Exciting Changes at FNB


First National Bank is gearing up to make some great changes to better your overall banking experience! All the pieces will come together on September 25th as FNB will be going through a core processing system conversion which offers great things for our customers including a newly designed website, new online banking, new mobile app and more! We're going to do everything we can to make this conversion as easy as possible for you. In the coming weeks, we will be providing more and more details to help you understand what to expect before, during and after the conversion is complete on September 25th.

Conversion Timeline

August 25th & Ongoing: Begin conversion communication with customers on website, FAQ page, email communications, mailings and more.

September 11th: New Debit Cards will be mailed out to customers.

September 22nd: Online Banking, Bill Pay and Mobile app will be down as of 6pm. Customer cards will be limited to certain amounts during the weekend. See below for the limit details.

September 23rd: FNB branches will be closed.

September 25th: Core conversion is complete. New debit cars are active and old debit cards deactivated around 3am. New website, online banking and mobile app will become live throughout the day.

General Information:

What is a core processing system? Why is First National Bank converting?

  • The core processing system is the computer software that First National Bank uses to maintain our customers' information and assists us in our daily banking functions like opening accounts, servicing loans, processing customer deposits and withdrawals and much more! At First National Bank, our mission is to improve lives through community banking. In our effort to do so, the Bank decided to upgrade our core system that paves the way for an introduction of new products and enhancements to better your overall banking experience.

Is my personal data and funds safe during the conversion?

  • Yes, your personal account information and funds will all be converted safely and securely during the conversion.

When will the system conversion take place?

  • The full system conversion will take place on Monday, September 25th. Beginning September 22nd, online banking, mobile app and website will be offline in preparation for the conversion on September 25th. Our branches will be closed Saturday, September 23rd to help prepare for the conversion. Debit and ATM cards will be active but with some restrictions as noted below.

What new benefits will be available after the system upgrade?

  • With our new core processing system comes new, exciting enhancements that will improve your overall banking experience with First National Bank including a new website, new online banking, new mobile app and many product and service enhancements. Read on for more details.

Newly Designed Website:

Will the web address stay the same?

What will be different about the website?

  • The new website will have a new clean, contemporary design. There will be fewer pages making it easier to navigate through the site to get the information you need. The site will also have a responsive design, meaning it will adapt to the screen size and device you are using; tablet, computer, phone, etc. Plus check out our new product and service video library with great resources for all your banking questions!

Online Banking & Mobile Banking App:

Preview our new Personal Online Banking, Business Online Banking

and Mobile App!

Will I be able to access Online Banking during the conversion?

  • Online banking will be down from September 22 at 6pm and should be available the morning of September 25th. During this time, our Online banking will be going through an upgrade with new and better enhancements to better your banking experience.

Can I use the Mobile Banking App during the conversion?

  • No, Mobile Banking will be down beginning on September 22nd beginning at 6:00pm and will be available the morning of September 25th. Mobile Check Deposit will not be available after 3:00pm on September 22nd.

Will my Online Banking User ID change?

  • No, your Online Banking User ID will not change. However, Retail Online Banking users will need to enter their User ID in all lowercase letters. Business Online Banking User IDs will stay the same as well, however, they will be case sensitive.

Will my Online Banking password change?

  • Yes, to ensure your Online Banking account is secure during the conversion, your password will be reset to a temporary password. Be sure to look for a secure message through your current Online Banking for information on what your specific temporary password will be prior to September 22nd.

Will I have to register for Mobile Banking again?

  • Once you have reset your Online Banking password you will not have to re-register your mobile banking app.
  • You will need to redownload the app from your App Store.
  • When logging into Online Banking for the first time you will be presented with three ways to do your Mobile Banking: Mobile App-using normal Smart Phone App Web Browser- accesses your accounts through Online Banking via your web browser on a mobile device SMS Text Message Banking- ability to send text to a short code and get your balance

Do I need to download the new Mobile App?

  • Yes, for customers who have the current app, you will need to delete the current Mobile App and download the new e-Fnb Mobile Banking App from the Apple Store or Google Play Stores. Search "e-FNB Mobile Banking App" to find the new app. The new Mobile App will be available sometime on September 25th.
  • Mobile Check Deposit should be available within a few hours after conversion is complete on September 25th.

