Please take a moment and review our "Privacy Statement" and our "Security Statement".

If you have any questions or comments call us at: 770-358-1100

FREQUENTLY ASKED QUESTIONS

Q. What are the bank's hours?

Q. Where can I access my account from an ATM?

We have ATM’s conveniently located at 165 Main Street, Milner, 339 College Drive, Barnesville, as well as at both the Barnesville and Zebulon Offices.

Q. What should I do if I find a mistake on my account statement?

The bank will correct any errors immediately. Just call a Customer Service Representative at the bank during regular business hours at 770-358-1100.

Q. What should I do if I lose my checkbook or my Debit card?

You should call the bank immediately if you have lost your checkbook or Debit card! You can ask to speak to a Customer Service Representative who will help you take the necessary actions. If you notice the Debit card loss after banking hours, you can call 1-800-500-1044 to report the card lost/stolen. You will also need to notify the bank to begin collection procedures. The quicker you notify the bank, the less liability you incur.

Q. I click on Bill Pay and it takes me back to the Account Overview page. Why?

You have a Pop Up Blocker running on your computer that is preventing the Bill Pay screen from coming up. In order to turn off the Pop Up Blocker in Internet Explorer: Open Internet Explorer, Go to Tools>Internet Options>Privacy. You may choose to turn off the Pop Up Blocker altogether or add the bank's website (fnbbarnesville.com and secure.onlineaccess1.com) to the list of sites where Pop Up's are allowed. If, after disabling the Pop Up Blocker in Internet Explorer, you still cannot access the Bill Pay screen, you may have another Pop Up Blocker enabled. Some common Pop Up Blockers include the Yahoo Toolbar and the Google Toolbar. You should edit the settings of these toolbars to allow Pop Up's from fnbbarnesville.com and secure.onlineaccess1.com.

Q. What is "Phishing"?

"Phishing" refers to a person or a group of cyber-criminals who create an imitation or copy of an existing legitimate Web page to trick users into providing sensitive personal information. Responding to "phishing" emails put your accounts at risk.

Large numbers of recipients are being "spammed," without actual knowledge of their banking affiliation. They request and collect email addresses and other confidential information like financial account numbers, IDs and passwords. The cyber-criminals have copied the logos and the content styles of widely known and respected financial institutions in an attempt to elicit a response from a recipient who may or may not be a customer of that financial institution.

As our customer and a user of our online banking system, we want to share with you a simple tool you can use when logging into your online banking accounts that can guarantee you never enter your login credentials in an unauthorized website.

Q. How do I use the anti-phishing tool?

You can begin using our anti-phishing tool the next time you log into the online banking system. Go to Preferences and click Security. There, you can create your own Phishing Protection Phrase. Once you enter that phrase and click Submit My Phrase, every time you log in you will see a box displaying that phrase hovering over the Login and Password fields. In order to log in, you will click on the box to close it.

Q. How does the anti-phishing tool work?

The Phishing Protection Phrase will display every time you log in. This is your assurance that you are in fact on our website and not on a phishing site, and that when you enter your login credentials, you can have confidence that you are not compromising your security. If ever, after you set up your protection phrase, you do not see the box hovering over the login fields when you go to login, you should not log into the site and, instead, you should contact us.

Q. What is Multi-factor authentication?

Multi-factor authentication consists of verifying and validating the authenticity of an identity using more than one validation mechanism.

Generally, this is accomplished by verifying:

• Something you are, in the form of identifying information, or biometric identification, such as an iris scan or a fingerprint.
• Something you have, for example a driver's license, or a security token.
• Something you know, such as a password or pin number.

Q. How does Multi-factor authentication affect me?

All financial institutions are required to enhance the security measures surrounding online services. For most banks, including the First National Bank of Barnesville, this means adding an additional step to the login process. On April 2, 2007 ALL First National Bank of Barnesville Internet Banking customers will be required to use a password and a Brower Token to access their accounts.

Q. What is a Browser Token (cookie)?

A cookie is a little piece of information that is placed on your computer by our website that assists us in validating you. It is specifically tied to your user name and password. It is generated once, requiring you to enter a one-time password during the login process. After you have successfully entered this one-time password, you will not need to do so again. Using the login and password you have always used, we will look for the cookie on your PC and authenticate you.

Q. How do I get this One-Time Password?

We will contact you at the phone number or email you have saved in your Online User Profile. Once you have been successful in logging into your online account, you may add additional phone numbers or emails, up to a total three of each. During the process, you will see displayed the phone numbers and email addresses we have for you, and you will decide which one you need us to use at that time to deliver your password. Your password will be delivered almost instantly to your choice.

Q. I use multiple browsers; do I need multiple Browser Tokens (cookies)? What if I delete my cookies?

Since we are registering the browser itself, you would need to go through the One-Time Password routine for each browser if you use them. You will only need to register the browser you will be using to access online banking. We will accept multiple registrations at multiple locations. If you delete your cookies, you must re-register your browser using another One-Time Password. Please do not be concerned with the term “multiple browsers”. People who use more than one browser do it intentionally and will be familiar with the concept.

Q. I travel and need to access my online banking from different computers. Can you handle this?

Absolutely, you simply need to register the browser for that PC you are using at your locations. We will provide you a choice of “permanent” registration (similar to your home computer) or one-time use. This may be of value to our customers who are using a computer temporarily.

Q. I do not wish to store a “cookie” on my computer. What do I do?

You do not have to store a cookie (register your browser) if you do not want to do so. You will need, however, to use a One-Time-Password that is delivered to your phone or your email each time you login to Internet Banking.