Secure. Flexible. Convenient.
That's what you experience with First National Bank & Trust's Online Banking and Bill Pay services.
With Online Banking, you can check balances, transfer funds between accounts or transfer funds to pay loans and more. Best of all, it's FREE!
Still unsure? Try the Online Banking Demo to see how easy it is to use!
Bill Pay is the convenient and secure way to schedule and pay bills on line. Simply set up the vendors or individuals you would like as payees and schedule the payments. For FNB&T Banclub customers, Online Bill Pay is FREE! To sign up today, click here !
Opening a New Account
WebBanking@FNBandT - Online Banking
Q: How do I apply for an Online Banking account?
A: You may enroll in Online Banking by either visiting the closest First National Bank & Trust branch location to complete a paper application or visiting www.FNBandT.com, clicking on the Online Banking link and linking to the application. You can either print the application and take it into the banking office or you can complete the entire application online.
When you enroll, your Online Banking system user profile is set, along with the defaults that will appear in some of the data entry fields in this program. You can always change these defaults through the Customer Information pages after you first enroll.
You will be notified as soon as the enrollment process is complete and the Online Banking system is available for you to use.
Q: If I sign up for Online Banking, will I still have access to my account via telephone if I'm not at my computer?
A: Yes. You can still access First Access 24X7 Telephone Banking anytime of the day or night.
Q: How much do Online Banking and Bill Pay cost?
A: Online Banking is FREE to all First National Bank & Trust customers! You’ll be able to access your accounts 24 hours a day, 7 days a week. You will also be able to check your current account balance, transaction details, transfer funds between accounts, and perform many self-service features like making stop payments and reordering checks. It’s truly your ‘one stop shop’ for banking.
There is a small monthly fee of $5 per month for Bill Pay. However, if you are a First National Bank & Trust Banclub customer, Bill Pay is FREE! Bill Pay will allow you to pay your bills within minutes and have a confirmation of payments made. You can also schedule regular payments ahead of time or on a recurring basis. You’ll never go back to licking stamps and filling out envelopes!
Q: Once I apply for Online Banking, which of my accounts will I be able to view online?
A: In addition to having access to your checking account, you can also view your savings, personal loans, mortgage loans…all online. These accounts will be listed in the Account Summary section once you login to Online Banking. Your accounts will be separated by category: deposit accounts, certificate of deposits and IRAs, and loan accounts.
Q: What if I have a question about my account?
A: There are three easy ways to contact the First National Bank & Trust concerning questions about your account. You may click, call, or visit.
1. Click (via e-mail)
Simply access the Mail icon in the top navigational bar to send a message or question to the bank.
To use this option:
- Select the envelope icon from the main navigation bar. The Message Center Page displays.
- Click ‘Send Message’ from the left frame.
- Enter your message in the message box.
- Click the 'Send Message' button once you have finished entering your message. If you do not want to send a message, click the 'Cancel' button.
- Once you are finished, you can click on any link and go to the selected page.
2. Call
If you would like to speak with a First National Bank & Trust representative, you can call the bank at 251-368-3148 during regular banking hours and someone will be glad to personally answer your question.
3. Visit
Another way to contact a First National Bank & Trust
representative would be to visit the bank branch location nearest to you during regular banking hours and someone will be glad assist you.
Security
Q: How safe is my account information with Online Banking?
A: Online Banking uses the latest and most innovative security technology available today. Technology such as Windows NT® and SQL (a powerful, relational database language), cryptography, firewalls, digital certification and authentication, are all utilized to make sure that all of your online transactions are secure and authentic.
Q: Where can I find more information about security?
A: Read the bank’s security policy for more detailed information. This document will provide you with all the information you need about how the bank keeps your account information safe.
Q: How can I be sure I am following the proper Online security measures on my own?
A: All transactions are encrypted for security, and the Online Banking system is as secure as using an ATM. There are, however, a few steps you can take to ensure your account information is secure.
