Online Banking Security

What First National Bank & Trust Co. is doing to keep you safe online:

Password Protection- Your password is the first line of defense, and is a unique identifier. Be sure not to share your password with anyone - most frauds involving hijacked accounts originate with someone the victim knows.

  • Multifactor Authentication- This identity verification system provides extra security by requiring multiple forms of identification, such as security questions.
  • Encryption- Once you have logged into online banking, your transactions and personal information are secured by encryption that converts the information into code readable only by you and First National Bank & Trust Co.
  • Privacy Policies- Bank privacy policies protecting your personal information are stringent. Your confidential information is treated with the utmost care, meeting or exceeding federal and state mandates.

Safety Tips for Using Online Banking:

  • Passwords- Security begins with a strong password that only you, the user, knows. A strong password should consist of a combination of letters, numbers, and special characters. We advise you not to use an easily guessed password, such as birthdays or addresses.
  • Anti-Virus Protection-Make sure the anti-virus software on your computer is always current. This simple step is critical to your personal safety and security.
  • Email Communication- Email is generally not encrypted, so we advise you do not send sensitive information, such as account numbers or other personal information, by email. If you received a suspicious email claiming to be from First National Bank & Trust Co. please call us immediately to determine if we are the sender.
  • Signing Off- Always make sure to select Log Out in the top right corner of your Online Banking page before you exit the program. This helps to ensure the protection of your personal information.
  • Be Aware- Crooks are always trying to get your personal information. Do not respond to any unusual requests for personal information. When in doubt, please call us immediately, we would be happy to help!

Common Threats:

  • Phishing- Fraudulent emails purporting to be from a trusted source luring you to a copycat website. Once there, you are instructed to verify personal information, which is then used to hijack your accounts and your identity. If you receive any suspicious emails, delete them immediately.
  • Pharming- Also called "Domain Spoofing”, cybercrime that intercepts Internet traffic and re-routes it to a fraudulent website. Once there, you are prompted to enter personal information
  • Malware- is designed to infiltrate or damage a computer system without the owner's knowledge. Examples include: computer viruses, worms, Trojan horses, spyware and adware.
  • Ransomware- Malicious software designed to block access to a computer system or a mobile device until a ransom is paid.
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