Frequently Asked Questions (FAQ's) 

 

 

 

General Questions - Using the System - Bill Payer Questions

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General Questions

What are the advantages of using FNB's Online Banking?

The First National Bank & Trust Company is Bucks County's oldest bank. We've provided the highest level of personal attention to our clients since 1864. We have an unrivaled record of security and stability. No Bucks County bank is more committed to local ownership, operation and investment.

It is with this same commitment to you that we now offer the convenience of Online Banking. Online Banking effectively increases First National Bank's hours of operation to 24 hours a day, seven days a week. It also allows First National Bank to make "house calls," by giving you the ability to take care of many of your financial needs in the convenience of your home! As long as you have a computer, modem, phone line and Internet access, you can log in to your account information from anywhere in the world!

What are the features of Online Banking?

With First National Bank's Online Banking System, you can access your account balances; view account history; view images of checks; initiate stop payments; purchase savings bonds; reorder checks; transfer money between accounts; make loan payments; and even apply for a loan. In order to help you plan ahead, you can even send yourself an e-mail on a certain day to remind you of something important, such as to pay a bill or make a transfer.

What are the fees for Online Banking?

All of the above features of First National Bank's Online Banking services are absolutely free!

What is the Online Bill Payer service?

This particular feature allows you to pay any bill through the internet - anywhere and at any time! When you have a bill that is the same amount each month, you can use this service to guarantee that it is automatically paid each month, on the same day that you would otherwise write and mail a check. Just set it up and let it work for you! In addition, there is no limit to the number of bills you can pay each month! The use of Bill Payer can drastically reduce trips to the post office, licking stamps and envelopes, and reordering checks. Imagine the convenience! In addition, Bill Payer is more secure than paying bills by personal check or credit card! Learn more about the security features of Online Banking by reading the information below in the Security section.

Is there a fee for the Bill Payer service?

If you have a Gold, Gold 50, or Free Checking account, the Bill Payer service is free. For Interest and Money Market Checking accounts, we offer the first two months free. After the introductory period, your primary account will be charged $5 for each month that you use the service (there will be no charge for months during which the service is not used). The fee will be assessed on the 1st day of the following month and it covers an unlimited number of bills.

Is it necessary to utilize the Bill Payer feature in order to take advantage of all of the other services of Online Banking?

No. When you apply for FNB's Online Banking, you must specify on the application form whether or not you would like to access the Bill Payer service. If you initially elect not to use Bill Payer, but decide to use it later, you only need to complete and sign a simple form, return it to FNB, and we will activate it for you. You will receive a phone call from our Online Banking Manager when the information on the form has been verified and the service has been activated. Once you have received this phone call, you may use the Bill Payer the next time you log on to Online Banking. If you have an Interest or Money Market Checking account, the first two months are free, regardless of when you decide to sign up for Bill Payer.

How secure is Online Banking?

Please be assured that the security of the Online Banking System is of top priority to First National Bank. Online Bill Payment is actually more secure than writing checks and using credit cards! Just think of how many people can access your checking account number from one of your checks or record your credit card number from an imprint. In each case, the sensitive account information is easily accessible, along with a sample of your signature. Despite this risk, we rarely think twice about using these payment methods.

When it comes to Online Banking, beginning with the application process and continuing through your use of the system, we make every effort to ensure that your account and personal information are kept strictly confidential. All information that is passed to and from your personal computer during your Online Banking session is electronically scrambled (this is called encryption). Only our computer and your computer have the code, or "keys" to unscramble the information during each banking session. To provide additional security, you have the option of changing your password as frequently as you desire. We have also been certified by Verisign©, which is the world's leading Certification Authority. Verisign© performs a strict background check to verify the authenticity of an organization, and then issues an electronic "certificate," which is equivalent to a business license. To learn more about the security procedures and state-of-the-art technology that we use, click on the Privacy Statement, Security Statement and Verisign© icons located on the Online Banking sign-on page of our Website. You do not need to purchase additional software to make your Online Banking activities secure.

Is it possible for someone to acquire my Login ID and Password?

This is really only possible if you record both codes somewhere and leave them in an unsecured environment. DO NOT GIVE YOUR LOGIN ID OR PASSWORD TO ANYONE! Once you change the initial temporary password, not even the Online Banking Manager can acquire the new one. If, for some reason, your Login ID is compromised, your password still protects intrusion. The Online Banking Manager is able to issue another ID in such cases. If your password is compromised, the Manager will issue you another temporary password that you can change the next time you log in.

What minimum computer hardware and software technologies are required for Online Banking?

It is recommended that your computer have a broadband connection and requires the latest version of Internet Explorer, FireFox, or Safari. Online Banking requires a browser with 128 bit encryption to ensure your privacy and security.

How do I apply for Online Banking?

