Frequently Asked Questions

No. By choosing e-Statements this discontinues the process of First National Bank providing you with a monthly paper statement via regular mail.

Our customer's privacy and security is a priority at First National Bank. Your e-Statement is stored on a secure server and delivered to your browser using multiple layers of security (128-bit encryption).

No, e-Statements are a FREE service offered to First National Bank customers.

Checking, savings, CDs and loan accounts are eligible for e-Statements. If you have a combined statement ALL of your accounts on the combined statement will be available for electronic viewing on your e-Statement.

Choosing e-Statements is effective immediately and you will also be able to view your last 24 months of statement history. When your new e-Statement is ready to view, you will receive an email notification.

At this time your e-Statement notification can only be sent to ONE email address.

You can update your email address by logging into Internet Banking, select "Settings" then select "Edit" under the email section, and update your email address. Or, contact a First National Bank representative for assistance.

Please call First National Bank anytime between 8 AM to 4:30 PM Monday-Thursday or 8 AM to 5 PM on Fridays at 877-782-2195.

By clicking on the "Forgot Password" button on the log in page, your password will be delivered to your email address within minutes.

Your e-Statements will be available for viewing for 24 months (as long as the account remains open). You may also print or save your e-Statements on your computer so that they will be available for viewing for a longer period of time.

Contact First National Bank at 877-782-2195 to request cancellation of your e-Statement participation and future paper statements will be mailed to you.

That said, we will not impose any fee to process the withdrawal of your consent to receive electronic communications. Any withdrawal of your consent to receive electronic communications will be effective only after we have a reasonable period of time to process your withdrawal.

The primary owner will be the only one with the option to enroll in eStatements unless joint owners share the same email address.

To verify ability to enroll, check the eStatement enrollment section under "Settings" in Internet Banking.

Text Banking: Any text compatible mobile phone
Mobile Web: Mobile phones with internet access
Mobile App: Android or Apple phones

Mobiliti TM works on all major service carriers in the U.S.: AT&T, Sprint, T-Mobile, U.S. Cellular and Verizon Wireless as well a number of other smaller services carriers.

No. Check Images can be viewed within Internet Banking. Items available within Mobile Banking include: Check Balances, View Transaction History, Transfer Funds, Pay Bills, Find Locations and receive eAlerts.

No. Any new eAlerts you wish to receive will need to be first set-up within Internet Banking. You can choose to have these eAlerts delivered via text or email on your mobile device.

No. Any new payees will need to be first set-up within Internet Banking and then will be available within Mobile Banking. Savings accounts cannot be added in CheckFree® RXP® BillPay to pay bills from. Any new accounts to pay bills from will need to be set-up by a First National Bank Representative.

Transfers can be made at any time, day or night, 24/7.

Notify your mobile phone carrier right away. Your information cannot be accessed without your user name and password. However we can also reset credentials or turn off mobile access. You can also manage your devices through “Settings” in Internet Banking. Account data and login credentials are not stored automatically on your mobile device. Password protect your device if possible.

Select the "Log Out" button or link to log out of Mobile Banking, and then close your browser through your mobile device browsing options. Closing your browser will securely end your Mobile Banking session.

You can manage your mobile device within the Mobile Banking profile section (under “Settings”) of your Internet Banking. Simply click on the “I want to: Change my phone number” in the dropdown located next to your mobile device. Then click “Go” to update your mobile number and follow the steps accordingly.

You can manage your mobile device within the Mobile Banking profile section (under “Profile") of your Internet Banking. You will need to locate your specific Mobile Device and choose “Stop using this device for Mobile Banking” in the drop down. Once this is completed, you can “Add a new device” to set-up your new device with your Mobile Banking services.

No. If you close all of your accounts with First National Bank your Mobile Banking and Internet Banking accounts will no longer be able to be viewed.

Yes. If you close an account with First National Bank it will automatically be removed you’re your Mobile Banking and Internet Banking accounts.

