With banking increasingly being done on the internet, many questions have come up about security. Through Cryptographic Technology, information is protected as it is transmitted across the internet. This technology is a form of scrambling the data as it is sent.
First National Bank uses 128 bit encryption. (If your browser doesn't support 128 bit encryption, you can download a new browser for free by going to www.mozilla.org or www.microsoft.com.) Other security tools available to ensure the integrity of your data are fire-walls and filtering routers used to secure computers from third party access via the internet, and a "trusted" operating system employed to protect the information from both internal and external threats.
For added security, we use Multi-factor authentication. Customers are required to determine their own unique Personal Identification Number (PIN), and PIN guessing is deterred by locking a user out of the system after three unsuccessful attempts. These are just some of the full range of internet security tools we use. These layers of security work together to make sure that all information transmitted between you and the Bank is both secure and authentic. Multi-factor authentication includes: watermarks, out of band authentication techniques, and challenge questions. Other security protections: username/password authentication, Complex password requirements, expiration on passwords, and IP address matching.
Finally, the same laws that protect consumers in the case of fraudulent credit card usage and other electronic banking applications serve also to limit the consumer's liability in the event of unauthorized online banking activity. Please see the Federal Reserve Board Regulation E (Electronic Funds Transfers) Disclosure.
To further ensure your security please remember to do the following:
Email: Support or call (423)569-8586; or (423)663-4044 for questions concerning First National Bank Web Security.
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