Online Services

Online Banking

Online Banking gives you 24/7 access to information on your accounts and transactions. It also allows you to transfer funds between accounts and initiate stop payments. All you need is a personal computer connected to the Internet. This is a free service offered by the Bank. See Frequently Asked Questions for Online Banking

 

Click Here to Enroll for Online Banking

 

Online Cash Management

Online Cash Management expands the functionality of Online Banking for qualifying customers who need to initiate electronic (ACH) funds transactions, as in payroll direct deposit, or initiate wire transfers. This system also allows more control of access to accounts and functions where multiple personnel are involved, such as in a business environment. Please call the Bank (419-294-2351) for more information on this customized service which does involve fees.

 

Demo for Online Cash Management

 

Online Bill Pay with CheckFree

CheckFree Bill Pay allows you to have payments automatically deducted from your account on the date you choose, without writing a check or paying postage. There is no fee to use Online Bill Pay. Go to the Bank’s CheckFree website to initiate your account.

 

See Frequently Asked Questions for CheckFree Bill Pay

 

Click Here to enter FCNB CheckFree Bill Pay Website

 

Mycardstatement.com Credit Card Information Service

Mycardstatement.com is a website affiliated with VISA® that allows you to access your FCNB credit card balance, transactions and statements. This service is free of charge and involves a separate online account.

 

See Frequently Asked Questions on Mycardstatement.com

 

Click Here to enter Mycardstatement.com

 

Telephone Banking

Telephone Banking gives you 24/7 access to information on your accounts and transactions via your phone. It also allows to you transfer funds between accounts and initiate stop payments. All you need is your phone and your Telephone Banking PIN number which the bank will give you upon request. This is a free service offered by the Bank.

 

See Frequently Asked Questions for Telephone Banking

 

Frequently Asked Questions for Online Banking

1. What can I do with FCNB Online Banking?
 

Online Banking gives you the ability to:

  • Enroll and use the eStatement program to eliminate paper statements
  • View account balances on deposit and loan accounts
  • View transactions
  • Transfer funds between accounts including a loan payment
  • View Statements
  • View images of checks
  • Request stop payments
  • Export history of transactions to spreadsheet software
   
2. Is the information in Online Banking “real-time?”
  Deposits and withdrawals made with our tellers at any branch will normally be immediately visible in Online Banking. Debit card transactions will normally be visible on the next business day.
   
3. What do I need to use Online Banking?
  A personal computer (PC) with an Internet connection is necessary. Online Banking works well on most of today's browsers and must support 128-bit SSL encryption. If your browser does not support these encryption levels, you will need to update it.
   
4. Is it hard to learn? Do I need a training course to use it?
  The FCNB Online Banking system is designed using web application standards. If you are accustomed to using web applications, you can learn it on your own in a short time. If you need help, call the bank and we will walk you through it.
   
5. Is it secure?
  See our Security Statement. In many ways, using Online Banking is more secure than using regular mail. However, protection of your personal computer from misuse or intrusion is the customer’s responsibility. It is the customer’s responsibility to guard their password.
   
6. What do I have to do to get started?
  Use the “Enroll” link on our web site to give us the necessary information. Your registration instructions and initial password will be mailed to you in 2-3 working days.
   
7. Can I see a demo before I decide to enroll?
  Yes, there is a demo link on the Online Banking web site. Call the bank for further questions at 419-294-2351, toll-free 888-378-1860 – Option “0”
   
8. When I enroll, what do I agree to?
  Use the “Agreement” link on the web site to read your obligations as a user of Online Banking. You will see this agreement again before you use the system for the first time. When you register and first start using Online Banking, you are legally accepting this agreement without physically signing any paper contract.
   
9. Where can I get help?
 
  FCNB will gladly accept calls to help you use the functions of the Online Banking system (419-294-2351, toll-free 888-378-1860 – Option “0”). However, the bank cannot provide detailed professional advice, instructions, or physical assistance in setting up your personal computer or connecting it to the Internet.