- Never leave your Online Banking system user name and password where another person can find them.
- Always use the Exit option on the Main Menu to leave the Online Banking system when you're done.
- If you just close your browser, or move to another web page, you could be leaving your connection to the system open. This could allow another person to access your accounts if you step away from your machine.
Q: How does Online Banking work?
A: You first access the Internet via your Internet Service Provider or ISP. Once you’ve gained online access, you can then connect to the bank’s web site @ www.FNBandT.com. Click on the Online Banking button or link within the bank’s web site. This will take you through a series of firewalls and secure connections, which link you to the Online Banking server. This server houses the software you see when accessing your account information.
Online Account Access
Q: How do I access my account for the first time?
A: Enter the User ID and password assigned to you. The first time you log in, you will be asked to change the password to one that is more familiar to you. It's a good idea to change your password regularly.
- Select a password that has some meaning to you, but that would be difficult for others to guess.
- Please do not use your Social Security Number, phone number, address, birth date/family member's birth date, or anniversary.
- Use at least six characters, although eight is better.
- Avoid using single words or names.
- Try to include non-alphabetic characters, such as punctuation marks or brackets, in your password. You may also use special characters such as !, @ or &.
Q: How do I get my account information?
A: You may view your account information as a summary of all your accounts, showing the current balances, or you may also view more detailed account information for a specific account.
Once you are logged in to the Online Banking system, the Account Summary screen is displayed. This page serves as the system's "home" page. When you complete any activity, you should return to this page to view the results of each transaction. The Account Summary page lists all your accounts, with high-level information about each account. The nature of the displayed information depends on the type of account. Click on an account to get more detailed information about that account.
Q: How do I use my checking account with Online Banking?
A: The same way you always have. In addition to the convenience of online banking, you can still write checks and use the ATM as you always have. Only now with Online Banking, balancing your checkbook is much easier! You can view your current balance anytime of the day or night and view account detail to see which checks and deposits have cleared.
Q: How do I use the Account Detail Screen?
A: You can access the Account Detail screen by clicking on an account link on the Account Summary screen. This screen provides information for the selected account. Transaction history is displayed for Checking, Savings, Money Market accounts.
The top section of the Account Detail screen displays general account information, such as balances, number of debits or credits, and totals of debits and credits for this particular account.
The middle section of the Account Detail screen is the Transaction Display table. The first view of the Account Detail screen displays data for the last load (typically previous day information) of transaction information provided by the bank. For each transaction, you can see the effective date of the transaction, the transaction description, the number of the transaction (such as check serial number), and the amount of the transaction. The information is sorted by date, with most recent transactions first.
To view transaction information for this account in another sort order, such as Amount, Type, or Number, click on the column heading. An arrow indicates the primary sort column, and an up or down arrow will indicate ascending or descending order.
If images are available, the Image icon displays. To view a snapshot image of an item in the Transaction Display, click on the Image icon. You may see a fee verification page. If multiple images are available, a list of images displays. Select one to view the image.
The bottom section of the Account Detail Page contains Filter Criteria fields, where you can perform a filter of the data that you would like to view. Filter by all or some of the following: date range, amount range, number range, debits only, credits only, or debits and credits. Select another account with the dropdown account field without having to return to the Account Summary Page.
Once you have entered the filter criteria, click on the Apply Filter button. The Transaction Display table above refreshes with the results of your filter criteria selection. The filter criteria you entered may take a few moments to display, if the amount of data available is large.
Q: What do the underlined words on the Account Detail screen mean?
A: Clicking an underlined word or phrase takes you directly to that part of the Account Detail screen. Alternatively, use the scroll bar on your browser to scroll through the Account Detail information. Next, Previous, and Jump to Page options appear for accounts with multiple associated pages of information. Click Next to see the next page of data, click Previous to go to the previous page of data, and select Jump to Page from the drop-down list if you know which page of data you want to access.