There are several ways to obtain an application for our Online Banking service. 1) There is an application form on our Website sign up page which you may print, complete, and return to one of our branches (this requires Adobe® Acrobat® Reader, which can be downloaded from the sign up page). 2) An application may be obtained at any of our branches. 3) Call our Customer Call Center at 215-860-9100, between the hours of 8:30 and 6:00pm Monday through Friday, and request that a form be mailed to you. 4) You may request an application by e-mailing the Online Banking Manager (onlinebankingmanager@fnbn.com), with your name and address, and one will be mailed to you. The completed application can either be mailed to First National Bank or delivered in person.

If you currently do not have an account with First National Bank of Newtown, please visit one of our branches to open one. You can sign up for Online Banking immediately.

After I apply, how long do I have to wait for approval?

First National Bank is committed to providing the greatest possible security to our valued customers. Therefore, we need time to compare applicants' signatures with our records and verify the accuracy of all of the information provided on the application form. As a result, it will take between 3-10 days for you to receive your notice of approval in the mail.

Whom do I call with additional questions about Online Banking?

If you have any additional questions which are not addressed above, call our Online Banking Manager at 215-579-3415, between 8:30am to 5:00pm, Monday through Friday. Note: If you ever need to discuss a problem or question, do not communicate sensitive information through e-mail, since it is not a secure channel and can be easily intercepted.

 

 

 

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Using the System

***PLEASE NOTE: there is a "help" button on each screen of the Online Banking system. If you need assistance, please refer to this help feature first, since it will answer most of your questions more quickly than the FAQs or a phone call to the bank. If you still need further assistance, please do not hesitate to call the Bank.***

What should I do if I get "locked out" while trying to sign on?

For security purposes, the Online Banking system allows an account holder three straight attempts to correctly sign on. If you fail to sign on properly the third time, you will be "locked out" and instructed to call FNB. You must call the Online Banking Manager at 215-579-3415, between the hours of 8:30am and 5:00pm, Monday through Friday. The Online Banking manager will reset the sign-on page to allow you three more attempts to sign on.

There are several reasons why you may be having difficulty signing on. The first thing to do is verify the accuracy of the Login ID and the password you are attempting to use. An important detail to keep in mind is that the PASSWORD must be typed exactly as you originally entered it into the system. This means you must use UPPER CASE and lower case letters where appropriate. If you have forgotten the password that you have chosen, please refer to the next question.

What should I do if I forget my Login ID or password?

You must call the Online Banking Manager at 215-579-3415, between the hours of 8:30am and 5:00pm, Monday through Friday. If you have forgotten your password, the manager will verify your identity and then issue you a new, temporary password. If you have forgotten your Login ID, the original ID will be provided to you once your identity has been verified.

How often may I change my password, and how do I change it?

You may change your password anytime you sign on to the Online Banking system. To change your password, type in your current password on the password page, click on the "Do you want to change your password?" box located below the password field, then click the submit button. You will be asked to enter your new password twice. Keep in mind that the password must be 5 to 10 characters in length, and it should not be something that can be guessed easily. We suggest that you include a combination of upper and lower case letters, punctuation marks, or symbols. In addition we recommend changing your password monthly to reduce the risk of anyone fraudulently using your account.

There are occasions when the screen will suddenly change to display the message: "Your current session has expired. Press the ‘Submit' button below to log in again." Why does this happen?

If you have not had any activity for 10 minutes while logged into the system, the session will automatically expire. Simply click on the ‘Submit' button and you will return to the sign-on page.

Can I make transfers to and from any of my accounts?

You may make transfers to and from most of your Online accounts. There are some limits to the transfer feature, such as an inability to transfer to and from IRAs and Certificates of Deposit. In addition, you may not transfer from any Holiday Club, Loan or Mortgage. Other exceptions would be any account which you voluntarily restricted when you applied for Online Banking (view only, deposit only, or view & deposit).

How many months of transactions and statements may I view with Online Banking?

When you first log on to Online Banking, you can click on the account balance to retrive the past 30 days of account history. If you need to go back further in history, scroll to the bottom of the page, and you will see the earliest date available. This will be 99 days from the date you log in. In addition, there will be three years of past statements available for you to view and print at any time. To locate these past statements, go to "History," then "statements."

When I bring up one of my statements on screen, I have trouble reading it. Is there a way I can make the print larger?

You can change the text size at any time. If your browser is Internet Explorer, you must go up to the menu bar and select "View." Next, scroll down to "text size" and choose the size that is best for you.

If you use Netscape Navigator, go to the menu bar and select "View." Next, scroll down and select "Increase Font." Repeat this process until the print is at the size you desire.

How often is my Online Banking account information updated?

The daily transaction requests that we receive through the Online Banking system are memo posted each business day at 8:00am and 4:00pm. Any Online Banking activity after 4:00pm will be posted the following business day. Each night after midnight, transactions and balances are updated from our main computers to the Online Banking system. Then, throughout the day, transactions performed at our branches are memo-posted to keep your balances accurate.

