Online Banking FAQs

Online Banking

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What is First National Bank's Online Banking?
Q

What is First National Bank's Online Banking?

A

FirstTeller is a FREE service to our customers! You can get free up-to-the-minute information about all of your accounts and view all account transactions including ATM and point of sale transactions. You can transfer funds between eligible accounts including making payments on loans or credit lines. You can download transaction information into money management software programs such as Microsoft Money™ (OFX) and Quicken™ (QIF).

All internal account transfers made after 5 p.m. will be posted on the following business day.

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What do I need to get started using First National Bank's Online Banking?
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What do I need to get started using First National Bank's Online Banking?

A

You need the following to get started with FirstTeller Online:

  • A personal computer
  • An active account with an Internet Service Provider (ISP)
  • Internet browser software with 128-bit security encryption
  • An account with First National Bank.

You can come by one of our locations and fill out an application. We will then assign you a User ID and temporary Password. This information will be sent to you by US Mail. The User Id and temporary Password will come in separate mailings.

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How do I know if my browser has the right level of security and encryption for FirstTeller?
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How do I know if my browser has the right level of security and encryption for FirstTeller?

A

FirstTeller requires an Internet browser with the highest level of security and 128-bit encryption.

You can TEST YOUR BROWSER HERE, if an update is required you will receive further information.

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When I attempt to login to FirstTeller I receive the message "Invalid ID or PIN". What should I do?
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When I attempt to login to FirstTeller I receive the message "Invalid ID or PIN". What should I do?

A

If you are having trouble logging into the system or have forgotten your ID or PIN, please contact our Internet Banking Department during regular banking hours at (870) 886-5959 or 1-800-530-7561.

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Why does it say that my account is locked? and what do I do now?
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Why does it say that my account is locked? and what do I do now?

A

Your account becomes locked after three unsuccessful login attempts. To get "unlocked", contact our Internet Banking department during normal business hours and they will be happy to unlock and reset your account for you.

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What if I forget my ID and PIN?
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What if I forget my ID and PIN?

A

If you lose or forget your ID or PIN, you may contact our Internet Banking Department at (870) 886-5959 or 1-800-530-7561. After confirming your identity, we will be happy to assist you.

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What happens if I open an account after I start using FirstTeller Online Banking?
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What happens if I open an account after I start using FirstTeller Online Banking?

A

You will need to ask your New Accounts Representative to have your new account added.

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Why is my printout missing information on the right side?
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Why is my printout missing information on the right side?

A

Due to design issues, the normal "portrait" style of printing doesn't work correctly. To remedy this, we suggest that you print out your transactions in "Landscape" mode. To do this, please follow the following steps:

  • Select Print from the File drop down menu of your browser
  • Click on the Properties button
  • Select Landscape in the Orientation section
  • Click Ok.
  • Click Ok.

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What is a VTXTLR transaction?
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What is a VTXTLR transaction?

A

VTXTLR is our way of indicating that a transaction was made by a teller. This could be either via the drive-up window or the inside tellers.

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Bill Pay

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What is Bill Pay?
Q

What is Bill Pay?

A

Bill Pay allows you to pay bills from a First National Bank checking account to any merchant whom you have selected in advance to receive payments by means of our Online Banking Bill Pay service. There is a small charge for this service however, you no longer have checks to write, no more stamps to buy and no more envelopes to seal.

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Who can I pay using Online Banking Bill Pay?
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Who can I pay using Online Banking Bill Pay?

A

Anyone that you would write a check to or authorize through ACH transactions.

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How Many days in advance should I schedule my payment?
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How Many days in advance should I schedule my payment?

A

You should allow time for your payments to process. For a payment made by check, you should allow approx 10 business days. For an electronic payment, you should allow 3 business days.

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How do I know whether a payment will be made electronically or by check?
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How do I know whether a payment will be made electronically or by check?

A

Our Bill Payment service determines which payments are made electronically or by check. When adding a payee, you should search the Electronic Payee database. If your payee is listed, your payment will be made electronically. If your payee is not listed, your payment will be made by check.

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When I pay a bill, when does the money come out of my account?
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When I pay a bill, when does the money come out of my account?

A

If the payee is in the Electronic Payee database, the funds come out of your account the day your payment is made. If the payee is paid by check, the funds will come from your account the day the check clears the bank ... just as if you'd written it from your checkbook.

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What is the Bill Payment cut-off time?
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What is the Bill Payment cut-off time?

A

Payments made before 12:00 pm CST will be mailed the same day. Payments made after 12:00 pm CST will be mailed the next business day.

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Do I need to re-enter payee information each month?
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Do I need to re-enter payee information each month?

A

Only if the payee information changes. The payee information will remain in Online Banking until you delete it. The only thing you'll have to change each month is the amount you want to pay and the date you want the bill paid.

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Who do I contact if I have a problem with Bill Pay?
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Who do I contact if I have a problem with Bill Pay?

A

Please contact our Internet Department at (870) 886-5959 or 1-800-530-7561 during regular business hours.

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What happens if I do not have enough money in my account to cover the bill payment I have set up?
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What happens if I do not have enough money in my account to cover the bill payment I have set up?

A

If you request a payment for more than the balance in your account and the payment is to be made electronically, i.e. through the ACH network, in this case your payment will not be made. And, if you request a payment that will be paid by a check, the check will be written and the check will then be processed like any other check. However, when the check is processed by our bank and your account has insufficient funds to cover the check, then you will incur the same nonsufficient funds (NSF) charge for a check you may have written.

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Is there a charge for Bill Pay?
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Is there a charge for Bill Pay?

A

There is a $6.00 monthly charge for Bill Pay, however online banking without bill pay is no charge.

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