• A good bank must be owned and operated largely by people of the community themselves.
• A good and successful bank can be organized only where there are strong and constant economic resources.
• The success of a rural bank can only be assured by community loyalty, sustained by a high-grade citizenship, supported by morals and religion.

All FNB debit cardholders have access to thousands of surcharge-free ATMs across the country. Find one near you at https://www.moneypass.com/atm-locator.html or contact your local branch for more information.

Yes, we offer several options, which should be offered to you at the time you open your account. Stop into a branch to learn more.

• Report your lost or stolen ATM or Debit Card immediately.
  • Call 419-384-3221 during regular business hours.
  • Call 800-472-3272 after hours.
• Turn your debit card on/off anytime in the mobile app.
• To report and dispute fraudulent debit card activity, drop this form off at any branch or mail it to: First National Bank, P.O. Box 329, Pandora, OH 45877

• Report your lost or stolen credit card immediately.
• Consumer Cards: 800-558-3424
• Business Cards: 866-552-8855

Call 866-552-8855; outside of U.S. call 701-461-1922.

Check fraud detection made simple. You provide the list of issued checks. We match any checks for payment against the list you provide. If the details match, the check is paid. If the details don’t match, you choose to pay or reject the check.

Zelle^® is a fast, safe and easy way to send money directly between almost any bank accounts in the U.S., typically within minutes.³ With just an email address or U.S. mobile phone number, you can send money to people you trust, regardless of where they bank.²

You can send money to friends, family and others you trust.²

Since money is sent directly from your bank account to another person’s bank account within minutes,³ it’s important to only send money to people you trust, and always ensure you’ve used the correct email address or U.S. mobile number.

To start using Zelle^® at First National Bank of Pandora, you must be enrolled in Bill Pay. If you are not already enrolled in Bill Pay, you can enroll by accessing our website and logging in to online banking. Locate the Payment Center tab and follow the instructions to complete the Bill Pay enrollment steps. Once enrolled in Bill Pay, you can access the “Send Money With Zelle^® ” tab in Bill Pay to complete a brief one-time enrollment to tell us which email address or U.S. mobile number and deposit account you would like to use to send and receive money with Zelle^®.

Note: Zelle^® enrollment is not currently available through the mobile app; however, you will be able to access Zelle^® with the mobile app once enrolled.

1. Don’t tell your passwords to anyone! Nobody should ask for your passwords, and you should never give your passwords to anyone.
2. Don’t use simple dictionary words, pets’ names, or people’s names for passwords. Avoid easy-to-guess numbers, such as your age, zip code, birthday or anniversary.
3. Use passwords that are at least 20 characters long. Do not write them down where they can be easily found.
4. Create a “pass phrase” instead of just one word (for example, $3 for the pirate hat). Or think up a few nonsense words that you can remember easily (for example, Betty was smoking tires and playing tuna fish).
5. Use a different password for each website. Do no use simple patterns like “password1,” “password2,” “password3,” or “amazon4me,” “netflix4me,” “yahoo4me” for different sites—those are too easy to guess.
6. Change your passwords for sensitive websites (such as your online banking or credit cards) every 60-90 days. Do not use easy-to-guess patterns when you change them.
7. If you think someone may have learned your password, change it immediately. Then check the websites where you use that password for any signs of misuse—starting with your online banking.
8. Sometimes websites ask you to enter the answer for a “security question” you can use if you forget your password. Make your answer to the security question just as hard to guess as your password.
9. If your bank or webmail offers you extra security features, use them!
10. Use the password procedures your company requires, and at home consider using a password manager like KeePass or Password Safe. Password managers make your internet use a lot safer and easier.

• Know where your card is at all times. Notify First National Bank immediately if it is lost or stolen.
• Keep your Personal Identification Number (PIN) a secret. Never write it down anywhere, especially on your card.
• Never give your PIN to anyone. FNB will never ask you for your PIN.
• Be aware of your surroundings, particularly at night. Never approach an ATM if you feel unsafe.
• Never approach an ATM after dark if the lights at the ATM location do not seem to be bright enough.
• Cover the ATM keyboard with your hands or body so others cannot see you enter your PIN.
• Always take your receipts or transaction records with you when you leave.
• Do not count or visually display money you received from the ATM; put it away immediately.
• When using a drive-up ATM, always keep your car running and doors locked.

• If you connect it, protect it. No matter what device you are using, it’s best practice to make sure you have the latest security software, web browser, or operating system to prevent viruses and malware. A simple way to make sure these items are up-to-date is to sign up for automatic updates, if able.
• Never click and tell. Try to limit the type of information you put out on your social media platforms. Avoid you personal address and your daily routines as these details are what criminals can use to target you online and in the real world. Make sure that your sensitive and personal information like Social Security numbers, bank account numbers, and passwords are kept private. If you’re going on vacation, try to keep your plans off social media until you get back. Disable your location services while you’re away so people can’t see where you’re going and when you’ll be there.
• Speak up if you’re uncomfortable. Let your friends and family know if something they post about you makes you feel uncomfortable or is inappropriate. Remember that everyone has different levels of how much they want the world to know about them and it’s important to respect those boundaries.
• Report suspicious or harassing activity. Do not be afraid to report or block harassing users. Report an incident if you are a victim of cybercrime to your local authorities.
• Remember, there is no “Delete” button on the Internet. As they say, “Share with care.” Even if you delete a post, tweet, or picture from your social profiles immediately after posting it, chances are somebody already saw it.
• Update your privacy settings. You can set your privacy and security settings to a level you are comfortable with when information sharing.
• Connect only with people you trust. Social media is used to connect, but sometimes you may receive random a request from someone on the complete opposite side of the world you don’t know. One of the best ways to prevent cybercrime is to connect with the people you already know and trust.

• Don’t respond to a job advertisement or social media post that promises easy money for little effort.
• Don’t help someone you’ve met online (possibly on a dating website) or over the phone by agreeing to receive and transfer money.