 

Frequently Asked Questions for Online Bill Pay

1. What can I do with FCNB Online Bill Pay?
 

Online Bill Pay by CheckFree gives you the ability to:

  • Setup and track payments
  • Choose the date a payment will be made
  • Setup reminders for regular payments
  • Setup automatic payments for a set day each month
  • Avoid check and postage fees
   
2. What do I need to use Online Bill Pay?
  A personal computer (PC) with an Internet connection is necessary. Online Banking works well on most of today's browsers and must support 128-bit SSL encryption. If your browser does not support these encryption levels, you will need to update it.
   
3. Is it hard to learn? Do I need a training course to use it?
  If you are accustomed to using web applications, you can learn it on your own in a short time. If you need help, call the bank (419-294-2351, toll-free 888-378-1860 – Option “0”) and we will walk you through it, or use the CheckFree support line - 800-268-5652. However, the bank cannot provide detailed professional advice, instructions, or physical assistance in setting up your personal computer or connecting it to the Internet.
   
4. Is it secure?
  See the Security and Privacy Statement link on the CheckFree login page. CheckFree has pro-active monitoring of your account for suspicious activity. In many ways, using Online Bill Pay is more secure than using regular mail. However, protection of your personal computer from misuse or intrusion is the customer’s responsibility. This is a highly functional website for your bank accounts and therefore, your access password should be carefully controlled.
   
5. What do I have to do to get started?
  Go to the FCNB CheckFree Bill Pay Website. Select the “Enroll Me” button and follow the directions. Once enrolled you will be able to setup payees and make payments up to $400. You must complete the account number confirmation process before you will be allowed to pay higher amounts. Once enrolled, CheckFree will initiate small credits and a debit to your account to confirm that you have entered the account correctly. You must then enter the amount of these credits online to “confirm” that you have access to the account you entered.
   
6. How and when are my payments made?
  Payments will be deducted from the account you indicate either through a direct electronic funds payment (ACH) or through an intermediate check that is mailed to the payee by CheckFree. The choice of payment method depends on the relationship of the payee with the CheckFree Company and sometimes changes depending on the amount. Note: A direct electronic funds payment will be deducted from your account on the date you choose. However, a check issued on your behalf by CheckFree will be dated by your choice, but deducted from your account when cashed by the payee.
   
7. When I enroll, what do I agree to?
  See the “Terms and Conditions” link on the FCNB CheckFree Bill Pay Website to read your obligations as a user of Online Bill Pay.
   
8. More Questions?
  See the links on the FCNB CheckFree Bill Pay Website

 

Frequently Asked Questions for Mycardstatement.com

1. What can I do with Mycardstatement.com?
 

This website gives you the ability to:

  • Check your FCNB VISA® card balance
  • View transactions and past statements
  • Setup bill payments using your VISA® card
  • Setup alerts on your account that will be sent to your email or phone
   
2. What do I need to use Mycardstatement.com?
  A personal computer (PC) with an Internet connection is necessary. Online Banking works well on most of today's browsers and must support 128-bit SSL encryption. If your browser does not support these encryption levels, you will need to update it.
   
3. Is it hard to learn? Do I need a training course to use it?
  If you are accustomed to using web applications, you can learn it on your own in a short time. If you need help, call the bank (419-294-2351, toll-free 888-378-1860 – Option “0”) and we will walk you through it. You can also call the Mycardstatement.com support line (866-604-0380). However, the bank cannot provide detailed professional advice, instructions, or physical assistance in setting up your personal computer or connecting it to the Internet.
   
4. Is it secure?
  See the Security and Privacy Statement link in the Mycardstatement.com site. The website uses a multi-factor authentication system similar to that used in Online Banking. In many ways, using Mycardstatement.com is more secure than using regular mail. However, protection of your personal computer from misuse or intrusion is the customer’s responsibility. This is a highly functional website for your credit card account and therefore, your access password should be carefully controlled.
   
5. What do I have to do to get started?
  Go to the Mycardstatement.com website and choose the “Enroll Here” option. The website will require you to enter your credit card number and other personal information during the registration process.
   
