Cybersecurity and Fraud Prevention

Security Measures Added to Debit Cards

May 2016

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 over $199 will require your PIN instead of your signature. Restaurant transactions outside of Ohio over $399 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.

EMV Chip Cards Make Fraud More Difficult

May 2016

In May, FNB issued EMV Chip debit cards to all customers that previously had a 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.

Stay Safe Online

Click Here to learn more!

Social Engineering Red Flags


We all want to prevent fraud, however, it can be very hard to detect. This document contains tips and red flags to be aware of when using email. Being aware of these red flags may help prevent you from becoming a victim of fraud or being exposed to malicious computer viruses.

Click Here to learn more!


Click Here to see what we're doing to defend you against POODLE.


First National Bank is aware of the recent breach announced by Home Depot. As a reminder, if our Fraud Watch system contacts you directly, they will never ask for your complete card number or other personal information. First National Bank recommends that you view your account activity regularly and if you have questions or see any unauthorized or suspicious activity on your account, please contact us immediately.

10 Things You Can Do to Avoid Fraud

While con artists can be clever, many can be foiled by knowledgeable - and equally canny - consumers. Here are 10 things you can do to stop a scam.

Fraud-related articles by EPCOR:

July Monthly Security Tips

He Loves Me, He Scams Me

About EPCOR® – Your Electronic Payments Core of Knowledge

EPCOR is a not-for-profit trade association providing electronic payments and risk management information, education, support and national industry representation to over 14 percent of all U.S. financial institutions. EPCOR's purpose is to assist banks, credit unions and thrifts in maintaining compliance, reducing risk and enhancing the overall operational efficiency of electronic payments. EPCOR members include over 2,300 banks, credit unions, thrifts and affiliated organizations located in Arkansas, Illinois, Indiana, Iowa, Kansas, Kentucky, Missouri, Nebraska, Oklahoma, Ohio, Pennsylvania and West Virginia. For more information on EPCOR, visit