Q. What does the phrase Multi-Factor Authentication (MFA) mean? A. This means the security system will be monitoring your online banking behavior. For instance, the security system will collect data about the methods you use to access your online banking information i.e. Do you access online banking at home or from work? It collects this data and establishes a pattern specific to you. It will analyze these patterns for a minimum of 30 days. Once the system has established a pattern for you, the MFA feature will prompt you to answer three verification questions. Whenever the MFA feature thinks you have varied from your established pattern, you will be prompted to answer 2 of your 3 verification questions to verify your identity. MFA also means you will be asked to select a picture starting March 19th 2007 to act as a confirmation that you are at First National Bank's website.
Q. What is the authentication image, and how does it work? A. Starting March 19th 2007, you will be prompted to select a picture to act as a confirmation that you are at First National Bank's website. This picture will appear when you enter your personal ID prior to entering your password. After completing login, this image will also appear in the lower left corner of the account listings page. Once setup of your authentication image is complete, verify your picture prior to entering your password at each subsequent login.
Q. What if I get an error message when I answer my challenge questions? A. You should try to enter your information again. If you fail to successfully answer your security questions after 3 attempts you will be taken out of Online Banking completely and will not be able to log back in. A designated FNB employee will have to unblock your account.
Q. Are the answers that I supply to my challenge questions case sensitive? A. No, answers are not case sensitive.
Q. Can I change my challenge questions after setup? A. Every six months you will be asked if you want to change your security questions.
Q. Can I change my authentication image? A. Yes, you can change your authentication image at any time. To change your picture, just double click your picture on any of the pages where it appears after log-in. You will then be presented with a screen to change your picture.
Q. Can I access Online Banking from multiple computers? A. Yes, FNB Online Banking is accessible from any computer with internet access. When you log-in from a computer that you have not used for FNB Online Banking before, you could be asked to answer two of your three challenge questions to verify your identity.
Q. What is Net Teller? A. Online banking that allows our customers a secure and convenient access to their accounts using the Internet anytime of the day, any day of the year. Some of the functions available with Net Teller are: Access and print information on all accounts including loans Review and print transactions and statements Confirm deposits, withdrawals and checks cleared Transfer funds between accounts and make loan payments Download transactions to the leading financial management programs
Q. How do I use Net Teller? A. After you enter your PIN on the first screen of Net Teller, you will be shown a list of your accounts and the balance in each. If you want more detail, or want to carry out a transaction, just select the function from the pull down menu for the account you are interested in and press the "submit" button. Any additional pages will have actions buttons on them that lead you through your transaction.
Q. What if I get an error message? A. If you get an error message please make a note of the message, the error number and the time. Then simply call the Internet Branch Manager at (865) 986-3546 and we will make every effort to resolve the issue as soon as possible. If after hours, questions may be e-mailed to the bank at service@fnbtn.com.
Q. What happens if I don't log off the system? A. Net Teller has a 10 minute time-out feature. If you are logged in for 10 consecutive minutes without using the program, you will have to log in again to resume banking.
Q. Who do I contact when I have a question about my Net Teller? A. Contact the Internet Branch Manager for First National Bank at (865) 986-3546. After hours questions may be e-mailed to service@fnbtn.com.
Q. What kind of browser do I need to have? How do I know if my browser utilizes 128 bit encryption? A. Net Teller supports Netscape Navigator™ 4.75 and higher, and Microsoft Internet Explorer™ 5.5 and higher. AOL and other browsers need to verify that your version supports SSL encryption. Your browser must support 128-bit encryption. Attention AOL users: You can download the most current version from your AOL access page. You can check your browser security now.
Q. How do I register to use Net Teller? A. A one time application is required to sign up for Net Teller. Once this form is received by the bank with account information, we will issue a Bank ID number and a PIN (Personal Identification Number). Upon your first visit to the Net Teller site you will be asked to select a PIN of your choice and that PIN will be used whenever you access Net Teller.
Q. What do I need to access Online Banking? A. You will need a connection to the Internet, and a Web Browser which supports 128-bit SSL encryption. Netscape Navigator™ 4.75 (or higher) or Microsoft Internet Explorer™ version 5.5 (or higher) both support this encryption. You may contact either of these vendors for a current copy of their browser. Online Banking works on any operating system that supports the browser listed above including, but not limited to, Windows 95, Windows 98, Windows NT and Macintosh. You also need accounts with our bank and an assigned user ID and PIN.
Q. Do I need to use my account regularly? A. After 150 days of non-usage, your account will be in a dormant status. To reactivate your account, please call 865-986-3546 for assistance. After 180 days of non-usage, access to the SYSTEM will be discontinued. To reopen your account, please call 865-986-3546 with your Netteller ID. If you no longer know your Netteller ID, a new application must be submitted. Applications can be printed from the BANK's homepage or are available at each office.
Q. Why am I being asked a question when I try to log-in? A. The systems' security feature has detected a change in usage patterns. Challenge questions are being asked to verify your identity before allowing any internet transactions.
Q. What's new in Net Teller? A. First National Bank is in the process of implementing system enhancements to further secure your private account information. We will ask you to create security questions that only you will know in order to verify your identity. You will set up your security verification questions one time, and then you will be presented with them at random when you access your account information or make certain transactions with Netteller. These security questions help us protect your account information.
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