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Banking Security at First National Bank

First National Bank has developed a comprehensive program to protect the security, integrity, and confidentiality of our customers’ information, and to protect against unauthorized use of that information which could result in harm or inconvenience to you. Our program is reviewed and updated as technology changes, and the staff is trained to respect and comply with our security procedures. Keeping our systems and your financial information secure is of paramount importance to us, and we will be diligent in achieving this end.

What is Identity Theft?

Identity theft occurs when someone uses your personal identification information – your name, birth date, Social Security number or credit card number – without your permission, to commit fraud or other crimes. Skilled identity thieves may use a variety of methods to get hold of your information:

  • Dumpster Diving – They rummage through trash looking for bills or other paper with your personal information on it.
  • Skimming –They steal credit/debit card numbers by using a special storage device when processing your card.
  • Phishing –They pretend to be financial institutions or companies and send spam or pop-up messages to get you to reveal your personal information.
  • Changing Your Address – They divert your billing statements to another location by completing a change of address form.
  • Old-Fashioned Stealing –They steal wallets and purses; mail, including bank and credit card statements; pre-approved credit offers; and new checks or tax information. They also steal personnel records, or bribe employees who have access.
  • Pretexting – They use false pretenses to obtain your personal information from financial institutions, telephone companies, and other sources.

Preventing Fraud

Always protect the security of your First National Bank online password. Employees of First National Bank WILL NEVER ask for your online banking password. If you are asked for this information, please call 1.800.564.3195 immediately and report it to a First Phone Banking Representative.

Here are other important ways to avoid becoming a victim:

  • Check your credit report annually. You can request a free credit report annually by visiting It will give you a report from all of the nationwide consumer credit reporting companies. You can also contact each individually:
     - Equifax - or 800.685.1111
     - Experian - or 888.397.3742
     - Trans Union - or 877.322.8228
  • Review your bills and statements on a regular basis for any unusual activity and report any discrepancies immediately.
  • Guard your mail and trash from theft.
  • Shred any financial solicitations or other bank statements before disposing of them.
  • Report lost or stolen checks or credit/debit cards immediately.
  • Notify your bank immediately of suspicious phone inquiries and emails such as those asking to verify personal account information.
  • Keep your Social Security number safe and don't give it out unless you know the person or organization you are dealing with.

Helpful Links

If you have any questions or concerns, contact First National Bank at 800-564-3195.