Click on the Return to Account Summary link to go back to the Account Summary screen.
Q: How can I view my cleared checks online?
A: Click on the icon next to the check item in your Account Detail. Both the front and the back of the check will appear with options to enlarge your view or email the image to yourself by inputting your email address.
Q: How can I view my statements online?
A: Go to “View Statements” on your left hand navigation bar and select which month you would like to view. Once selected, a separate window will pop-up with all of your statement information for the particular month you selected.
Q: Now that I’m banking online, how do I deposit money into my account?
A: The same way you’ve always made deposits. An easy way to expedite salary deposits is to work with your employer to set up direct deposit of your paycheck into your checking account. This makes it very easy to receive your regular payroll check. The money is automatically credited to your account on your usual payment days. You can also visit the bank branch nearest you to make the deposit in person. Or, you can mail the deposit to the bank in a deposit envelope.
Paying Loans
Q: Can I pay a loan through Online Banking?
A: Yes, on the Pay Loans screen, you can simply make a loan payment or a loan principal payment by transferring funds from your Demand Deposit, Savings or Money Market account to your loan account. You can make a one-time payment, a future-dated payment, or a scheduled, recurring payment. To make a loan payment, click on the "Transfers and Payments" button on the main navigation bar and then click on the "Pay Loans" link on the option list in the left corner of the page.
Q: How do I make a one-time, current-date loan payment?
A: To create a loan payment or loan principal payment that you want to occur only once on the current day, do the following:
1. Select the type of payment you would like to make, whether it is a loan or loan principal payment.
2. Select the appropriate 'From' and 'To' accounts from the From and To Account dropdown fields by clicking on the down arrows. Enter the amount of the payment and select the payment type from the dropdown menu.
3. When you click on the "Proceed" button, the Pay Loans Verification Page displays recapping the information you entered on the previous page.
4. To complete the transaction, click on the "Complete" button.
5. The Pay Loans Confirmation Page displays summarizing your transaction and the confirmation number. Print this page for your records.
Q: How do I make a one-time, future-dated loan payment?
A: To create a loan payment or loan principal payment that will occur only once on a date later than today's date, do the following:
1. Select the type of payment you would like to make, whether it is a loan or loan principal payment from the Pay Loans screen.
2. Select the appropriate 'From' and 'To' accounts from the From and To Account dropdown fields by clicking on the down arrows. Enter the amount of the payment and select the payment type from the dropdown menu.
3. Click on the 'Show Advanced Options' button. The Schedule fields will be displayed.
4. At the Schedule fields, select the 'Pay On' radio button and enter the date on which you would like for the transfer to take place. This must be a future date after today's date. Confirm that the date you have entered is a business day.
5. At the Weekends/Holidays field, click on the radio button that indicates how you would like your transfer to be handled if you accidentally selected a weekend date or a holiday (You can have it occur on the previous business day or the next business day).
6. Click on the 'Proceed' button. The Pay Loans Verification Page displays recapping the information you entered on the previous page.
7. To complete the transaction click on the "Complete" button.
8. The Pay Loans Confirmation Page displays summarizing your transaction and the confirmation number. Print this page for your records.
Q: How do I make a regularly scheduled loan payment?
A: To create a loan payment or loan principal payment that you want to occur on a regularly scheduled basis, do the following:
1. Do not fill in any of the fields on the Pay Loans data entry page. Click on the 'Show Advanced Options' button below the fields. The Scheduled Transactions Page displays.
2. Select the type of payment you would like to make, whether it is a loan or loan principal payment.
3. Select the appropriate 'From' and 'To' accounts from the From and To Account dropdown fields by clicking on the down arrows. Enter the amount of the payment and select the payment type from the dropdown menu.
4. At the Schedule fields, select the description of the regular loan payment you would like to set up and fill in the appropriate fields. If a date is required for the type of schedule you select, this must be a future date after today's date and a business day for your financial institution.