Yes. If you click the “Not Now” button when prompted you will actually be reminded again in 30 days. Or you can enroll any time by logging in to Internet Banking and going to the “Settings” button then “Mobile Banking Profile” to continue the enrollment process.

No. You will need to re-enroll in the new version of Mobile Banking (Mobiliti TM).

No. Our Mobile Banking service is FREE but your wireless carrier’s data, message rates and roaming charges may still apply.

You must be a First National Bank Internet Banking User. You will use the same Internet Banking login credentials to access your Mobile Banking either through the Mobile App or Mobile Web options.

• If you aren’t a current Internet Banking user, you will first need to complete the first time login set up prior to enrolling in Mobiliti TM or downloading the app.

Account access is the same as Internet Banking, including checking, savings, CD’s and Loans. You select which accounts you want to access via Mobile Banking during the enrollment process.

No. Our new Mobile Banking is a browser-based application that does not require any software to be loaded to the individual device.

You can view any checking and savings accounts you choose that are set-up in your Internet Banking account. Any new accounts opened will automatically be available in your Mobile Banking. Any new nicknames for these accounts will need to be set-up within Internet Banking.

No. One-time transfers may be entered. Any recurring transfers can be set-up within your Internet Banking.

Just like Internet Banking, it uses the same 128-bit encryption to keep your information secure and private. Mobiliti does not store any personal information on the device. 

Click here for phone security tips.
 

Yes.  The First National Bank mobile tablet app is available for both Apple and Android tablet devices from your respective app stores.

Yes. You can enroll several mobile devices for Mobiliti TM. To add a new phone the app may be downloaded on the additional mobile devices or you can add a new device in your Internet Banking account

Both are used as outlets to access First National Bank’s Mobile Banking site.

• The Mobile App is available for Apple and Android devices with web access.
• Mobile Web can be used on all devices with web access.

The app is available for iPhone® and Android® devices and can be downloaded from the iPhone® or Google Play app stores depending on your device. Simply search “First National Bank Creston Mobile Banking.”

No. Once the app is downloaded is it there on your phone until the user determines to delete or remove it. If Internet Banking account isn’t accessed within 90 days either via computer or your App, your Internet Banking account will need to be reactivated. Please contact a First National Bank Representative at 1-877-782-2195.

No. At this time only one Internet Banking account is tied to the App on your specific mobile device, this is set up during your enrollment process. If you would like to view another Internet Banking account through Mobile Banking, you can set an account up on the App and another account on the Mobile Web option. This is set-up for security reasons.

No. You will need to login to your Internet Banking account to set up these additional services. This can be done by “Adding a Device” and completing the set-up process for these services.

Yes, both the App and Mobile Web will time out after 5 minutes of inactivity.

Accounts are viewed by nickname and not account number. No detailed information is sent via text.

The nickname of your accounts identifies the account in a text message. For example: to check your transaction history, text HIST to 99588 followed by the account nickname.

The number to text is 99588. This number is the same for all users. This information is provided via text instructions when the customer enrolls in this service. We encourage you to save this number to your contacts for future use.

The text commands are not case sensitive.

• BAL = Current Account Balances
• HIST + Acct Nickname = Transaction History (Ex: Hist CHK1)
• HELP = Contact Information
• ATM + Zip Code = Nearby Branches (Ex: Atm 51301)
• STOP = Cancel SMS Text Banking Service

The STOP text command effectively disables your text banking.

You can login to your Internet Banking to resend the link to your mobile device or you can contact a First National Bank Representative at 1-877-782-2195.

This will be texted to you when you enroll in the particular service. Click on the link you receive in your text message to activate the browser download. Save this link to your favorites or bookmark this link for future use. This is a specific link for each user.

You can login to your Internet Banking to resend the link to your mobile device:

• Go into your Internet Banking.
• Click on Settings and scroll to the Mobile Banking Section
• Click on Manage Devices
• Select your appropriate phone number/device and select the dropdown “Get a link to the Mobile Banking website.”

