Text Size

FAQs

Online Banking

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 NetTeller 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

After you enter your NetTeller ID and Password, 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. Any additional pages will have actions buttons on them that lead you through your transaction. Please see our user guide.

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.

NetTeller 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.

A one time application is required to sign up for NetTeller. Once this form is received by the bank with account information, we will issue a NetTeller ID number and a password. Upon your first visit to the NetTeller site you will be asked to select a password of your choice and that password will be used whenever you access NetTeller.

You will need a connection to the Internet, and a Web Browser which supports 128-bit SSL encryption. Microsoft Internet Explorer™ version 7.0 (or higher), Safari for Mac (Version 4.0 and higher), and Mozilla Firefox (Version 3 and higher) all 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, 98, NT, 2000, XP, Vista or greater and Macintosh. You also need accounts with our bank and an assigned NetTeller ID and Password.

NetTeller supports Microsoft Internet Explorer™ 7.x and higher, Safari for Mac Version 4.0 and higher, and FireFox 3.0 and higher. Your browser must support 128-bit encryption.  

You can check your browser security now. 

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.

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 to act as a confirmation that you are at First National Bank's website.

No, answers are not case sensitive.

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.

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

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.

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.

All same day transfers made Monday through Friday before 4:00 p.m. will show in your account immediately. Transfers will not be available through the ATM until the following business day. All transfers made on a weekend, bank holiday, scheduled or requested after 4:00 p.m. will be processed one business day later.

Select transfers from the drop down list at the account listing page that you want to transfer funds from. Once the screen loads, click the word ‘New’ on the left part of the screen. You will then be able to setup a re-occurring transfer.

Immediately sign on to Internet Banking and change your current Password and NetTeller ID under the "Options" tab. You can also contact the First National Bank Operations Department at (865) 986-3546 for assistance.

Yes, NetTeller does give you the capability of re-setting your own password should you forget it. This feature must be turned on by you before being able to utilize it however. Once successfully signed in to online banking, click the options tab. Fill out your self password reset question and answer and make sure there is a valid e-mail address entered. Once you have these three values entered, you can utilize the self password reset feature whenever you forget your password. The “reset password” link is found after entering your NetTeller ID at account login.

You must be a sole or joint owner on an account to have it added to your profile. If an account falls in this category and is not shown on your listing, simply call our Internet Branch Manager at (865) 986-3546 to have it added. After-hours requests may be e-mailed to service@fnbtn.com.

New accounts do not automatically appear on the NetTeller system. Phone customer service and ask to have this account added to your profile. You must be the sole or joint owner of the account to have it added to your profile.

A maintenance form is available by contacting our Internet Branch Manager at (865) 986-3546.

Mobile Banking

The JHA mobile solution is phone device agnostic. It works with any web-enabled mobile phone device whose network allows secure SSL traffic.

You have access to all of the following:

  • View Transaction History
  • View Account Balances
  • Transfer Funds between accounts
  • Pay Bills to existing Payees
  • View Alerts

Each time you make a transfer or bill payment, a confirmation SMS Text Message will be sent to your mobile device. If you do not receive a confirmation text message, double check to make sure the transaction went through.

Log in to your First National Bank’s online banking site > Select Options > Mobile Settings > Deselect Activate Mobile Banking Access > Click Agree.

Since your account data is not stored on your mobile device, your information cannot be stolen. When you replace your device, simply edit your Mobile Settings and make any changes to the Wireless Provider and/or Phone Number.

Functionality is limited to sending payments to already established payees. To add a new payee, log in to the online banking site, select Bill Payment, and add a new payee. You can then submit payments to that payee via your mobile device.

When you complete a transaction from your mobile device (bill payment, funds transfer, etc.) you will receive an SMS Text Message as confirmation that the transaction was successful. If you do not receive this message due to a dropped call or lost signal, check your accounts and re-submit any transactions that did not process.

If you simply get a new phone, but are using the same phone number and provider, no changes on your part are necessary. If you switch providers and/or phone numbers, log in to your NetTeller account via the Internet and update your information on the Options > Mobile Settings page. You will not receive SMS Text Messages regarding Mobile Banking transactions if your phone number is not correct.

You will only be able to view 15 days worth of transaction history on your mobile device. There is not a search feature.

Yes. You can access your accounts via any mobile device that is web-enabled and allows secure SSL traffic. The only difference is that SMS Text messages will be sent to the device entered when enrolling for mobile banking, not any device from which you perform a transaction.

