Frequently Asked Questions
Compromised Debit Cards
What does it mean when FNB says a debit card may have been compromised?
A compromised card means that information, such as card number and name, may have been obtained by an unauthorized source. To be clear, FNB’s computer systems were not compromised. In most cases, the breach occurs at the location that accepts or processes debit and credit card transactions.
How does FNB react to compromise notifications?
First National Bank will reissue new cards to all affected cardholders. In most cases, each cardholder will be notified by phone of the compromise and issued new cards and PINs. FNB will also reduce the credit limit on the customer’s current card while leaving it open to use until the new card has arrived. In rare cases, we will be forced to close the affected cards immediately. Along with all FNB cards, cardholder activity is monitored 24 hours a day, 7 days a week to quickly identify and stop any questionable activity. If questionable activity is detected, the cardholder will be contacted by phone to either verify the activity or close the card if the activity is fraudulent.
How long does it take to receive a replacement card and PIN?
New cards should be received in 7 to 10 business days. PINs will be sent 2 days after the card. New cards will be sent to the address currently on file for your card. For this reason, it is important for FNB to have the most up-to-date address and phone number to avoid any delay in receiving your new card.
Does a compromise mean I have fraud on my account?
No. In most cases, few cards, if any, are affected by fraud during a compromise. Please monitor your monthly statements. Take advantage of our Online Banking so you may check your account daily.
What if I do not want to have my credit limit restricted or card blocked?
The decision to block or restrict a card is made at the discretion of FNB. In most cases, we will make every effort to accommodate our customers’ needs whenever possible. Please do not hesitate to contact our Customer Service department for assistance 217-229-3701.
What if I’m leaving for a trip before the new card arrives?
If this situation arises, please contact either FNB Customer Service or your branch to discuss your options.
How do I enroll in Online Banking?
To enroll in online banking, click on “enroll” under the Online Banking login on the home page. Fill out and submit the form via email. You will receive a letter from us in the postal mail within 3 business days.
What if I am having trouble logging into my Online Banking?
Please call 800-500-3621 and ask for Online Banking assistance. We will be happy to help you get logged into your accounts.
What are the requirements for Online Banking passwords?
To ensure the security of your online account information, FNB requires a complex online banking password. The rules for setting this password are as follows:
The system will force a password change every 90 days.
What is my Access ID?
When signing on for the first time, use your Social Security number (without hyphens) as the Access ID. During the set up process, you’ll be required to change the Access ID. It is important that you don’t leave it as your Social Security number. Your Access ID will not change after your initial login setup, and will be the first item entered when accessing Online Banking.
How do I correct my email address?
Log in to Online Banking and choose the Options tab. Click edit in the “change email address” section.
Can I register more than one PC?
Yes. If you frequently use more than one computer (one at work and one at home), you may register both machines.
What if I use a public computer?
You will be asked to answer one of the three challenge questions. The bank does not recommend that you register a computer that is accessible to the general public (libraries, internet cafes). If a public Wi-Fi connection does not require a password, it is not secure. Personal information transmitted across an unsecured Internet connection can be intercepted by anybody else sharing that connection.
What should I do if I plan to sell or give away my computer?
Please call 217-229-3701 and we will un-register your computer for you.
Questions? Please contact us. We’ll be happy to answer your questions or have a bank representative contact you.