Or, you can contact a Northwest Bank Representative at 1-888-969-1265.

Mobile Deposit is available through First National Bank's Mobile Banking.

• Download - Mobile Deposit is available for iPhone or Android phone. Download our app instantly to begin managing your accounts.

• iPhone 3GS, 4, 4S, and all 5 Models
  • Apple iOS 5.0.1 or newer
• Google Android Models
  • Android (Froyo) 2.2 or newer
  • Cameras with 2.0+ Megapixel resolution and autofocus
  • Either touch screen or keyboard phones
• iPad 3, 4 and Mini
  • Apple iOS 5.0.1
  • Cameras with 2.0+ Megapixel resolution and autofocus

No. There is no cost for the Bank’s standard Mobile Deposit as of June 1, 2016. There is also no fee to sign-up and use First National Bank's Mobile Banking app.

Yes, deposit history is available for 45 calendar days.

Yes, the daily limit and the per deposit limit is $2,500.

Yes, you will need to endorse the check by writing "For Mobile Deposit Only" and signing the back of the check.

Deposits must be received by 3:00 p.m. CST in order to post on the same day's business. Deposits after 3:00 p.m. CST will post on the next business day.

Please keep your check until you see it posted on your statement. You may then shred your check.

Check the Pending Transfers tab on your Deposit History page. Deposits listed with a status of Pending are under review. A status of Rejected indicates an issue with your deposit.

No, the photos are not stored on your device. You can review and check images in your Deposit History within your First National Bank Mobile Banking.

If you need further assistance with Mobile Deposit, please contact your local First National Bank.

First National Bank offers its customers the ability to send a secure email to us. Our easy-to-use email protection makes it seamless for you to receive, read and reply to all encrypted email communication we send you. The protection of confidential communication is important to us and we want to ensure your information stays private.

By itself, Internet email is not a secure communications channel. Messages sent via standard Internet email travel in "plain text" and cross many networks before reaching their final destination. As a result, an opportunity exists for prying eyes to eavesdrop on email messages as they traverse these various networks. Since confidentiality cannot be guaranteed, standard Internet email should not be used to exchange sensitive or private information such as social security numbers, bank account numbers, financial statements, etc.

When First National Bank sends you a secure email message, the message is sent to a secure data center where it will be held for you to retrieve. At the same time, a notification message is sent to you to inform you that a First National Bank Secure Mail message is waiting to be retrieved. The notification message will contain a link to a secure web site. Simply click on the link, log into the secure web site, and retrieve your message.

The first time you use First National Bank's Secure Mail, you will be prompted to create an account. Supply your email address and password to establish your account. You will use this email address and password each time you log into First National Bank Secure Mail. A confirmation message will be sent to the email address you entered. You will need to click the link in the confirmation email to complete the account set up process. You can now begin using your First National Bank Secure Mail account.

When First National Bank sends you a secure email message, you will receive a notification message via standard Internet email. Click the link contained in the notification message to be taken to the login screen where you will be prompted to enter your email address and password that you established. Once logged in, you can read your First National Bank Secure Mail and send a secure reply message back to First National Bank if needed.

You will need to establish an account in order to read your secure message. From the secure message login page, select the “First time users ‘Click here’” link to create your account. The Registration Screen that follows requires you type your email address and your new password twice, along with a password reminder phrase. Click the Submit Password button. A password confirmation email is sent to the email address you provided. You can activate the pending password by clicking the activation link in the message.

The Secure Message Center “Welcome” page gives you an option to change or reset your own password. On the Welcome screen, you will find a link to the “Change your password” screen. On the “Change your password” page, simply enter your email address, a new password, and a password reminder phrase. Please ensure your password meets the “Password Rules” which are also listed on this page. Upon submitting your new password, a confirmation email will be sent to you containing a link to accept or activate the new password. Please click on the link only once. Any subsequent clicks will result in an error message; however the new password will have been activated. After the password has been reset, an “activation successful” message will be displayed along with a “continue” button. When the continue button is selected, you will be taken back to the Secure Message Center Welcome page.

