Use the menu below to locate the FAQ page that will assist you. If you need further assistance, contact a local FNB branch or use the FNB on-line form.
Debit Cards
What will I need to do before I can begin using my First National Bank MasterCard Debit Card?
Your debit card will come with activation directions. If you need further support please contact your local Branch.
Your debit card will come with activation directions. If you need further support please contact your local Branch.
My First National Bank Debit Card has a MasterCard logo on the front. What does this mean?
The logo on your card means that it is accepted at millions of locations around the work that accept MasterCard, in place of cash or checks. Your card is a debit card, which means the funds come from your checking account instead of a credit line. The MasterCard logo means you have more protection. It also means it is the network we use to process transactions.
The logo on your card means that it is accepted at millions of locations around the work that accept MasterCard, in place of cash or checks. Your card is a debit card, which means the funds come from your checking account instead of a credit line. The MasterCard logo means you have more protection. It also means it is the network we use to process transactions.
What is a non-PIN purchase?
Any transaction that does not require you to enter your PIN is considered a non-PIN purchase. They are also known as ‘Credit’ or ‘Signature-based’ transactions. These transactions are processed by MasterCard but are still deducted directly from your checking account.
Any transaction that does not require you to enter your PIN is considered a non-PIN purchase. They are also known as ‘Credit’ or ‘Signature-based’ transactions. These transactions are processed by MasterCard but are still deducted directly from your checking account.
When I swipe my card at a merchant, which button should I press – “credit or debit”?
Use the credit button when using your card. You have more protection against fraud should something happen to your MasterCard card, such it becoming compromised. PIN-based or “debit” transactions do not fall within the Zero Liability areas.
Use the credit button when using your card. You have more protection against fraud should something happen to your MasterCard card, such it becoming compromised. PIN-based or “debit” transactions do not fall within the Zero Liability areas.
Does my card have daily purchase limits or cash withdrawal limits?
Yes. To help reduce the risk of fraud and funds that may be withdrawn from your account, the Signature-Based “credit” purchase limit is $1000.00 per day and the PIN-Based “debit” purchase limit is $510.00 per day. Please contact your branch if you need to temporarily use your card for higher purchase amounts.
Yes. To help reduce the risk of fraud and funds that may be withdrawn from your account, the Signature-Based “credit” purchase limit is $1000.00 per day and the PIN-Based “debit” purchase limit is $510.00 per day. Please contact your branch if you need to temporarily use your card for higher purchase amounts.
Can I pay bills with my First National Bank debit card?
Yes. You can use your debit card to pay any bills that accepts MasterCard. Your bill payer may be able to set up ongoing scheduled payments also.
Yes. You can use your debit card to pay any bills that accepts MasterCard. Your bill payer may be able to set up ongoing scheduled payments also.
How do I keep track of my purchases I make with my debit card?
You should always keep your receipt for posting record. Make sure any entries you make post to your account for the correct amounts and only post one time. You can track all your purchases daily by enrolling on FNBOnline.
You should always keep your receipt for posting record. Make sure any entries you make post to your account for the correct amounts and only post one time. You can track all your purchases daily by enrolling on FNBOnline.
Can someone use one of my receipts to access my account?
No, they should not be able to. Purchase receipts should only display the last four digits of your card number. So if someone finds one of your receipts, they won’t have enough information to access your account. If you notice any receipts that contain more card information, immediately notify the bank and provide us a copy of the receipt so the merchant is notified by MasterCard.
No, they should not be able to. Purchase receipts should only display the last four digits of your card number. So if someone finds one of your receipts, they won’t have enough information to access your account. If you notice any receipts that contain more card information, immediately notify the bank and provide us a copy of the receipt so the merchant is notified by MasterCard.
How can I dispute a charge on my account?
If you allowed the merchant the debit your account, you must first contact the company that made the charge and ask them to reverse the entry. Please keep track of the date, time, person you speak with and the response they give you. A merchant has 30 days to provide you with credit from the time you call them. If you do not receive credit after 30 days, you may visit your local branch and file a dispute. You must bring with you paper documentation of all the contacts you made with the merchant. If the entry was never authorized by you, please visit your local branch and complete a dispute form. Your debit card will be ‘hot-carded’ for fraudulent activity so you will need to complete an application for a replacement card. Credit is passed to your account within 1-3 days after completing your dispute. First National Bank has 45 business days to research the transaction. If the transaction is found to be valid or the merchant passes credit within that time, the bank will debit the money back out of your account.