6. When I enroll, what do I agree to?
  See the “Terms of Use” during the registration process. You must start the enrollment to see and agree to the Terms of Use.

 

Frequently Asked Questions for Telephone Banking

1. What can I do with Telephone Banking?
 

Telephone Banking gives you the ability to:

  • Hear account balances
  • Hear recent transactions
  • Transfer funds between accounts including a loan payment
   
2. What do I need to use Telephone Banking?
  A phone and a Bank supplied PIN number is necessary. You may change your PIN number using the system. The phone number is toll free – 888-378-1860.
   
3. Is it hard to learn? Do I need a training course to use it?
  The Telephone Banking system prompts you to select options via the phone number pad and is similar to other phone inquiry systems. If you have questions, call the bank (419-294-2351, toll-free 888-378-1860 – Option “0”).
   
4. Is it secure?
  In many ways, using Telephone Banking is more secure than using regular mail, or Online Banking. However, protection of your phone from misuse or intrusion is the customer’s responsibility. The customer is responsible for guarding their PIN number.
   
5. What do I have to do to get started?
  Stop by the bank to fill in a request form and the PIN will be mailed to you in 2-3 working days.

 

Online Banking Security Statement

The First Citizens National Bank (FCNB), Fiserv Inc., and Information Technology Inc. (ITI), require all of its divisions and companies to take proactive steps to ensure information security. This includes the provision of adequate security measures within software, networks, and computers to limit the possibility of unintended distribution of confidential information and the potential for fraud-related losses.

 

System Configuration and Security Updates – FCNB and Fiserv Inc. perform vulnerability tests to uncover security flaws and apply security updates as soon as possible.

 

Firewalls & Intrusion Detection - State of the art firewall technology provides a first line of defense in preventing unauthorized access to networks and systems housing confidential information. Networks and computer systems are monitored for unusual activity.

 

Authentication – The FCNB Online banking system utilizes widely accepted multifactor methods to properly identify the customer at log-in as follows:

 

An initial registration process assigns an image and then allows the customer to:

 

  1. Register the computer being used for future reference
  2. Select a pass phrase associated with the image to later identify the web site
  3. Select an Access ID which can be letters and numbers, is case sensitive, and must be at least 6 characters long.
  4. Select a strong password. (Passwords must be 7-17 characters using at least one upper case letter, one lower case letter, and one number.)
  5. Input answers to several challenge questions (such as, “What is your pet’s name?”).

 

At the log-in screen, the customer enters the access code which prompts the display of the private image and associated pass phrase indicating a valid web site. If the system recognizes the computer being used as previously registered, entry of the password completes the process.

 

If the computer is not recognized as registered, the additional challenge questions must be answered to complete the identification of the customer before the password is entered.

 

These authentication methods prevent the following types of security incidents:

 

Password Guessing and Theft: Even if someone acquires the customer’s account access ID and password, they cannot access your account unless they are using a registered computer or have additional private information.

 

Phishing: This term describes the use of an email that directs one to a bogus web site to trick a person into thinking they are entering confidential information into a valid site. People are often led to a bogus web site through an e-mail that impersonates an organization they know. The First Citizens Bank does not ask for confidential information through e-mails and the new web sites can be verified through the displayed picture and pass phrase that only the Bank’s security system knows about. Access ID and password alone will not allow entry into Online banking.

 

Pharming: This term describes the case where a hacker somehow takes control of the bank’s website address or otherwise replaces the site with one that collects confidential information for them. Again, if the security image (picture) is not displayed as expected, the customer should not proceed. (Note that only Online banking and cash management sites have this feature at present.)

 

Data Encryption - Included in this system is the capacity to allow only secure connections by end users. Utilizing Secure Socket Layer (SSL) technology, all transmissions of web pages and data between the financial institution and its customer are completely encrypted and are unreadable to any person or group trying to "intercept" the transmission. SSL encryption is the industry standard and is commonly used in Internet applications that require security and privacy for sensitive data.

