Terms & Conditions

Please read and accept the following First National Bank & Trust Online Banking Terms and Conditions Agreement to continue to the FNB Online Banking Enrollment Form.

 

First National Bank Online Banking Disclosures, Terms and Access Agreement

We've made signing up for online banking easy. To get the process started, please read the Online Banking Agreement below and continue by clicking on the "Accept" button.

Welcome to First National Bank's Online Banking!

Now you can bank wherever there is an Internet connection. Whether you are at home, the office, a hotel room or wherever you travel, you can access your First National Bank accounts.

The following information is provided in addition to your Depository Agreement, Electronic Funds Transfer Disclosure Statement and your Truth in Savings Disclosures. All of these agreements were received by you when you opened your account by mail when they have been revised. You agree these remain in effect and are binding on all online transactions. You should print and keep a copy of this agreement for future reference.

Privacy and Confidentiality

First National Bank is strongly committed to protecting your security and confidentiality. To ensure the privacy of your account information while you are online, you are only able to access your account with high security browsers. You must also provide both your account number and your password. If no action is taken within 15 minutes, you will be automatically logged off Online Banking.

Virus Protection

You agree that First National Bank is not responsible for any electronic virus that you may encounter using Online Banking.

New Services

From time to time, First National Bank plans to expand the services we offer our Online Banking customers. When such services become available, we will update this agreement and notify you of the new service. By using Online Banking after the new services are available, you agree to be bound by the terms contained in the revised agreement.

Authorization To Charge Accounts

You are responsible for all transfers you or your authorized representative make using Online Banking. You authorize us to debit your designated accounts(s) for any transactions completed with Online Banking. You agree that we may comply with transfer instructions entered by any one person using an authorized Access Code and Password, regardless of the restrictions placed at the account level, i.e., two signatures required or minor no withdrawal, etc.
If you permit another person to use Online Banking or give them your Access Code and Password, you are responsible for transfers or advances made from the deposit and loan accounts linked to your online applications even if that person exceeds your authorization.

Availability

Funds must be available in the account from which you wish to transfer funds on the date you enter the transaction.

Insufficient Funds to Complete Transfer

If your account does not have sufficient funds to complete a transfer, the transfer will not be completed.

Restrictions on Transfers from Savings and Money Market Accounts

Under Federal Reserve Board Regulation D, you may make an unlimited number of deposits or transfers into a savings or money market account; however, you may not make more than six transfers or withdrawals out of such an account per calendar month (not counting transactions made at ATM's, in-person transactions or automatic transfers). Transfers made by telephone, personal computer or funds automatically transferred from a savings or money market account to another deposit account for overdraft protection are counted toward the six total permitted monthly transfers or withdrawals. If you exceed the restrictions more than three times during a 12-month period, we will contact you about closing the savings or money market account or change the account to a regular checking account, whichever you prefer.

Correcting or Canceling Your Transfer

You cannot cancel your transfer after it has been entered into the Online Banking System and the information has been transmitted to us. You can correct information concerning a transfer before you send the information, and you can use Online Banking to reverse a transaction after it has been made.

Documentation and Verification of Transfers

The date and amount of transfers made through Online Banking will be shown on your printed statements for the accounts involved in the transaction.

Telephone Number for Notification of Unauthorized Use

If you believe your Access Code and/or password have become known by an unauthorized person or that someone has transferred money without your permission, call First National Bank at: 405-275-8830, during regular business hours, as soon as possible.

Fees

First National Bank does not currently charge a fee for setting up, maintaining or using our Online Banking service.

Bill Pay 

Bill pay services are available for $3.95 per month only if you elect to use this service.