If you allowed the merchant the debit your account, you must first contact the company that made the charge and ask them to reverse the entry. Please keep track of the date, time, person you speak with and the response they give you. A merchant has 30 days to provide you with credit from the time you call them. If you do not receive credit after 30 days, you may visit your local branch and file a dispute. You must bring with you paper documentation of all the contacts you made with the merchant. If the entry was never authorized by you, please visit your local branch and complete a dispute form. Your debit card will be ‘hot-carded’ for fraudulent activity so you will need to complete an application for a replacement card. Credit is passed to your account within 1-3 days after completing your dispute. First National Bank has 45 business days to research the transaction. If the transaction is found to be valid or the merchant passes credit within that time, the bank will debit the money back out of your account.
What are temporary authorizations and what types of merchants generally use them?
A temporary authorization occurs when a merchant tests to confirm that your credit card account is valid and/or has sufficient Available Credit. Gas stations, restaurants, hotels, car rental agencies, and airlines commonly use temporary authorizations because the card information is often provided before the final transaction amount is known. Please note that this list is not all-inclusive; temporary authorizations are a common merchant practice. Examples include $1.00 for gasoline "Pay at the Pump" purchases and hotel reservation amounts.
A temporary authorization occurs when a merchant tests to confirm that your credit card account is valid and/or has sufficient Available Credit. Gas stations, restaurants, hotels, car rental agencies, and airlines commonly use temporary authorizations because the card information is often provided before the final transaction amount is known. Please note that this list is not all-inclusive; temporary authorizations are a common merchant practice. Examples include $1.00 for gasoline "Pay at the Pump" purchases and hotel reservation amounts.
Why doesn't the temporary authorization amount match my receipt?
Gas stations, restaurants, hotels, car rental agencies, and airlines commonly use temporary authorizations because the card information is provided before the final transaction amount is known. Once the actual transaction amount is determined and posted to your account, the temporary authorization will be removed in full.
Gas stations, restaurants, hotels, car rental agencies, and airlines commonly use temporary authorizations because the card information is provided before the final transaction amount is known. Once the actual transaction amount is determined and posted to your account, the temporary authorization will be removed in full.
How does a temporary authorization affect my account balance and credit line?
Temporary authorizations are deducted from your available credit only; they are not included in the account balance. The charge will be included in your account balance when the actual transaction amount is determined and posted to your account.
Temporary authorizations are deducted from your available credit only; they are not included in the account balance. The charge will be included in your account balance when the actual transaction amount is determined and posted to your account.
How long will temporary authorizations remain on my account?
Temporary authorizations can remain on your account for up to 5 days. In the event of an error, only the merchant can remove the authorization by providing an indemnity release to the bank.
Temporary authorizations can remain on your account for up to 5 days. In the event of an error, only the merchant can remove the authorization by providing an indemnity release to the bank.
Can I dispute a temporary authorization?
Because temporary authorizations are subject to change pending the final transaction amount, you are unable to dispute them. You must wait for the actual transaction to post to your account. It is not necessary to call regarding a temporary authorization unless you know that your card, cash advance checks, and account number have not been used for any reason.
Because temporary authorizations are subject to change pending the final transaction amount, you are unable to dispute them. You must wait for the actual transaction to post to your account. It is not necessary to call regarding a temporary authorization unless you know that your card, cash advance checks, and account number have not been used for any reason.
Why does the temporary authorization appear twice for the same transaction?
If a temporary authorization appears twice, it does not necessarily mean the account will be billed twice. It is possible that the authorizations will post as one charge for the final transaction amount. If two charges for a similar amount from the same merchant appear on your statement in error, you will be able to initiate a dispute.
If a temporary authorization appears twice, it does not necessarily mean the account will be billed twice. It is possible that the authorizations will post as one charge for the final transaction amount. If two charges for a similar amount from the same merchant appear on your statement in error, you will be able to initiate a dispute.
Bill Pay
What is Bill pay?
Bill pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment and which account you want the payment to come from. It's safe, secure and easy to use.
Bill pay is a service that allows you to pay virtually anyone or any company through your online banking account. You determine who you want to pay, when you want to make the payment and which account you want the payment to come from. It's safe, secure and easy to use.
Who can I pay with Bill pay?
You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills or credit cards, or individuals such as a landlord, babysitter or relative.
You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. For example, you can pay utilities, cable bills or credit cards, or individuals such as a landlord, babysitter or relative.
How do I enroll in Bill pay?
It’s easy to enroll in Bill pay. Just log in to your account and click the "Bill Pay" link to access the short enrollment form.
It’s easy to enroll in Bill pay. Just log in to your account and click the "Bill Pay" link to access the short enrollment form.
