First National Bank of Bellville

First National Bank of Bellville is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through December 31, 2011, all noninterest-bearing accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the overage available under the FDIC’s general deposit insurance rules.

New Federal Regulations will affect the way we pay overdrafts on ATM and debit transactions. To continue to have access to your overdraft protection, simply tell us "Yes" you'd like to opt-in.

There is no fee to opt-in to the protection. You will only incur a fee if we cover an overdraft for you. You only need to opt-in one time and you can change your mind later.

Whether you need it or not, it's nice to know you're protected. Choose "Yes" to opt-in and continue to enjoy the same overdraft coverage you've had all along.

ID Protection Service is a comprehensive Identity Theft Protection solution. As a subscriber, you will gain the peace of mind knowing that ID Protection Service includes robust Detection, Reimbursement and Resolution services.

ID Protection Service monitors your credit files from one or more credit reporting agencies for specific changes such as inquiries, new accounts, change of address, delinquencies and public records. If a change is detected, an alert is sent to you. The monitoring plan includes:

Constant monitoring of your credit files as reported from credit reporting agencies
Email notification alert of changes to your credit files
Online access to all alerts generated from ID Protection Service
Ability to request copies of your Credit Reports with credit score

First National Bank's Info-Net allows you to do your banking over the Internet from the convenience of your home or office. With Info-Net you can securely:

view account balances,
view daily transaction detail,
transfer money between accounts,
receive account alerts when a balance goes above or below a certain amount
and much more!

Click here to sign up or explore a demo of FNB's Info-Net! Commercial customers click here.

FNB is now offering online bill pay FREE!! Try our online bill pay today. You’ll be glad you did!

Information security is a top priority of First National Bank of Bellville. You will NEVER be asked to furnish personal information, such as social security numbers, account numbers, or passwords via email or other electronic means. If ever asked to furnish any personal information, please ignore the request and contact the bank directly at 800-235-5737. As always feel free to contact us with any questions or concerns.

Consumers and businesses often lose thousands of dollars in transactions with con artists.

There’s been explosive growth in counterfeit personal and business checks, cashier’s checks and money orders in the last few years, due in part to new technologies and the growth of the Internet for transactions among strangers. But, what’s especially troubling is that individual consumers and businesses are losing significant sums in these scams – often thousands of dollars – because they deposited a check from a stranger, withdrew the funds and then sent money or merchandise before their financial institution discovered that the check was fraudulent.

In these cases, the depositor most likely will be held responsible for the entire amount of the fraudulent check. Why? Because by depositing the check and withdrawing money, the consumer is taking responsibility for the funds that have been spent or sent before the check is found to be worthless. And often the withdrawal cannot be cancelled or reversed, especially with wire transfers, in which funds are transferred out of the account immediately. Also, the person who receives the check usually is in the best position to realize that it may not be good.

IDENTITY THEFT
Tips for Safeguarding Your Information. Click here to learn more.

Online Banking has always been secure. Online users are asked to submit a unique User ID and Password to validate their identity and “authenticate” themselves online in order to gain access to personal account information. But now First National Bank of Bellville has added a powerful extra layer of online security.

How does this new security system work? Online users will be presented with a secret picture and key phrase called a PassMark, upon each login to Online Banking. Both the user and the Bank will confirm that the security data is correct. By passing back information that only you, the user knows, you can be confident and feel even more secure with your online banking experience. Click here for more information on our new security feature. Please click here for a quick reference guide.