Notifi Alerts

Your enrollment in FNBOkla Online Banking and/or Mobile Banking (the “Service”) includes enrollment to receive transaction alerts and notifications (“Alerts”). Alerts are electronic notices from us that contain transactional information about your FNBOkla account(s). Alerts are provided within the following categories:

  • Mandatory Alerts provide you with important account notifications, such as information about changes to your Online Banking password, PIN, or login information. You do not have the option to suppress these Mandatory Alerts.
  • Account Alerts provide you with notification of important account activities or when certain changes are made to your Service accounts, such as scheduled payments made, scheduled payments cancelled and mobile deposits. These Alerts are automatically activated for you. Although you may suppress these Account Alerts, we strongly recommend that you do not do so because they provide important information related to your Service accounts.
  • Additional Alerts must be activated by you to be enabled. These Additional Alerts can be accessed from the Manage Alerts menu within FNBOkla Online Banking and Manage Alerts menu within FNBOkla Mobile Banking.

Account Alerts and Additional Alerts must be managed and/or added online through the Service. You cannot maintain all Alerts though your mobile device. We may add new Alerts from time to time, or cancel old Alerts. We usually notify you when we cancel Alerts, but are not obligated to do so. FNBOkla reserves the right to terminate its Alerts service at any time without prior notice to you.

Methods of Delivery

We may provide Alerts through one or more channels (“EndPoints”): (a) a mobile device, by text message, (b) a mobile device, by push notification; (c) an email account, by an e-mail message; or (d) your FNBOkla Online Banking message in-box, by an e-mail message. You agree to receive Alerts through these EndPoints, and it is your responsibility to determine that each of the service providers for the EndPoints described in (a) through (c) above supports the email, push notification, and text message Alerts provided through the Alerts service. Please be advised that text or data charges or rates may be imposed by your EndPoint service provider. Alert frequency varies by account and preferences. You agree to provide us a valid mobile phone number or email address so that we may send you Alerts. If your email address or your mobile device's number changes, you are responsible for informing us of that change. Your Alerts will be updated to reflect the changes that you communicate to us with regard to your primary and secondary email addresses or mobile device number.

Alerts via Text Message

To stop Alerts via text message, text "STOP" to 99588 at any time. Alerts sent to your primary email address will be unaffected by this action. To restore Alerts on your mobile phone, just visit the Alerts tab in FNBOkla Online Banking and click the box next to your mobile number for the Alerts you'd like to receive again. For help with SMS text alerts, text “HELP” to 99588. In case of questions please contact customer service at 405-275-8830. Our participating carriers include (but are not limited to) AT&T, SprintPCS, T-Mobile®, U.S. Cellular®, Verizon Wireless, MetroPCS.

Limitations

FNBOkla provides Alerts as a convenience to you for information purposes only. An Alert does not constitute a bank record for the deposit or credit account to which it pertains. We strive to provide Alerts in a timely manner with accurate information. However, you acknowledge and agree that your receipt of any Alerts may be delayed or prevented by factor(s) affecting your mobile phone service provider, internet service provider(s) and other factors outside FNBOkla’s control. We neither guarantee the delivery nor the accuracy of the contents of each Alert. You agree to not hold FNBOkla, its directors, officers, employees, agents, and service providers liable for losses or damages, including attorneys' fees, that may arise, directly or indirectly, in whole or in part, from (a) a non-delivery, delayed delivery, or the misdirected delivery of an Alert; (b) inaccurate or incomplete content in an Alert; or (c) your reliance on or use of the information provided in an Alert for any purpose.

Alert Information

As Alerts delivered via SMS, email and push notifications are not encrypted, we will never include your passcode or full account number. You acknowledge and agree that Alerts may not be encrypted and may include your name and some information about your accounts, and anyone with access to your Alerts will be able to view the contents of these messages. 

In the event you wish to discontinue using First National Bank's Online Banking, contact First National Bank in writing at P O Box 68, Shawnee, OK 74802-0068. We may at any time, for any reason, terminate your Online Banking service. If you do not use your Online Banking access for 90 days, your access may be discontinued until you contact us.

By clicking on the "Accept" button, I agree that I have read and completely understand the above Online Banking Disclosures.

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