How do I start using Bill pay?
The first step is to add a payee, the person or company you wish to pay. Here’s how easy it is:
The first step is to add a payee, the person or company you wish to pay. Here’s how easy it is:
- Log in to your account and click the "Bill Pay" link.
- Click the "Add a Payee" button on your home page dashboard.
- Enter the requested information. Typically this information can be found on your latest bill statement.
Once you add your payee, you can start making payments in seconds.
How do I make payments with Bill pay?
- Find your payee on the payments dashboard.
- Enter the payment amount and date, then submit.
How are online payments delivered?
Payments are sent one of two ways—electronically or by paper checks. The majority of payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks that are mailed via the U.S. Postal Service.
Is Bill pay secure?
Paying bills online is one of the safest ways to pay your bills. Bill pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases your privacy because only you can access your account information, account numbers and payment history. As a result, you maintain tighter control of your account with real-time access to your payments activity.
How long does it take before my payment is received?
Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check.
Generally, your payment is received within 2 to 7 days, depending on whether or not it is sent electronically or via paper check.
How are the scheduled payments processed with Bill pay?
Most scheduled payments are sent electronically and funds are withdrawn from your account on the payment date.
What are the primary benefits of Bill pay?
Here's a quick list of the many ways you can benefit from using Bill pay.
Here's a quick list of the many ways you can benefit from using Bill pay.
- Save time. With Bill pay, you can receive and pay your bills online, all in one place. That means no more visiting multiple websites to pay bills or trips to the post office to mail checks. In addition, smart features such as recurring payments allow you to automate regular bill payments.
- Save money. Paying bills online saves on postage, envelopes, late fees and checks. If you pay just 10 bills per month, you can easily save over $110.00* per year.
- Stay organized. Your payment history is stored in your online account, so you won't have to sort through paper receipts or visit multiple websites to access past transactions.
- Gain peace of mind. Paying bills electronically means no risk of mailed checks getting lost or stolen. Plus, you can stop worrying about missing a bill payment when you set up reminders and automated recurring payments.
- Help the environment by saving paper. With Bill pay, there are no checks to write or envelopes to mail. That's good news for you and the environment.
*Savings are approximate and based upon the average annual cost of stamps, envelopes and checks required for paying 10 bills per month.
What is eBill?
eBill is a feature that allows you to receive and pay electronic versions of paper bills directly from your Bill pay account.
eBill is a feature that allows you to receive and pay electronic versions of paper bills directly from your Bill pay account.
How do eBills work?
eBills are delivered directly to your Bill pay account. Once you set up an individual eBill for a company you do business with, an eBill comes directly from that payee to your account. Examples of businesses that offer eBills are cable service providers, phone service providers, utility providers and credit card companies.
Will I still receive paper statements when I have eBill?
You may continue to receive paper statements for the next 2 or 3 billing cycles. Contact your payee for more details on their paper statement policy.
You may continue to receive paper statements for the next 2 or 3 billing cycles. Contact your payee for more details on their paper statement policy.
How will I know if eBill is available for a payee?
If a payee offers eBill, there will be a “Set up eBill” link next to their listing on your Bill pay dashboard. If you are receiving eBill summaries from your payee and full bill statements become available, you will see a button that reads “Request eBill PDF”
If a payee offers eBill, there will be a “Set up eBill” link next to their listing on your Bill pay dashboard. If you are receiving eBill summaries from your payee and full bill statements become available, you will see a button that reads “Request eBill PDF”
What are the primary benefits of eBill?
With eBill, everything you need is in one convenient location. Using eBill allows you to streamline your bill pay routine and have online access to your bills. That means you won't have to keep track of paper bills. In addition, you can view past bill statements at a glance.
With eBill, everything you need is in one convenient location. Using eBill allows you to streamline your bill pay routine and have online access to your bills. That means you won't have to keep track of paper bills. In addition, you can view past bill statements at a glance.
What information is included in an eBill?
If available for your payee, your full bill statement will be delivered to your account. That means you can view all statement information, including transactions, payment history, credits, and more. If full eBill details are not available for your payee, you will receive a summary eBill statement that includes balance due, due date and minimum payment amount.
If available for your payee, your full bill statement will be delivered to your account. That means you can view all statement information, including transactions, payment history, credits, and more. If full eBill details are not available for your payee, you will receive a summary eBill statement that includes balance due, due date and minimum payment amount.
How do I pay an eBill?
To pay an eBill, simply choose the account you want to pay from, enter the amount you want to pay and schedule when you want the payment delivered.