No. You can only add payments to payees already established through your traditional Internet-based NetTeller ID.

You must log in to the Internet-based NetTeller ID and delete the payment from the main menu of the Bill Pay module.

Check your phone’s settings to make sure you don’t have Alpha-only enabled on the keypad.

There are a number of reasons that you may experience trouble accessing the mobile version of Internet banking on your phone. To use the mobile version, your phone will need to meet the following minimum requirements:
1. You must first enroll through traditional Internet banking before you can gain access.
2. Your mobile device must be web enabled.
3. Your mobile network must allow secure SSL traffic. (You may need to contact your mobile provider to determine this.)

Bill Payment

Electronic Bill Pay is available for all checking accounts. There are no charges associated with using First National Bank's Bill Pay service.

Yes. You can setup as many accounts as you would like from the "Add a Bill Pay Account" tab.

There are two types of payment – CHECK and ELECTRONIC.

Once you have set up the payee, look at the VIEW PAYEES screen to see how the payment will be sent.

For an ELECTRONIC PAYMENT, allow 3 business days from when the payment is submitted. For a CHECK payment, the check will be in the mail on the same day the payment is submitted if it is submitted before the 3:00 AM processing. If the check payment is entered before 1:00 PM, the check will be mailed the following morning. Allow 5 to 7 business days for a check payment. The payment date can be set for any valid future date.

You may add, edit, or delete a payment up to 3:00 AM on the day the payment is scheduled to be sent. If a same day payment is submitted between 3:00 AM and 1:00 PM it may be edited up until 1:00 PM.

If a SCHEDULED payment falls on a holiday or weekend, it will be paid on the Friday BEFORE the weekend, or the last working day BEFORE the holiday.

Any new payments that are scheduled during the weekend, for the current weekend, will be processed on the next business day. The same applies to Holiday processing.

Currently, a recurring scheduled payment can be set up in advance to any date in the future. A one time payment can be set up to be sent 5 years in the future.

Yes. You can set up recurring payments in the following frequencies:

  • Weekly
  • Bi-Weekly
  • Semi-monthly
  • Monthly
  • Quarterly
  • Semi-Annually
  • Annually

Processed - The payment has been processed and sent. Rejected NSF - The payment that you have tried sending has rejected due to Non-sufficient funds. NSF payments will keep trying until one of the following happens: the funds become available; if its a recurring payment and it expires, or if you delete the payment. Communication Failure - There was an error due to communication problems. The payment will try again during the next processing run. Vendor Refund - Payment rejected at the electronic vendor.

At this time, there is nothing that checks for multiple payments for the same amounts going to the same vendor on the same day.

There is no limit to the number of payees you can setup.

Once you have set up the payee, look at the VIEW PAYEES screen to see how the payment will be sent.

You can only pay bills to payees that our located inside the United States.

Yes. As long as you have a bank account in the United States.

Yes, Canceled checks can be viewed the same way you would view all other checks. Because the check is issued as if it came directly from you it can be viewed through Internet Banking. An image of the check will also be included in your statement (for applicable account types).

For ELECTRONIC payees, you are allowed to edit the alias name on the account, and the account number. If you need to change a merchant’s address for an ELECTRONIC payee, the payee must be deleted and re-entered.

You may edit all information for a CHECK payee only.

ELECTRONIC PAYMENTS are validated against the available account balance prior to processing, and CHECK PAYMENTS settle against your account like any other check, therefore, there is no dollar limitation on payments made through Bill Payment. You are limited only by the amount of funds in your account.

Only CHECK PAYMENTS can be stopped after the check is printed and mailed. Payment history will show the check number for that payment. The stop payment would be added in the same manner as for a regular check written out of your checkbook.

Bill payments made electronically will be immediately debited from your account. Bill payments made by check, will clear from your account once the item is presented by the payee, through their financial institution.

CHECK payments are handled in the same manner as a check written out of your checkbook against an insufficient balance. ELECTRONIC payments are verified for funds availability during processing. If the funds are available, the account that you selected for the payment will be debited and the information sent on to the electronic vendor for processing. If the funds are not available, the payment will not be processed and you will recieve a message to inform you that the payment could not be sent due to insufficient funds. Each day the payment will be resubmitted for you until either you delete the payment or the funds are in the account to make the payment.

Payment history for active and deleted payees is retained and viewable 19 months.

Contact our operations department at (865) 986-3546.