Will all my accounts still be linked to my Online Banking?

  • Yes, all your accounts linked to your current Online Banking User ID will transfer as a part of conversion. If for some reason you see something out of the ordinary, please let us know immediately.

Will I be able to access Online Bill Pay?

  • Beginning Friday, September 22nd, Online Bill Pay will be down until September 25th. No need to worry, Online Bill Pay will remain the same as it is today which includes Popmoney. Rest assured, your prior scheduled payments will run as scheduled, even with the system being down. However, you will not be able to edit or schedule new bill payments from September 22nd to September 25th.

Will Fingerprint Authentication be available with the new Mobile App?

  • Yes, for Apple phone customers, if you use Fingerprint Authentication to log in to your phone or other apps the same service or feature can be set up to access your e-FNB Mobile Banking App.

What new tools will be available with the Online Banking upgrade?

  • Customers can download the new CardValet app in the Apple or Google Play that allows customers to manage their debit card on their own from anywhere! You can set up various text alerts for each account and turn your cards on or off in case you misplace it.

Check out all the details and benefits of CardValet!

Will there be a separate Personal and Business Online Banking?

  • Yes, there will be separate Personal and Business Online Banking. Business Online Banking will be for business customers who want to register multiple users for their business accounts or would like access to additional features such as ACH management. If business customers do not need multiple users or ACH management services they can see their business accounts and do their banking through their Personal Online Banking user ID. Customers may only have one Personal Online Banking User ID but can see multiple personal and or business accounts through the one login.

Can business customers still register through Personal Online Banking?

  • Business Online Banking will be for business customers who want to register multiple users for their business accounts or would like access to additional features such as ACH management. If business customers do not need multiple users or ACH management services they can see their business accounts and do their banking through their Personal Online Banking user ID. Customers may only have one Personal Online Banking User ID but can see multiple personal and or business accounts through the one login.

Can a business pay another business in Online Banking?

  • If a business wants to pay another business in their Business Online Banking they will use ACH Manager or in Personal Online Banking the business can use Transfer Now to pay a business or transfer to other external accounts.

Will my external transfer information from/to other financial institutions carryover?

  • External transfers will need to be set up and verified again. This can all take place via Online Banking.

Will Quicken/QuickBooks information carry over after conversion?

  • Quicken and QuickBooks will both be down beginning September 22nd at 6:00pm. Customers who use these services should login and download the most recent transactions before September 22nd at 4:00pm. The first time logging in after September 25th users will need to go in and deactivate their current FNB extensions and activate the new FNB extensions. After conversion we will offer Quicken & QuickBooks via Web Connect and Direct Connect for Personal Online Users. We will offer Direct Connect for QuickBooks for Business Online Users. See below for instructions on how to deactivate and reactivate the First National Bank BID extensions and for Troubleshooting Guides.
  • If you are having navigation issues, Quicken ID issues or any other troubleshooting problems pertaining to Quicken or QuickBooks, below are support numbers that can be used for help:

Quicken: (650) 250-1900

QuickBooks: (877) 797-5809

QUICKEN

Direct Connect to Direct Connect:

Mac 15-16

Mac 2007

Windows


Web Connect to Web Connect:

Mac 15-16

Mac 2007

Windows


Web Connect to Direct Connect:

Mac 15-16

Mac 2007

Windows

QUICKBOOKS

Direct Connect to Direct Connect:

Mac

Windows


Web Connect to Web Connect:

Mac

Windows


Web Connect to Direct Connect:

Mac

Windows


Troubleshooting Guide

Debit Cards & ATM Questions:

Will my debit card continue to work during the system conversion?

  • Yes, the current First National Bank debit cards will continue to work up until September 25th. The current cards can be distinguished by a silver chip, silver hologram and white border around the MasterCard logo on the front of the card. Beginning Friday, September 22nd through Monday, September 25th debit cards will be limited to the daily card limits below:

Debit Card Limits

ATM Card

ATM Daily Limit: $205.00

Business Debit Card

ATM Daily Limit: $205.00

Point of Sale Daily Limit: $1,500.00

Consumer Debit Card

ATM Daily Limit: $205.00

Point of Sale Daily Limit: $500.00

Heath Savings Account Card

Point of Sale Daily Limits: $505.00

Will I be receiving a new debit card?