Your account will be locked for 30 minutes after 3 failed login attempts. You will receive a notification email in your regular inbox informing you that you are locked out for this time period. If you do not wish to wait the full 30 minutes, you can immediately unlock your account by changing your password. You do not need to know your old password. Please see question 6 for requesting a new password.

If your email address has changed or you need to have secure messages delivered to a different email address, please contact the original sender and provide them with the new email address. The recipients of secure messages are determined by the sender. When you receive a secure message at the new email address, you will need to create an account (new email address and a new password) to access this email. Secure messages sent to the old email address will not be visible when logged into the new account. These messages can still be accessed by signing into the Secure Message Center using the old email address and password.

The secure message notification email may be blocked or quarantined by your anti-spam software. Please check your quarantine server or work with your local email administrator or internet service provider. The secure message notification email may have also been delivered to your “Junk” folder. If this is the case, you can retrieve the message from the “Junk” folder and add the ZixCorp domain (zixmail.net) to your “safe sender list” so that any future notification will get routed to your Inbox. If you still can’t find the secure message notification email, contact your IT department or internet service provider and have them white list smtpout.zixmail.net, which is IP addresses 63.71.8.100 through 63.71.8.109 for inbound mail. Please ask the message sender to resend the secure message.

The attachment limits, including how many files you can attach, and the maximum combined file size limit is indicated on the Attach File page which is available when composing a message is 15 MB.

Attachments can be sent, received and downloaded on supported handheld devices through the Secure Email Message Center.

The supported handhelds are:

• BlackBerry version 4.2 or above
• SmartPhones using Windows Mobile 5.0 or above
• Apple’s iPhone version 3.0 or above
• While other handhelds may be used to view messages, they are not supported in First National Bank’s Secure Message Center.

Messages will be held for 14 days. Once a secure message has expired, it is permanently deleted and cannot be recovered. If you need a copy of an expired message, please contact the original sender.

When a message expires, the secure message is deleted and cannot be recovered. Please contact the original sender and request that they resend the message.

You can access “Help” by clicking the “Use Online Help” link on the Secure Message Center login page or by clicking the “Help” tab on the Secure Message Center “Welcome” page. 
For Customer Support, contact the Help Desk at edp@fnbc.bank.

Debit/ATM Card Personal Identification Numbers (PINs) are automatically generated at time of card issuance. If you have forgotten your PIN, please contact one of our locations for more information. Upon contacting us, you will have the options of having the same PIN reissued or choosing a 4 digit PIN of your choice.

To activate your debit card, either use your card at an ATM with your PIN or call 866.590.4793 (option 2).  Your card will immediately activate.

If your card is damaged, contact us at one of our locations to request a replacement card.

Replacement card fees will be assessed if the replacement is a result of damage to the card. 
ATM/Debit/HSA fees are $10.00 per card plus tax.

When completing a face-to-face transaction, the authorization method will either be through your signature or Personal Identification Number (PIN).  Not all merchants accept PIN based authorization, but any merchant that accepts Visa Debit can accept a signature based transaction. 

First National Bank does not charge per debit card transaction.  All it costs to get a debit card is $1 per account per month.

Debit card funding is directly linked to the money in your checking account.  Credit card funding is linked to a pre-approved line of credit.

All foreign debit card transactions are assessed a 2% foreign transaction fee.  The actual transaction will post for the authorized amount and an additional transaction will post for the 2% Foreign transaction fee.

Your debit card will automatically reissue one month prior to the expiration month.  Your card will continue to work throughout the expiration month.  Look to receive your new card in the mail around the 2nd week of the month prior to expiration.

