For Your Protection

Your financial security is our first priority. Over the past several months there has been a dramatic increase in fraud across the United States, especially in Ohio and internationally. Oftentimes, fraud occurs when a merchant system is compromised. If you previously made a purchase at that merchant, the fraudster likely has your information.


Based on the increase in this type of fraud, we put additional specific security measures in place for your protection. The additional security measures took effect Wednesday, May 4th, and will remain in effect until further notice. Our goal in putting these measures in place is to allow you the continued convenience of your debit card while reducing the risk of your debit card being used fraudulently.


Below are the security measures that took effect May 4th and will remain in effect until further notice:


  • All debit card transactions in Ohio over $399 will require you to enter your PIN (Personal Identification Number) instead of your signature.
  • All debit card transactions in the U.S. outside of Ohio will require your PIN instead of your signature.
  • All international debit card transactions, including international online purchases, will be blocked. If you will be traveling internationally or need the ability to make international online transactions, please call 419-384-3221 or submit a travel notification or secure message within online banking and we can make this feature available temporarily.

If you have questions or need to reset your PIN, please call 419-384-3221 or visit any branch.


In addition to these measures, you should have received a First National Bank EMV Chip debit card. The chip makes fraud more difficult by encrypting your card information into a unique code making it harder to steal or duplicate your card information.


To use your new chip card, simply insert the card in a chip enabled terminal at any merchant and follow the prompts to make the purchase. The added security may take a few additional seconds to process when making your purchase. If the merchant does not have a chip enabled terminal, swipe the card as usual. Nothing changes when you make phone or online purchases.


For full details visit our EMV Chip Card Frequently Asked Questions page.


For additional identity theft protection, visit our Lifelock page.


We will continue to provide you the convenience you want with the security you need. Thank you for being a First National Bank customer.