  • Yes, new debit cards will be shipped September 11th and should arrive in your home a few days later. The cards will arrive in a white envelope with a return address from First National Bank.

Will I receive a new ATM card?

  • No, customers can use their current ATM cards even after conversion.

When can I activate and use my new debit card?

  • Your new debit card can be activated as soon as it arrives, however, it cannot be used until September 25th. On September 25th, current debit cards will be deactivated. Feel free to use your current card up until September 25th.

How do I activate my new debit cards?

  • To activate your new card call (800) 992-3808 and you will be able to set your Personal Identification Number (PIN). For questions regarding your debit card, please call or visit one of our branches.

How can I tell the difference between my new and old debit cards?

  • You can distinguish your new personal checking account debit card by the gold chip and black coloring around the MasterCard logo on the front on the card. The hologram will be on the back of the card.
  • The new Business Debit Card will be a grey marble design with black printing, will have a gold chip and will say Business Debit.
  • The new HSA Debit Card will be blue and gray, with a gold chip and white text that reads Health Savings Account.

Will my new debit card have the same number?

  • Yes, the new debit card will have the same 16 digit number but a different expiration date. Be sure to update your card information with any vendors with which you have set up automatic payments using your debit card information.

Do I need to register my new card for MasterCard SecureCode?

Will my First National Bank Credit Card still work after conversion?

  • Yes, your First National Bank Credit Card will not be impacted by the conversion. There will be no lapse in access to your credit card account or information.

Account Questions:

Will my account number change?

  • No, your account numbers will not be affected by the conversion.

Will my Direct Deposit/ACH/Payroll Deduction be affected?

  • No, anything that you have set up will automatically be deposited or withdrawn from your account as usual.

Will my account history be transferred to the new system?

  • Customers will have 16 months of past account transaction history transferred over to Online Banking and that information will be available the end of week of September 25th or early the following week. For clients enrolled in eStatements, your previous 24 months of statement history will be available in Online Banking 4-6 weeks after the conversion date of September 25th. However, it is recommended that any past statements you prefer to see, be printed off from your current Online Banking site at your convenience and stored in a safe place for your viewing purposes.

Will I notice any changes on my statements?

  • The look of the statements will change, but the account information will remain the same. Your statements will now be broken out in chronological order instead of by debits and credits.
  • Please note that your current statement choice (paper or eStatements) will convert with the system conversion. All checking and savings customers will receive a paper statement on September 23rd regardless of your account cycle dates or chosen delivery method (paper or eStatements). There will not be a fee to customers for this paper statement.

Will the statement cycle change for my account?

  • The Rewards Checking statement cycle will now run from the 15th through the 15th of each month. As a result, Rewards Checking account customers will no longer receive a qualification calendar or an email to notify them if they qualified for the high interest. All rewards and ATM refunds will be provided real-time during the cycle once the account qualifications are met.
  • All Savings Accounts will now end their cycle on the last day of the month instead of the 25th. Statements will continue to be sent quarterly unless there is activity in the account during a month, then a statement would be sent.

What account changes can be expected with the conversion?

  • FNB will continue to waive the monthly service charge for Simply Savings customers who hold a $200 minimum daily balance. We will no longer waive the monthly service fee for Simply Savings customers who have a loan or an aggregate deposit balance of $25,000. First Choice Basic account customers will not be affected by this change as their options to avoid a monthly service charge will remain the same as they are currently (ie. $200 minimum balance, $25,000 aggregate deposit balance and an active loan with the Same Tax ID No).
  • eNotices will now be available, replacing some paper notices that customers receive today for Non-sufficient Funds, overdrafts and more. If a customer is already enrolled in eStatements, they are automatically enrolled in eNotices too. Similar to eStatements, clients will receive an email notification when a notice is ready to be viewed in Online Banking.