When I call the bank or use PhoneFirst, why am I sometimes given a different balance than the Online Banking system gives me?

We seek to provide you with the most current account information possible. As mentioned above, Online Banking transaction requests are memo posted twice a day to our main computers. Transactions from our branches are sent from our main computers to the Online Banking about five times a day. As a result, there are occasions when your balance may be different. However, Online Banking is updated each night, so that all balances and transactions are synchronized to start the new day.

 

 

 

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Using Bill Payer

***Please remember to refer to the "help" button first when you encounter a problem or need assistance.***

Important Bill Payment Information

Bill Payment services are provided through our third-party bill payment processor, Metavante. You can expect to receive occasional contact, typically via email, from Metavante. This contact will usually pertain to an issue that has arisen regarding a bill payment that you have initiated.

When does the money come out of my account?

When you initiate a bill payment and schedule it to be paid, you will not see the money coming out of your account until the next business day (or possibly 2 business days). For example you go into the Online Banking system and schedule a payment to be made to PECO for $110 on Tuesday. The $110 will not be taken out of your account until Wednesday, even though Metavante sent the payment to PECO on Tuesday.

What if I do not have the money in my account?

In the case that you do not have sufficient funds in your account, the electronic debit will be returned and you will be charged the standard NSF (non-sufficient funds) fee by First National Bank. In addition, Metavante will automatically block your access to the bill payment system and all unprocessed scheduled payments (future or automatic recurring) will be canceled. To collect the money, Metavante may attempt to retry the electronic debit, stop payment if the payment was made by check or reverse the payment back to the payee. If the money is collected and no additional returns are received from your account after five (5) business days, your payment services will be unblocked. You will then need to reschedule any payments that were canceled due to the blocked condition.

What if I forgot to make a payment and need it to be paid by tomorrow?

Our new bill payment system offers Expedited Payments which can be sent by the next day for an additional fee. Payees that receive electronic payments from Metavante can be sent an expedited electronic payment which will be sent as soon as possible after being initiated through the bill payment system. You will be charged an additional $5.50 fee per payment for expedited electronic payments. Payees that receive only paper check payments can be sent a paper check overnight. You will be charged an additional $19.50 including the overnight delivery charge for paper check expedited payment. Expedited paper check cannot be sent to a PO Box, nor outside the contiguous 48 United States. You are responsible to obtain the correct address for any overnight check payment. All expedited payments (either paper or electronic), once initiated cannot be changed or canceled.

Why do some of my Payees have different names than I entered?

Everyday Metavante is expanding their list of electronic payees and they continually search through your list of payees to match any addresses and account numbers that can now be electronic payments. When they find one, they will standardize the information such as payee name to match the relationship that they have to that payee. If one of your payee names is changed, you can change the information for that payee and make the payee nickname at the bottom of the page be whatever will be most easily identifiable for you.

What date should I enter in the box that requests a bill payment date?

The date you enter on the Bill Payer screen is not the date that the check or electronic payment will actually reach the Payee, but is the date that the payment process will begin. On the entered date, a debit will be sent to your account and Metavante Corporation will send the payment to the merchant either electronically or by paper draft. Several days are needed to complete this process. Bills that are paid electronically will be credited to the merchant within 3-5 business days. Bills paid by paper draft will take between 5-10 business days. You can use the calendar next to the box for bill payment date to estimate when a payment will be delivered compared to when it is sent. After you click on the "pay " button, the payment will show up under pending payments to the right and you can click the detail link to verify whether the payment is being sent electronically or as a paper check. Paper checks should be scheduled 5-10 business days in advance of the due date, and electronic payments should be scheduled 3-5 business days in advance of the due date.

What if I need to cancel a bill payment that I have scheduled?

You may cancel a payment any time before it is scheduled to be posted. On the scheduled pay date, you have until posting time of that day, which is 4:00pm. To cancel a bill, click cancel for the appropriate payment on the Payment Outbox section on the Make Payments page. Next, click Cancel Payment. Note: When you cancel a bill payment, you are responsible for any necessary notification or changes with the payee. Canceling a payment for a bill that we automatically pay has no effect on future bills from the same payee. If you want to cancel automatic or recurring payment for all future bills, you must cancel the payment rule for the payee.

What if I have paid a bill through Bill Payer, and the payee has never received my payment?

Keep in mind that an electronic payment may take up to 5 business days to post after your account has been debited. Allow at least 5-10 business days for the payee to receive a paper draft.

If you receive a late notice after having allowed plenty of time for the draft to be received and posted by the payee, contact the payee to confirm that they did not receive the draft after sending you the notice. If the payee has still not received the draft, call the Online Banking Manager at 215-579-3415, between the hours of 8:30am and 5:00pm, Monday through Friday. The Manager will begin to research the payment to determine the reason for the delay.

 

 

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