Personal Checking Deposit Rate Chart

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Frequently Asked Questions

Who can use FNB On-Line?
Any First National Bank of Palmerton client may sign up and access any of their accounts.

Can a business client use FNB On-Line?
Yes. The person opening the account must be and signing the agreement must be the owner or president of the company.

Can business accounts and personal accounts be
combined under the same client on-line set-up?
Not generally. On-line set-ups are done on an individual basis, and businesses are considered to be separate entities.

When is FNB On-Line available for use?
24 hours a day, 365 days a year. However, the system may be down periodically for maintenance or for other reasons outside of our control. FNB On-Line transactions are processed and information updated only on business days (Monday through Friday, excluding legal holidays).

How late in the evening can I make a transfer on
a normal business day (Monday through Friday)?
The transfer cut-off time is 6:00 p.m. EST.

Are there limits on the number of transfers
a client can make?
Yes, depending on your account(s). Some, such as checking accounts, have no limits on the number of transfers. However, saving and money market accounts, by federal regulation, are allowed no more than six transfers per month (including no more than three checks).

How current is the information?
The available balance for checking and saving accounts is real time and will change throughout the day based on the activity. For example, as the client transfers money between accounts, the available balance will be updated to reflect the activity.

I'm having trouble accessing FNB On-Line.
What's the problem?
There are several possibilities. If you are having problems accessing many web sites, please contact your Internet Service Provider (ISP). If you can access other websites but not ours, then either our system is off-line or we are experiencing a temporary disruption in service. Please try again later. If the problem persists, call Customer Service at 1-800-344-2274 (Monday through Friday, 9:00 a.m. to 5:00 p.m.).

I can use all of the functions and read everything on your website, but I cannot access the Online Banking page.
Your browser must have "cookies" enabled and be equipped with 128-bit encryption. You can test your browser to determine if you need the 128-bit encryption software. Simply click the "Test Browser" button located on our site in the "Access Your Accounts" section of the page and you will receive a suggestion regarding your browser software. Use the provided link to download the appropriate browser software.

Password
Your Password must be 6 to 8 alpha-numeric digits.

Why won't my Password number work?
There could be several reasons. You may be entering the wrong Password number or you could be locked out of the system.You are allowed three Password attempts and if the 3rd attempt is invalid, you will be locked out of the system. If you have not accessed your accounts via FNB On-Line in the past 90 days, you may be locked out of the system. These are security features built into the system. If you are locked out, contact Customer Service at 1-800-242-4671 ( Monday through Friday, 9:00 a.m. to 5:00 p.m.) and request that your account be unlocked.

What if I forget my Identification Number or PIN?
You will need to notify us. After verifying your identity, we will reset your password. You may contact us by email or by calling Customer Service at 1-800-242-4671 ( Monday through Friday, 9:00 a.m. to 5:00 p.m.)

What can I do to keep my information secure?

Ÿ Do not use an obvious number or other
accessible information for your ID or Password.

Ÿ Make sure no one is watching when you enter
your ID and Password.

Ÿ Try to memorize your ID and Password rather than
writing them down.

Ÿ If you record your ID and Password, store the document
in a secure place.

Ÿ Do not share your ID and Password with others.

Ÿ Report any usual account activity immediately.

Ÿ Do not give your information to anyone requesting
it over the phone unless you have initiated the call.

Ÿ Always log out of the system.

What happens if I forget to log off of the system?
By default, FNB On-Line has a 10-minute time-out feature. If the system is not used for 10 minutes, the user (you) will become inactive and will have to log on again.

What does the downloading feature do?
The download option in "Account Access" allows you to download transactions into spreadsheet, word processing and finance programs (Quicken or Microsoft Money).

The download option in "Bill Payment" allows you to download your payment schedule into most database, spreadsheet, word processing and finance programs (Quicken or Microsoft Money).

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