Online Banking Upgrade FAQs

Q: Why am I being asked to go through this security upgrade? OR, How can I get back to the old security?
A: We are upgrading the overall security of your online banking experience. It is our commitment to keep your accounts safe, while adopting the latest security requirements provided by the government. The new user authentication process complies with best industry practices on how to protect you and your finances.

Q: Is there any problem with the security of my FNB Bank account?
A: No, there isn't. There are new rules for the username and password which must be met due to our security standards. If your previous username and/or password do not meet that criteria, then you will be prompted to change them.

Q: Do I need to upgrade my browser?
A: The following browsers support this upgrade. If your browser is not on the list, then you will need to upgrade:
Safari 6, Firefox, Chrome, and Internet Explorer 8-9

Q: Is my account number changing?
A: No, your account number is not changing. This is just a change to your user ID and password for logging into your online banking account.

Q: Why do I need to change my username?
A: We understand it's difficult to change what you use to log in. However, your account security is of utmost importance to us. The new username requirements meet strong security requirements.

Q: I don't have time to do this right now. Can I just get into my account and do this process at a later time?
A: Unfortunately, we cannot bypass this upgrade process for you – it's required now to access your account. It will just take a few minutes.

Q: Will I have to do these steps again if I use a different computer or device to access online banking?
A: No, these are one-time steps.
However, when you log into Online Banking from a different computer or device next, you'll be sent a one-time passcode that you must enter. The passcode will go to the phone number you set up now, and verifies that you are you, not a fraudster trying to get into your account.

Q: Will I have to do these steps with all my accounts?
A: If you have separate logins for each account then yes this must be completed for each login, otherwise you will only complete once

Q: I don't have a phone available right now. Can I still go through this process?
A: Yes, you can select to have the code sent via email.

Q: Do I have to have a cell phone to complete this process?
A: You can also select to have the code sent via email.

Q: What happened to challenge questions?
A: The federal regulators do not consider challenge questions to be as secure as a one-time passcode. The security of your accounts is of upmost importance to us, so we are moving to one-time passcodes.

Q: I have already completed the verification on this computer, and it is telling me I need to do it all over again, why?
A: If you have deleted your browser's cookies, then the process will be reset. Best practice would be to avoid deleting your cookies.


Online Banking Upgrade

Attention Online Banking Customers:

Upgraded and still having issues or questions?

On October 23, 2012, the online banking platform received an upgrade. The upgrade requires online banking users to utilize more than one form of customer authentication to mitigate the risk of fraud, as required by the Federal Financial Institutions Examination Council (FFIEC).

You can now take advantage of the enhanced safety features by simply logging in as you normally would do. From there, you will be prompted to take two quick steps:

  1. Ensure your login is strong – If your current login does not meet the upgraded security requirements, you will be asked to create a new username and/or password.
  2. Obtain an access code – Provide a phone number to receive an access code via text and/or automated voice message. A new access code will be required whenever you log in to your account on a computer or mobile device not recognized by the system.

Please Note:

  • If you designate your computer as "private" during your upgrade, you will not be asked to complete the security requirements again for that machine.
  • In addition, Internet Explorer users need to ensure that they are using the 8 or newer version, as these versions are only compatible with the new online banking platform.

We are pleased to bring you this security upgrade to make it even safer for you to manage your money online.


Notice of Changes in Temporary FDIC Insurance Coverage for Transaction Accounts

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit

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