ONLINE BANKING • CASH MANAGEMENT SERVICES

Answers to Frequently Asked Questions

SECURITY  ISSUES

1.  How safe is My account information?

Please refer to our "Security Statement" for the complete details of our security.  Links to our Security Statement can be found at the bottom of the Bank's Web Site Home Page and on the first page of the Online Banking program.

Our Part in keeping your account information safe

First Northern Bank uses the latest security technology and state-of-the-industry security software and hardware to ensure your account information remains safe.  With proven encryption, firewalls and trusted operating systems incorporated into our overall banking architecture, we have made it as secure as possible for authentic transactions to take place over the Internet.  Please refer to our "Security Statement" section for the details of our security.

Your Part in keeping your account information safe

• Your Login ID and Password are confidential and you should exercise care when using them.  Don't make your password something that can be easily guessed or figured out.
• Never lend your Login ID or Password to anyone and never write them on your PC or any computer materials.
• Never accept advice from strangers while you are using it.
• Beware of fraudulent requests for your password by someone posing as a Bank employee.  A Bank employee would never ask for this information!
• Never use a "Save Password" feature if offered by your browser. (This is a feature available in Microsoft Explorer 5.0)  This would allow anyone who opens your browser access to your account information without needing a password.
• Use a browser with 128-bit encryption which provides the highest level of encryption.  (Encryption is a method of scrambling information transmitted between you and the Bank.)  You can download the 128-bit encryption level of Netscape Navigator 4.0 or Microsoft Explorer 4.0 from our home page (www.thatsmybank.com).
• Please refer to our "Security Statement" section for the more recommendations you can follow to ensure maximum security of your account information.

2.  Where can I find more detailed information about security?

Please refer to our Online Security section for more detailed information on how we keep your banking information safe with Online Banking.

3.  Can the Bank answer questions about My Internet Service connection or My computer?

Your best source of information regarding any issues you have with your Internet connection is your Internet Service Provider.  Their customer service personnel are trained to answer all your Internet connection questions. The same holds true for any questions about your computer. Contact the hardware manufacturer or software company for best results.

4.  Can anyone else see My account information?

No, your online account information is available only to those with an authorized  Login ID and password.  The information is not public.

5.  Will an unauthorized person be able to access My accounts with Online Banking?

No! Only the signers on an account, using their own Login ID and Password, will be able to access the account. 

6.  Who is liable, the Bank or me, if a "hacker" breaks into the system and takes all or some of My money?

You're liability may be limited by a federal regulation (known as "Regulation E") against "unauthorized transactions" to your accounts.  The regulation states that "If you notify your Bank within two days of learning of an unauthorized transaction, your liability is limited to $50."  Please refer to the electronic disclosure information given to you when signed up for Online Banking for more details.  You may obtain another copy of this disclosure from any branch location or by calling our Online Support Group at 1-877-FNB-6000.

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