5. At the Weekends/Holidays field, click on the radio button that indicates how you would like your payment to be handled if you accidentally selected a weekend date or a holiday (You can have it occur on the previous business day or the next business day).
6. Click on the 'Proceed' button. The Pay Loans Verification Page displays, recapping the information you entered on the previous page.
7. To complete the transaction click on the "Complete" button.
8. The Pay Loans Confirmation Page displays summarizing your transaction and the confirmation number. Print this page for your records.
Transferring Funds
Q: What does the transfer funds feature allow me to do?
A: The Transfer Funds feature allows you to move or transfer funds from one account to another. The screen asks you for the account that funds will come from, the account that will receive the funds, and the amount of the transfer. You can create a single funds transfer, a scheduled funds transfer, or a recurring, scheduled funds transfer. Transfers can be scheduled up to a year in advance.
Q: When will my transfer post to the receiving account?
A: All transfers initiated before 2:30p.m. CST will post on the same business day. Any transfers initiated after 2:30p.m. CST will post on the next business day. When the transfer is complete, the post date will be reflected on the transaction detail screen as cleared.
Q: What about transaction or service fees?
A: Unlimited funds transfer, along with viewing account balances and transactions is included with Online Banking. There is no additional cost to you.
Q: How do I sign up?
A: Funds Transfer is available to all Online Banking customers. No special sign-up or software is required. To begin transferring funds, simply click the ‘Transfers and Payments’ button on the top navigation bar and then click on ‘Transfer Funds’.
Q: How do I make a one-time, current-date funds transfer?
A: To transfer funds only once on the current day, do the following:
1. Select the appropriate 'From' and 'To' accounts from the ‘From’ and ‘To’ Account drop-down lists. Enter the amount of the transfer.
2. When you click on the 'Proceed' button, the Transfer Funds Verification Page displays, recapping the information you entered on the previous page.
3. Click the "Complete" button to continue.
4. The Transfer Funds Confirmation Page displays summarizing your transaction and the confirmation number. Print this page for your records.
Q: How do I make a one-time, future-dated funds transfer?
A: To transfer funds only once on a date later than today's date, do the following:
1. Select the appropriate 'From' and 'To' accounts from the ’From’ and ‘To’ Account drop-down list box. Enter the amount of the transfer.
2. Click on the 'Show Advanced Options' button. The Schedule fields will be displayed.
3. Enter a description, if any, of the transfer.
4. At the Schedule fields, select the Transfer On radio button and enter the date on which you would like for the transfer to take place. This must be a future date after today's date. Confirm that the date you have entered is a business day.
5. At the Weekends/Holidays field, click on the radio button that indicates how you would like your transfer to be handled if you accidentally selected a weekend date or a holiday (You can have it occur on the previous business day or the next business day).
6. Click on the 'Proceed' button. The Transfer Funds Verification Page displays, recapping the information you entered on the previous page.
7. Click the "Complete" button to continue.
8. The Transfer Funds Confirmation Page displays summarizing your transaction and the confirmation number. Print this page for your records.
Q: How do I make a regularly scheduled funds transfer?
A: To transfer funds between the same accounts for the same amount on a regularly scheduled basis, do the following:
1. Do not fill in any of the fields on the Transfer Funds page. Click on the Advanced Options button below the fields. The Scheduled Transactions Page displays.
2. Select the appropriate 'From' and 'To' accounts from the ‘From’ and ‘To’ Account drop-down fields by clicking on the down arrows. Enter the amount of the transfer.
3. Enter a description, if any, of the transfer.
4. At the Schedule fields, fill in the appropriate fields. You can enter a start date for this transaction, which must be a future date after today's date. Confirm that the date you have entered is a business day.
5. At the Weekends/Holidays field, click on the radio button that indicates how you would like your transfer to be handled if you accidentally selected a weekend date or a holiday (You can have it occur on the previous business day or the next business day).