Pay at the Pump transaction authorizations will difer based on whether you select to run the card as a debit or credit.  Initial authorizations for credit will be less than a debit authorization.  In the end, the actual amount that you received in fuel is what will post to your account.  However, if limited funds are available on your card and you run the transaction as a debit, there is a chance your transaction could be denied.  Example:  Balance in checking account attached in debit card is $50.00.  The gas stations authorizes your gas purchase automatically through the pay at the pump for $75.00.  Your intent is to purchase $20.00 in fuel.  This transaction would be denied at the pay at the pump but the transaction could still be completed by paying inside of the gas station for fuel.

Based on the type of merchant you shop at, some are not required to get a signature or PIN for transactions $25 or less.  You are still protected from unauthorized purchases with these transactions.

Visa Debit card's security protection help prevent, detect and resolve fraud in the following ways:

• Visa's Zero Liability Policy which protects you from unauthorized charges.
• Fraud Monitoring helps to detect suspicious activity on your card.
• Identity Theft Assistance helps you recover your identity and prevent further problems.
• 3-Digit Security Code to verify your identity for Internet and phone purchases.

You will be required to pay for appraisal costs, credit report fee, flood certificate, attorney and abstracting fees, recording fees, and charges to originate your loan. There may be additional costs depending on any additional services you choose.

We provide ARMs, Balloons, and HELOCs. We can also provide fixed-rate mortgages sold through the secondary market, VA loans, FHA, and Iowa Finance Authority Rural Development loans through our sister bank.

You will have to pay for property taxes to your county treasurer. In addition, the Bank requires that you carry hazard insurance to protect your property in the event of a loss. Flood insurance will also be required if your house is in a flood hazard area. Depending on the location of your home, you may also have homeowner association dues.

To determine how much you can afford, you first need to know your monthly income. Second, you will need to calculate your monthly expenses which may include credit card bills, car payments, insurance premiums, student loans, child support, alimony, and all other debts. After subtracting your debts from your income, you can determine how much you are willing to pay every month for your home. Our loan officers would be happy to discuss your particular situation with you to help you determine the amount you can spend for a home and pre-qualify you for a purchase.

ARM is an acronym for Adjustable Rate Mortgage. This is a mortgage product that allows the lender to periodically adjust the interest rate according to the specified index which could be either up or down. The interest rate may have a floor and a ceiling which is the lowest and maximum interest rate throughout the lifetime of the loan. With an adjustment in interest rate, the loan payments may go up or down accordingly.

This is a mortgage product that has a balloon payment due after an initial period of monthly payments. After that period of time elapses, the balance (balloon) must be refinanced OR be paid by the borrower. The large sum payable at the end of the loan term is called the “balloon payment”.

A Home Equity Line of Credit is a form of revolving credit in which your home serves as collateral. Once approved for a HELOC loan, you will most likely be able to borrow up to your credit limit whenever you choose. Repayment is set over a fixed period, for example, 10 years.

Yes, when you enter your card information in a mobile wallet – such as Apple Pay, Google Pay or Samsung Pay – it is encrypted and a token is created, which is then used for transactions. The token replaces your card number so it is never exposed.

Please use another phone to call First National Bank during business hours at 877-782-2195 and our bookkeeping department will deactivate your mobile wallet. If after hours, please call Shazam, our card processor, at 855-219-5399 and they will deactivate your mobile wallet.

Please call First National Bank at 877-782-2195. Our bookkeeping department will deactivate your card, issue you new card and will also deactivate your mobile wallet so your card number can not be used by another party. If after hours, please call Shazam, our card processor, at 855-219-5399.

In most cases, there will be a pre-installed wallet app on your phone. If there isn't a pre-installed Apple Pay, Samsung Pay or Google Pay app, you will need to visit your Play store and download one of these apps.

When checking out at participating merchants, access the mobile wallet app and select your First National Bank debit or credit card. Use fingerprint technology or pin number to securely activate your wallet for use.

Hold your phone up to the symbol on the contactless terminal. Listen for beep. Payment made! (You can confirm recent purchases in your mobile wallet and within your account.)

Look for this contactless payment symbol.

No

Contact First National Bank at 877-782-2195 or visit the Apple Pay, Google Pay or Samsung Pay support webpages.