 

Account Number Masking and Account Aliases - For security reasons, complete account number(s) never appear on the computer screen. When the account number needs to be displayed it appears as ###456789 instead of 123456789. Financial institutions have the flexibility to determine how many digits are "unmasked" and the masking will always occur from the left. Account "Aliases" are user-defined titles for the consumer's accounts (i.e., "My Checking") and is used when displaying account information on the screen.

 

Regardless of the efforts, the “open” nature of the Internet makes it impossible to guarantee absolute confidentiality in all circumstances. The Bank’s security features alone cannot prevent all types of attacks to your computer or all methods of information theft. Every personal computer should have firewall software that is properly configured as well as anti-virus and anti-spy ware software that is updated on a regular basis. Unusual activity on the computer or severe performance problems should be checked out by a professional technician. Operating system updates should be installed when available. Unusual observations on web sites should be reported immediately.

 

The First Citizens National Bank continues to monitor and review the security procedures that it has in place to protect customer information. These measures are updated as practices change and new technology becomes available.

 

Home Computer Security Guidelines

 

While reputable companies that you deal with are working hard on their computers, networks and web sites to protect your data and identity, your own computer at home may be the most vulnerable link in the chain. The following are suggestions from multiple sources including Microsoft. Some of them will cost time and money, but the alternative costs are much greater. Security is sometimes a tradeoff with convenience, but you should try to make sure you aren’t trading security for convenience you never need or use.

 

  1. Establish a source of professional help and budget some funds to use that help for setup and when “weird” things are happening to your computer. Be wary of weekend computer geeks. They may get it to work, but not set it up in the most secure way. Ask your professional if he has any certifications from Microsoft or other well known companies, especially regarding security.
  2. Keep your computer software up-to-date, especially the operating system including the web browser (usually Microsoft Windows with Internet Explorer). Microsoft is constantly developing fixes to security holes in their latest software. Hackers are constantly trying to find the holes and use them to steal from you. Microsoft will not necessarily fix security problems in older operating systems (e.g., Windows98). As of January 2007, you should be using Windows XP Service Pack 2 with at least Internet Explorer version 6. You should be using the feature whereby you get automatic notification and downloads from Microsoft (through the Internet) of security fixes. When you are asked to install these fixes, do not delay.
  3. Use firewall software and make sure it is configured to block any types of communication to or from your computer that are not needed for normal day-to-day operation. Most firewall software will ask you if a blocked communication can be allowed temporarily. It is better to take the time to be asked for clearance and know what’s going on, than to just allow all types and manner of communication. The firewall can also be used to shut down communications to the internet when not needed. Microsoft now provides firewall capability within Windows, but some other software may be easier to use. The software will normally guide you in the configuration of the firewall, but it may ask you questions that only a professional can help you with.
  4. Secure your internet browser software to block certain types of features that you do not need all the time. Hackers often use the most sophisticated features of the internet for an attack, but you may not need these features and can frustrate them by turning them off. Microsoft continues to refine their Internet Explorer to help you configure it for your needs.
  5. Install anti-virus and anti-spyware software and keep it up-to-date. Too many mistakenly believe that anti-virus software will block anything harmful. In fact, it will only block certain types of attacks after they are known and the software has been updated with an antidote. Spyware is becoming more of a threat and only some anti-virus software includes anti-spyware features. You could accidentally ask for Spyware to be loaded onto your computer. Many of today’s attacks are initially stopped by an up-to-date operating system, with a well configured firewall and browser. However, anti-virus software is still very important along with anti-spyware.
  6. Choose your web sites wisely and be cautious of free downloads. If a web site asks you to enter confidential information, make sure you are dealing with a reputable company in the way they normally operate. Very few, if any, financial institutions will ask you to enter account information, passwords, or social security numbers without a secondary type of notification in the mail that it is required. If in doubt, get off the site and call the institution. Spyware often comes along with free downloads. Even if the download appears to be from a known reputable company, read the fine print of the license agreement which may admit that you are agreeing to be spied upon.
  7. Watch out for phishing. Phishing can take the form of fraudulent e-mail that asks you to enter confidential information into a web site. It can also take the form of a telephone call asking for information. Microsoft and other companies are now offering some web site filtering that can detect some fraudulent web sites. This is a developing area that all computer users should track.
  8. Consider shutting down the internet connection when not in use. Hackers cannot attack without the internet connection. Most dial-up users hang up when the connection is not needed, but it is too convenient for broad-band (such as DSL or Cable) users to leave the connection live all the time. The connection can be broken in a number of ways including shutting down the computer and using the firewall to “block all.’ Disconnecting wiring may cause an error to be reported to your provider.
  9. Read and ask questions about security. Follow the recommendations of any reputable companies that provide you web sites. Read their statements on security and privacy asking questions until you are comfortable. Technology changes rapidly and you may need to react quickly to a new type of threat. You don’t want to find out about a potential security problem the day after it affects you.