6. Click on the 'Proceed' button. The Transfer Funds Verification Page displays, recapping the information you entered on the previous page.
7. Click the "Complete" button to continue.
8. The Transfer Funds Confirmation Page displays summarizing your transaction and the confirmation number. Print this page for your records.
Bill Pay Frequently Asked Questions
Q: What is Bill Pay?
A: Bill Pay lets you schedule and make payments as well as receive and pay bills online.
- You can pay anyone, anytime, anywhere in the United States, from your mortgage lender to your newspaper carrier.
- You can also set up repeating payments, such as a car payment or rent.
- You can schedule single payments up to a year in advance.
The only payments you cannot make through your bill payment service are court-ordered payments and state and federal tax payments.
Q: How does Bill Pay work?
A: There are two basic steps involved in using Bill Pay to make online payments:
1. Set up your payees.
2. Schedule payments.
When you first begin using the service, set up your payee list by adding the payees to whom you want to make payments. You only need to add each payee once. All of your payees are also listed on the Making One-Time or Setting Up Recurring Payments pages.
When you make a payment, you specify either the process date, the date that you want your payment initiated or the due date, the date that you want the payee to receive the payment. We recommend that you schedule your payment date two business days before the actual bill due date to allow time for electronic processing and five business days before for mailing if a paper check is sent. Each payee is different however and a suggested Lead Day is posted for each payee when you are scheduling your payment. Bill Pay determines whether a payment is sent electronically or by check, based on whether the payee accepts electronic payments and other guidelines.
Q: How secure is my bill payment and personal information?
A: Bill Pay uses several methods to ensure that your information is secure.
- User Name and Password: Your user name and password are unique identifiers that only you know. As long as you don't share your user name and password with anyone, no one can sign in to Bill Pay as you.
- SSL: Bill Pay uses SSL (secure sockets layer), which ensures that your connection and information are secure from outside inspection.
- Encryption: Bill Pay uses 40-bit or 128-bit encryption (whichever your browser supports) to make your information unreadable as it passes over the Internet.
- Automatic Sign Out: In addition, Bill Pay automatically signs you out of a session if you are inactive longer than ten minutes. It is best if you sign out immediately after you are finished scheduling and making payments.
Q: How do I change my personal information?
A: It's important to keep your personal information up-to-date so that we can contact you, if necessary. You can review your personal information on the Personal Profile page. Go to the Personal Profile page and click ‘Change Mailing Address or Change E-mail Address.’ Then modify your address, phone number, e-mail address, etc. and click ‘Preview Changes.’
Payee FAQs
Q: What is a payee?
A: A payee is any company, service, or individual you make payments to. Payees can be anyone who bills you, such as your phone or credit card company, or individuals, such as your landlord or newspaper carrier.
Q: Whom can I pay using my bill payment service?
A: You can pay anyone in the United States that you would normally pay by check or automated debit, with the following exceptions:
- State and federal tax payments
- Court-ordered payments
These payees sometimes require more information than can be put on a paper check.
Q: Do I need to contact the payees I decide to pay with Bill Pay?
A: No, you do not need to contact your payees if you use this service. We send each of your payments with your payee account number and payee information, so the payees are able to credit your account appropriately.
Q: Can I add the same payee to my payee list more than once?
A: Yes, you can add the same payee to your payee list more than once. You can add multiple payee accounts for the same payee as long as you have different payee account numbers. For example, if your phone company provides your home phone service and your cellular phone service, you can add the company as a payee twice by entering a different account number each time.
Payment FAQs
Q: What do I do if the payee has not received or credited my payment?
A: Sometimes the payee may not credit your account immediately after receiving a payment. If the payment is not credited in a reasonable amount of time, give our customer service team a call @ 1-800-925-6784 Monday thru Friday, 10am CST – 7pm CST.
Q: How can I confirm that a payment has been made?
