, complete it and return
to the bank by mail, fax, night drop or in person. This form is also available
in the lobby and drive-in at all three locations.
I can not view
or print my statement.
You may not have Adobe Reader 4.0 or higher, a requirement for Statements
Online. Click on the Statements Online tab located on the left of this
page to download a free copy of Adobe Reader.
How much does Bill Pay Online cost?
It’s free.
Who can I pay?
You can make payments to virtually any business or individual located
within the United States. Payments not allowed through Bill Pay are
payments to a federal, state, or local government or tax unit.
How do I sign up for Bill Pay Online?
Simply complete the Bill Pay Online Application
Form and return it to
the bank by mail, fax, night drop, or in person. For your convenience
we have provided a link to this form Bill Pay Online Application. This
form is also available in the lobby and drive-in at all three locations.
Once I have completed and returned the application, how soon can I start
using Bill Pay Online?
Allow three (3) days from the day we receive your completed application.
Then log on to FNB Online Banking, select the account you have designated
for Bill Pay, and there will now be a Bill Payment tab as one of your
options.
Now that I have signed up for this service and the Bill Pay tab is available
to me, how do I get started?
We have an Online Help feature that will give you step-by-step assistance
for all the functions available to you through our Online Bill Payment
service. When logged on to FNB Online Banking, simply click on the “Help” button,
then double click on Bill Payment. Of course, you are always welcome
to call our friendly Customer Service Representatives for additional
help if needed.
I have noticed on the Payment Confirmation Screen there is a “Select
Export Form” box. What is this for?
If you use any type of personal finance software, such as Microsoft Money® or Intuit QuickBooks®, you may export this information directly into that
software.
How many days should I allow between the payment due date and the day
I schedule the payment to be made?
As a rule, you need to allow at least seven (7) business days for payments
to reach your payee.
Why does it take up to seven (7) business days for payments?
Currently, all payments are made by check, which is sent to that payee
via U. S. Mail. Once it is received by the payee, it may also take
a day or so for that payee to process the check and post it to your
account.
What if I need to pay a bill immediately? Will it get paid?
The bill will get paid, but the bank can not guarantee that it will arrive
by the due date. Remember, your payments are sent by check,
so you must allow the U.S. Postal Service sufficient time to deliver
your payment.
When will the payment be deducted from my account?
Your account will be debited for the amount on the scheduled payment
date.
What happens if I do not have sufficient funds in my account to cover
a bill payment?
If your account does not have “sufficient funds” on the scheduled
payment date, the payment will not be processed. The system will automatically
attempt to process the payment every day until sufficient funds become
available.
What if I have more than one account with the same payee?
Because there are two different account numbers, simply add them as two
separate payees .
Can I cancel or stop a scheduled payment?
You can cancel a scheduled payment any time prior to 5:00 P.M. on the
date of the scheduled payment. To cancel a scheduled payment simply select
the appropriate payee from your Payment List, select the payment you
wish to cancel, and delete the information from the “Next Payment” and “Amount” fields.
Payments cannot be cancelled or stopped any time after 5:00 P.M. on the
date of the scheduled payment.
If some of my bills are currently being drafted from my account, will
I have to change them over to the Bill Payment service?
No, there is no need to make any changes to bills currently being drafted
from your account. However, if you would prefer to pay them through the
Bill Pay Online service, you would need to provide the appropriate cancellation
notification to your vendor, and then complete our Bill Pay Add/Delete
Payee form.
Can I use any of my First National Bank of Livingston accounts to pay
my bills?
No, there are Federal Regulations that limit our ability to allow you
to pay bills from your savings or Money Market (Investment) account.
You may use any other checking accounts that you are authorized on and
currently have access to through Online Banking. Additionally, accounts
that require two or more signatures cannot be used for Bill Pay purposes.
What if I still have questions about Bill Pay Online?
We have an Online Help feature that will give you step-by-step assistance
for all the functions available to you through our Online Bill Payment
service. When logged on to FNB Online Banking, simply click on the “Help” button,
then double click on Bill Payment. Of course, you are always welcome
to call our friendly Customer Service Representatives for additional
help at 1-936-327-1234 or 1-800-324-9279, Monday - Friday 7:30 A.M.
to 5:30 P.M., or Saturday 8:00 A.M. to 12:00 noon.
Exporting Transaction Information
Can I export transaction
information for use with a personal finance application, such as Quicken
or Microsoft Money?
Yes, to export transactions into a personal application, complete the
Transaction Search options on the Transaction Menu screen, then click
the “Export” button to export the transactions.
Information can be exported to Microsoft Excel, Microsoft Money, Intuit Quicken, or Intuit Quickbooks:
Exporting to Microsoft
Excel.
Select the account you wish to view, select the Transactions tab, select
Transactions Menu, complete the Transaction Search options according to
your specifications, at the Export Format Field select Comma Separated
File (.CSV), and proceed as follows:
- Click Export – the File Download Box will appear.
- Click Open
- Microsoft Excel will automatically open.
Exporting to Microsoft
Money.
Select the account you wish to view, select the Transactions tab, select
Transactions Menu, complete the Transaction Search options according to
your specifications, at the Export Format Field select Microsoft Money
(.OFX), and proceed as follows:
- Click Export – the File Download Box will appear.
- Click Open
- Microsoft Money will automatically open.
Exporting to Intuit
Quicken.
Select the account you wish to view, select the Transactions tab, select
Transactions Menu, complete the Transaction Search options according to
your specifications, at the Export Format Field select Intuit Quicken
(.QIF), and proceed as follows:
- Click Export – the File Download Box will appear.
- Click Save – the Save As box will appear.
- The file name will always default to export.qif. This file name may be changed to a name of your choice. Select a directory and save the file.
- Open Intuit Quicken.
- Under File, select Import
- Select the file saved in the previous step.
Exporting to Intuit
Quickbooks.
Select the account you wish to view, select the Transactions tab, select
Transactions Menu, complete the Transaction Search options according to
your specifications, at the Export Format Field select Intuit Quickbooks
(.IIF, and proceed as follows:
- Click Export – A box will appear that asks the name of your Quickbooks account you wish to export to. The default name is checking, however this may be changed to a name of your choice.
- Click OK – the File Download box will appear.
- Click Save – the Save As box will appear.
- The file name will always default to export.iif. This file name may be changed to a name of your choice. Select a directory and save the file.
- Open Intuit Quickbooks.
- Under File, select Open.
- Select the file saved in the previous step.
What
is Cash Management Online?
Cash Management Online is a service that provides you with all the benefits
of Online Banking, plus many other enhanced features. Some of these enhanced
features include electronic tax payments, direct deposit of employee payroll,
wire transfers, the ability to move funds to and from other banks, and customization
of users and security levels.
How do I sign up
for this service?
This service is customized to your needs and requirements. Please give us a
call at 1-800-324-9279 or 1-936-327-1234, or stop by one of our offices so that
we can assist in completing the forms to your specifications.
I’ve
reviewed all of the Frequently Asked Questions and still haven’t
found my answer. What should I do now?
Once you have logged in to FNB Online Banking you will notice a Help button.
This online help contains information about every feature and function
available through our FNB Online Banking service.
Or give us a call
at 1-800-324-9279 or 1-936-327-1234 and we will be happy to assist you.
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