 

The First Citizens National Bank
Online (Internet) Banking Agreement and Disclosure

 

Welcome to The First Citizens National Bank Online Banking!

 

This Online (Internet) Banking Agreement and Disclosure (“the Agreement") explains the terms and conditions governing the basic Online Banking services and bill pay services offered by The First Citizens National Bank (the Bank). All Online Banking services of any kind whatsoever offered or afforded by the Bank will be referred to collectively as “Online Banking Services” in this Agreement. As used in this Agreement, the terms “you” and “your” refer to each person signing or accepting an Online Banking Enrollment Application. The term “Business Day” means all days except Saturday, Sunday, and all banking holidays.

 

THIS IS A BINDING LEGAL DOCUMENT THAT INVOLVES LEGAL RIGHTS AND REMEDIES FOR YOU AND THE FIRST CITIZENS NATIONAL BANK. BY CHOOSING TO SIGN BELOW OR BY CHOOSING "ACCEPT" ON THE WEBSITE, YOU ARE AGREEING TO BE BOUND BY THIS AGREEMENT FOR THE ACCESS TO AND USE OF THE FIRST CITIZENS NATIONAL BANK ONLINE BANKING WEBSITE. IF, AT ANY TIME, YOU ARE NOT SATISFIED WITH THE FIRST CITIZENS NATIONAL BANK WEBSITE, NOTIFY THE FIRST CITIZENS NATIONAL BANK IN WRITING OR CALL THE BANK. THESE TERMS AND CONDITIONS BECOME A BINDING LEGAL CONTRACT OBLIGATION. IF YOU ARE USING THIS WEBSITE ON BEHALF OF YOUR EMPLOYER, YOU WARRANT AND REPRESENT THAT YOU ARE AUTHORIZED AND EMPOWERED TO REVIEW AND ACCEPT THIS AGREEMENT ON BEHALF OF YOUR EMPLOYER ORGANIZATION.

 

The Internet web site for The First Citizens National Bank Online Banking is located at www.firstcitizensnational.com. By using The First Citizens National Bank Online Banking, you will have access to your account information 24 hours a day, 7 days a week. You can check your deposit and loan account balances and activity, make transfers of funds, make loan payments, and arrange bill payments through the Bill Payment Service.

 

Agreement
All Online Banking Services are governed by this Agreement, all applicable federal regulatory disclosures, and the Deposit Account Terms and Conditions. By using any of the Online Banking Services and conducting transactions, you agree to abide by the terms and conditions of this Agreement, and any subsequent amendments. You authorize the Bank to use any of your accounts to execute and settle transactions and/or fees initiated by using the Online Banking Services. We have the right to change this Agreement and the terms and conditions governing the Online Banking Services offered. We will provide notice to you of any subsequent amendments by mail at the last known address shown on our records for you.

 

Acceptance of Agreement
Your initial use of any Online Banking Services in connection with your account at the Bank constitutes your acceptance and agreement to be bound by all of the terms and conditions of this Agreement and of the Deposit Account Terms and Conditions. Please read this Agreement carefully. You may want to print a copy for future reference. If you would like a current copy of the Deposit Account Terms and Conditions, please contact us by e-mail or telephone.

 

The Bank may, from time to time, introduce new Online Banking Services. By using those services when they become available, you agree to be bound by the terms contained in this Agreement, and its subsequent amendments.