A: After the payment date, check Payment History to see if the status of the payment is processed. If the status is processed, then the payment has been sent to the payee. You can also check to see if the funds have been withdrawn from your bank account. For example, check your next bank statement for the withdrawal. Or you can call the payee to see if they received and credited the payment. Sometimes it may take the payee a few days to credit your account.
Q: How do I cancel a payment?
A: You can cancel a payment while its status is Pending from the View/Edit Pending Payments page. After a payment's status is Processed, you can no longer cancel or change the payment.
Q: What do I do if the payment amount is incorrect?
A: If the payment amount is incorrect and the payment status is still Pending, edit the payment with the correct amount from the View/Edit Pending Payments page. If the payment status is Processed, you cannot change the payment amount. If you overpaid the amount, contact the payee to request a refund or a credit toward your next payment.
Q: What do I do if the payment date is incorrect?
A: If the payment amount is incorrect and the payment status is still Pending, edit the payment with the correct date from the View/Edit Pending Payments page. If the payment's status is Processed, you cannot change the payment date. Contact the payee if you have been charged late fees. They may waive the fees for you.
Q: What do I do if I have a duplicate payment?
A: If a payment appears twice **our system will not allow this to happen** and both payments are still Pending, cancel one of the payments and allow the other payment to process. If each payment's status is Processed, you cannot cancel either payment. Go to the Payment History page and click the payee name for more details and then click inquire about this payment to send us a message.
Q: What do I do if a payment went to the wrong payee?
A: If a payment went to the wrong payee or payee account number and the payment is still Pending, cancel the payment and reschedule it with the correct payee or payee account number. If the payment's status is Processed, you cannot cancel the payment or change the payee information. Check your payee information to make sure you entered the payee information and your payee account number correctly.
Q: How do I know what the status of my payment is?
A: Look for the payment in View/Edit Pending Payments or Payment History. The following describes the statuses:
- Pending indicates that the payment is scheduled to be made.
- Processed indicates that the payment is being processed. Payments can start processing as early as four days before your scheduled payment date or on your payment date. Normally, the payee receives the payment on the payment date and credits your account. Keep in mind that sometimes the payee may take a few days to credit your account.
Q: Are my payments guaranteed?
A: With the Bill Pay Guarantee, you can be assured that your electronic payments are safe and reliable. When your payments are processed through Bill Pay, you are protected in the unlikely event of unauthorized transactions or processing delays. Refer to your terms and conditions for additional information.
Q: Are all of my payments made electronically?
A: Many of your payments are made electronically—other payments are made by check. For example, some payees, such as individuals, cannot receive electronic payments, so a check is printed and sent to the payee. Whether a payment is made electronically or by check, the payment is processed to reach the payee on time.
Q: When is the money for the payment drawn from my bank account?
A: If the payment is sent electronically, the funds for the payment clear your account on the scheduled payment date. Otherwise, funds clear your account some time after the payee deposits or cashes the check. Keep in mind, however, that you should always have funds available to cover the payment on the scheduled payment date.
Q: Can I make payments from more than one of my First National Bank & Trust bank accounts?
A: Yes, you can make payments from more than one bank account. The account number you select when making a payment is the account your payments are withdrawn from.
Q: How far in advance of the due date should I schedule my payments?
A: Schedule your payments to be paid at least five business days before the actual payment due date. For example, if you have a bill due on the 15th of the month, schedule the payment date as the 10th of the month or earlier if the time period includes any weekends or holidays. The payment date is the day the payment is scheduled to be paid. Scheduling pay dates sufficiently in advance of the due date on the bill allows enough time for the payee to receive the payment and credit it to your account. Whether the payment is electronic or sent by mail, payees may not always credit your account on the same day that they receive the payment. Allow for extra time in this situation so the payment is not considered late, or contact the payee.
Q: What is the earliest payment date I can schedule for a payment?
A: You can schedule payment dates as early as today if your processing has not already occurred. This is usually early in the morning and payments can be scheduled up until the processing time.
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