To pay an eBill, simply choose the account you want to pay from, enter the amount you want to pay and schedule when you want the payment delivered.
How do I know when I have received an eBill?
You can sign up to receive an electronic notice to alert you when an eBill has been delivered to your account. You can receive these notices in the form of emails or text alerts to provide an extra reminder when a payment is due.
You can sign up to receive an electronic notice to alert you when an eBill has been delivered to your account. You can receive these notices in the form of emails or text alerts to provide an extra reminder when a payment is due.
Business NetPay
What is business online bill pay?
It’s a service from that streamlines the back-office functions of your small business and allows you to make payments to virtually any individual or company through your online banking account.
It’s a service from that streamlines the back-office functions of your small business and allows you to make payments to virtually any individual or company through your online banking account.
Why is business online bill pay better than personal bill pay?
Business online bill pay was designed specifically to meet the needs of today’s small businesses. In addition to making payments, you can run customized reports, delegate tasks and set permission controls. It all adds up to give you more resources you need and more time to focus on your business.
Who can I pay with business online bill pay?
You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. Examples include utilities, office supply bills, consultants or independent contractors.
You can pay virtually any business or individual with a mailing address within the United States and Puerto Rico. Examples include utilities, office supply bills, consultants or independent contractors.
How are online payments delivered?
Most payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks mailed via the U.S. Postal Service.
Most payments are delivered electronically. Your payment information, such as your account number, is sent via secure transmission. All other payments are made by paper checks mailed via the U.S. Postal Service.
Is business online bill pay secure?
It’s one of the safest ways for your business to pay bills. business online bill pay helps guard against identity theft from lost or stolen checkbooks, bills and statements. It also increases privacy because only you can access your account information, account numbers and payment history.
How long does it take before a payment is received?
Generally, your payment is received within two to seven days, depending on whether it is sent electronically or via paper check.
Generally, your payment is received within two to seven days, depending on whether it is sent electronically or via paper check.
How are the scheduled payments processed with business online bill pay? Most scheduled payments are sent electronically and funds are withdrawn from your account on the payment date.
What are the primary benefits of business online bill pay?
The major benefits are true control and total convenience for you. This means you’ll be able to:
- Pay your business’s bills and view payment activity anytime, anywhere
- Delegate the payment responsibilities you want to
- Set permission controls so you maintain the final say
- Quickly run customized reports with the information your business needs
- Reduce your paperwork and bookkeeping
- Maintain more control over cash flow
- Increase your security over mailing checks
How do I enroll for business online bill pay?
Log into your FNBOnline Bank account. Click on the Cash Management link. Select Bill pay link and enroll.
How do I start using business online bill pay?
First, you need to enroll to activate your business online bill pay account. If you haven't enrolled, please follow the instructions shown above.
If you have enrolled, you can set up payees and start making payments in a few easy steps:
- Go to the “Payees” tab
- Click “Add a Payee”
- Choose to add a company, individual, or bank or credit union
- Complete form by providing requested information about payee and click “submit payee“
- Then click “schedule a payment to this payee”
Making Bill Payments
Does business online bill pay have Quicken/QuickBooks integration?
Yes. You can import payees from Quicken or QuickBooks directly into your business online bill pay account.
Can I set up recurring payments?
Business online bill pay allows you to set up recurring payments for bills that are consistent every month. Examples include insurance payments, contractual payments or your office lease.
Business online bill pay allows you to set up recurring payments for bills that are consistent every month. Examples include insurance payments, contractual payments or your office lease.
Can I pay multiple invoices at once?
Absolutely. With extended remittance you can send a single payment for multiple invoices from a single vendor. Delegating tasks and setting permission controls
Absolutely. With extended remittance you can send a single payment for multiple invoices from a single vendor. Delegating tasks and setting permission controls
Tasks and Permissions
What kinds of payment responsibilities can I delegate?
You can delegate the payment responsibilities you want, such as paying utilities and suppliers, running reports or accessing payment history.
You can delegate the payment responsibilities you want, such as paying utilities and suppliers, running reports or accessing payment history.
What kind of permission controls can I set?
Specify who can make payments, which payments they can make and the maximum payment amount. You can also set up final approvals so you give the go-ahead before any payments are made.
Specify who can make payments, which payments they can make and the maximum payment amount. You can also set up final approvals so you give the go-ahead before any payments are made.
Customized Reporting
What kind of customized reports can I run?
You can run reports that allow you to:
You can run reports that allow you to:
- Have the audit information you need
- Review your spending
- View the payment activity of your authorized users
Remote Deposit Capture