 

Payments, Transfers, and Account Activity
Through Online Banking, you can review and download information on your checking, savings, certificate of deposit, and loan accounts to:

 

  • Get balances on your accounts
  • Get account activity for the last sixty (60) days
  • View transactions and check images.
  • Transfer funds from checking to savings accounts
  • Transfer funds from savings to checking accounts
  • Make a payment from your checking or savings account to a loan account

 

By subscribing to our Bill Payment service, you can schedule bill payments through The First Citizens National Bank Online Banking. Refer to the information in our Bill Payment Service section.

 

Transactions initiated on The First Citizens National Bank Online Banking are Electronic Fund Transfers. Please refer to our “Understanding Your Deposit Account” brochure for details on Electronic Fund Transfer Rights and Responsibilities. Please contact us by e-mail or telephone to request a current copy of our “Understanding Your Deposit Account” brochure with the details on Electronic Fund Transfer Rights and Responsibilities.

 

Transaction Limitations
Your ability to initiate transactions between deposit accounts may be limited by federal law or by the terms of your deposit agreement with us. Bank transfers from deposit accounts that are savings or money market savings account are limited by federal regulations as follows:

 

Transfers from Savings Accounts or Money Market Savings Accounts to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six (6) per monthly statement cycle with no more than three by check, draft, or similar order to third parties.

 

Bill Payment Service
The Bill Payment service allows you to schedule bill payments through The First Citizens National Bank Online Banking. You must complete a separate Enrollment Form to subscribe to this service. The Bank does not provide the service directly. Instead, the Bank entered into an agreement with a bill payment provider to provide the bill payment services directly to you. A bill payment account (“Bill Payment Account”), separate from any account you hold at the Bank, is established at the Bill Payment provider.

 

The Bank and its Bill Payment provider reserve the right, at their discretion, to implement security features to reduce the risk of loss. These may include requiring pre-authorized drafts, verifying funds through an ATM network, and separating debits from credits so that payments are not sent until after good funds are received. The Bank and its Bill Payment provider also reserve the right to terminate your use of Bill Payment Services at any time.

 

Information Security
We are strongly committed to protecting the security and confidentiality of our customer account information. We use several techniques to help secure our Online Banking Services including the following:

 

  • You can only access The First Citizens National Bank Online Banking with certain browsers that have a high security standard.
  • Security images and pass phrases are used to identify the web site.
  • Your account numbers may or may not be displayed in full. Either the last four digits can be viewed or the entire account number may be displayed with Cash Management Online Banking.
  • You must have a valid Access (User) ID and Password to log on.
  • Additional security questions will be prompted for when using a non-registered computer.
  • If no action is taken for 10 minutes, you will be automatically logged off the Online Banking Service.
  • All passwords must be changed when logging into Online Banking the first time. Passwords will expire after 90 days.

 

Despite the security techniques we have put into place, the Internet is a public network, subject to all of the risks to security and data corruption attendant thereto. You agree that we are not responsible for unauthorized access to or misuse of your account or property by unauthorized persons, except as provided in this Agreement, or for data corruption caused by Internet communications. You agree to make no attempt to access or use any account belonging to others. We may terminate your access and use of any The First Citizens National Bank website if we believe your access or use is infringing any rights of others.

 

System Requirements
To access The First Citizens National Bank Online Banking, you must have a personal computer equipped with a modem and a compatible web browser software and 128-bit data encryption capability. Compatible browser software includes, but is not limited to Microsoft Internet Explorer and Mozilla Firefox, most recent versions. In addition to a compatible software browser, you must enroll with the Bank and have been issued an “Initial Online Password”.

 

We do not charge for our Online Banking product except for the specific activities outlined below.

 

Stop Payment $31.93

 

In the event your payment account has insufficient funds to cover any fees, the Bank may deduct the fees from any other account you have at the Bank in any order it chooses. You are solely responsible for any telephone or Internet service provider charges incurred by you in accessing our Online Banking Services.

 

Access (User) ID and Password
Your Online Banking Access ID and Password will give you access to your accounts at the Bank via The First Citizens National Bank Online Banking. (Further identity information may be required if the PC being used has not been previously registered.) You will receive an “Initial Online Password” in a separate mailing upon enrollment. After your initial registration log on, you are required to choose an Access (User) ID and Password. You can change your Password at any time. Your access to The First Citizens National Bank Online Banking will be blocked in the event your Access (User) ID or Password is entered incorrectly on three consecutive access attempts. If this occurs, please contact The First Citizens National Bank at 419-294-2351 or toll free at 888-378-1860.

 

The Bank is entitled to act upon instructions received through any Online Banking Service using your Access (User) ID, Password, and other identifiers such as PC registration and answers to personal information questions, without further inquiring into the identity of the person using the identifiers. You should not, under any circumstances, disclose your Access (User) ID, Password, or other identifiers, by telephone or any other means to any person you do not trust. You acknowledge no person from the Bank has a need for, or will ever ask for your Password or other identifiers used to identify you for login to the system unless a call has been initiated by you. You should never provide your Password or other identifiers used for system login to anyone, including anyone claiming to represent the Bank. You are liable for all transactions made or authorized using your Access (User) ID and Password.

 

Protecting your Access (User) ID and Password
You agree that if you give your Access (User) ID and Password to anyone or fail to safeguard its secrecy, you do so at your own risk since anyone with your Access (User) ID and Password may gain access to your accounts. You agree to notify the Bank immediately in the event your Access (User) ID and Password is stolen or is otherwise compromised. At any time, you may ask the Bank to disable your Access (User) ID.

 

For joint accounts, each person may have a separate Access (User) ID and Password, or each may use a joint Access (User) ID and Password. Each person on a joint account will be liable for all transactions that are made on the account. Each person on a joint account authorizes all transactions made by any other person on the account. Each person on a joint account agrees to be liable for the action of the other person(s) on the account.

 

Indemnity to the Bank
You hereby indemnify and release the Bank from any and all liability. You further agree not to make any claim against the Bank or bring any action against the Bank for honoring or allowing any actions or transactions where you have authorized the person performing the action or transaction to use your account or when you have provided your Access (User) ID and Password to that person. You agree to reimburse the Bank for any losses it suffers or any damages, injuries, costs, or expenses it incurs (including attorney’s fees) as a result of the Bank’s honoring or allowing transactions on the account where your Access (User) ID and Password was used.

 

Accessibility
The Internet web site for The First Citizens National Bank Online Banking is located at www.firstcitizensnational.com. You can normally access The First Citizens National Bank Online Banking seven (7) days a week, 24 hours a day. However, at certain times, some or all of The First Citizens National Bank Online Banking may not be available due to system maintenance or reasons beyond the Bank’s control. The Bank does not warrant that The First Citizens National Bank Online Banking will be available at all times. When unavailable, you may use Telephone Banking, our telephone banking system, an automated teller machine (ATM), or any Bank branch banking center to conduct your transactions.

 

Funds Availability and Transfers
For determining the availability of funds in your Deposit Accounts, every day is a business day, except Saturdays, Sundays, and federal holidays. A transfer initiated through The First Citizens National Bank Online Banking on or before 6:00 PM Eastern Time on a business day is normally posted on the same business day. However, The First Citizens National Bank Online Banking transfer initiated after 6:00 PM Eastern Time on a business day would be posted on the next day. Transferred funds will be available for withdrawal on the business day The First Citizens National Bank Online Banking transfer was posted.

 

Unauthorized or Erroneous Transactions 
You have certain rights and liabilities in instances where you believe 1) your Access (User) ID and Password have been stolen; 2) that someone has transferred or may transfer money from your accounts without your permission; 3) your statement reflects transfers that you did not make; or 4) there is an error on your account. In all of these instances, to ensure timely notice to the Bank and expedite resolution of any problems or questions, please contact us by writing or calling:

 

THE FIRST CITIZENS NATIONAL BANK
100 N Sandusky Ave
PO BOX 299
Upper Sandusky, OH 43351
Business Days: Monday through Friday
Excluding Federal Holidays
Phone: (419) 294-2351

 

You may also contact us by sending an electronic mail message to us at fcnb@udata.com.

 

Information about your rights and responsibilities are defined in our “Understanding Your Deposit Account” brochure under the Electronic Fund Transfers Your Rights and Responsibilities section. Please contact us by email or telephone to request a current copy of “Understanding Your Deposit Account” brochure with the details on Electronic Fund Transfer rights and responsibilities.

 

Responsibility
Neither the Bank nor its suppliers will be liable for any transaction if (1) you do not have enough money in your account to complete the transaction; (2) a legal order prohibits withdrawals from your account; (3) your account is closed or has been frozen; (4) the transaction would cause your balance to go over the credit limit for any credit arrangement set up to cover overdrafts; (5) you, or anyone you allow, commits fraud or violates any law or regulation in connection with Online Banking; (6) any electronic terminal, telecommunication device or part of the electronic fund transfer system is not working properly; (7) you did not provide us with complete and correct payment or transfer information; (8) you did not properly follow the instructions for use of Online Banking; (9) you knew that The First Citizens National Bank Online Banking was not operating properly at the time you initiated the transaction or payment; (10) there is postal delay; or (11) circumstances beyond our control (such as fire, flood, or improper transmission or handling by a third party) that prevent, hinder or delay the transaction.

 

Electronic Mail (E-mail)
Sending e-mail is a very good way to communicate with the Bank regarding your accounts. However, your e-mail is normally sent via your own software and, as a result, is not secure. Because of this, you should not include confidential information, such as account numbers and balances in any unsecured e-mail to the Bank.

 

You cannot use e-mail to initiate The First Citizens National Bank Online Banking transactions. All such transactions must be initiated using appropriate functions within The First Citizens National Bank Online Banking site. The Bank will not be liable for any errors, omissions, claims, or problems of any kind involving your e-mail.

 

Inactivity
We reserve the right to discontinue your use of The First Citizens National Bank Online Banking if you have not accessed it in the last 90 days. Your Access (User) ID and Password will be disabled.

 

Personal Computer Security Maintenance
As a user of the Internet, you must take responsibility for maintaining the security configuration of your computer .This includes 1) the proper configuration and usage of the operating system, firewall, and browser software 2) the installation of software security updates for the operating system and browser, and 3) installation and updating of anti-virus and spyware software. The First Citizens National Bank is not responsible for the consequences should the customer PC be attacked through the Internet by a worm, virus, or other software intended to do harm.

 

Restrictions
You may not appropriate any information or material that violates any copyright, trademark, or other proprietary or intellectual property rights of any person or entity while using The First Citizens National Bank Online Banking. You may not gain, or attempt to gain, access to The First Citizens National Bank Online server, network or data specifically permitted to you by the Bank or its suppliers, and you must not include any obscene, libelous, scandalous, or defamatory content in any communications with the Bank or its suppliers.

 

Agreement Modification and Termination
The Bank has the right to modify or terminate this Agreement or the Deposit Account Terms and Conditions at any time, for any reason without prior notice. When making any changes, the Bank will comply with all legal notice requirements. If this Agreement is modified, your continued use of the Online Banking Services will represent your acceptance of the changes.

 

You may terminate your use of The First Citizens National Bank Online Banking at any time by doing the following:

 

  • Calling The First Citizens National Bank E-Bank Administrator at 419-294-2351, or toll free at 888-378-1860.
  • Writing to the E-Bank Administrator at The First Citizens National Bank, PO Box 299, Upper Sandusky, OH 43351.
  • Sending an electronic mail message to us through The First Citizens National Bank Online Banking.

 

Once this Agreement is terminated, the Bank will not allow any additional transactions on the account(s), nor will additional Online Banking Services be permitted.

 

If all of your accounts accessible through The First Citizens National Bank Online Banking are closed, access to The First Citizens National Bank Online Banking will be terminated automatically.

 

Termination of this agreement will not affect your liability or obligation for transfers processed by the Bank on your behalf.