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Frequently Asked Internet Banking Questions

Banking

Q: Are my deposit accounts FDIC insured?
A: Yes. The basic insured amount of a depositor is $250,000. Deposits maintained in different categories of legal ownership are separately insured.

Q: How do I set up Direct Deposit of my payroll check?
A: After your account application has been approved, you will receive our routing and transit number and your account number. Your employer usually provides a form and this information is required. If you have questions simply stop in to or call any office of First National Bank of Milaca and we'll help you personally.

Q: How can I prevent an overdraft on my account?
A: We offer two products that can assist you with this goal. Ready Transfer is a service that will transfer funds from one account to another to prevent an overdraft. We also offer Ready Reserve, which is a loan based service that automatically transfers funds from a pre-approved loan. If you are interested in more information or would like an application for these services please stop in or contact us. There are nominal fees for these services that may be more affordable than our regular overdraft charges. Not all accounts are eligible.

Q: How do I set up Direct Deposit of my Social Security check?
A: After your account application has been approved, you will receive our routing and transit number and your account number. Simply stop in to any office of First National Bank of Milaca and we'll help you personally.

Q: Can I get information about my account by phone?
A: Yes! Account information is available with our Customer Service Representatives during business hours at any of our offices or ask about our Telephone Banking System for automated account information 24 hours a day.

Q: Is interest paid on my checking account?
A: Yes! If you want a checking account that pays a market rate of interest, check out our NOW Checking account.

Q: Can I open an account if I don't live in the United States? What if I live in the United States but am not a citizen yet?
A: At this time, we only accept applications from persons residing within the United States with valid U.S. tax identification numbers (Social Security Numbers). If you have questions, contact us. We'd like to hear from you.

Q: Can I do all of my banking with you?
A: Yes! Thanks to the convenience of Direct Deposit and ATMs, everyday banking activities can be performed on your own time. Contact us with questions about your banking needs.

Q: Can I look at all of my transactions at any time?
A: Yes! With Online Banking and Mobile Banking, you have access to your account information 24 hours a day, 7 days a week!

Q: How frequently is my information updated?
A: Your account information is updated every business day with new transactions that posted to your account that day. However, electronic transactions may be handled differently. Refer to the EFT disclosure for more information.

Q: Are wire transfers possible to and from my checking account?
A: Yes! Funds can be transferred to and from accounts by wire transfer or via ACH (Automated Clearing House) debits or credits. Contact us for details.

Q: How do I make a deposit to my account from a remote location?
A: You can do most of your banking by using direct deposit, ATMs or ACH (Automated Clearing House) transactions. We also offer a bank-by-mail service, which allows you to mail non-recurring deposits. Contact us for details on a method that's best for you.

Q: When do I have access to use Internet Banking?
A: With Online Banking, you have access to your account information 24 hours a day, 7 days a week!

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Internet Banking And Mobile Banking

Q: What is Internet Banking and Mobile Banking?
A: Internet Banking is a tool that allows you to use a personal electronic device with an Internet connection to conduct your banking online. Mobile Banking allows you to download an app to conduct your banking online with an internet connection.

Q: What can I do with Internet Banking?
A: You can view account balances, transaction history, view checks, transfer money between FNB accounts, pay bills, and download transactions to a personal financial manager and much more. Check out the Internet Banking Demo to see all the features of Internet Banking and how you can personalize your online banking experience.

Q: What can I do with Mobile Banking?
A: You can check account balances and transactions, transfer money between FNB accounts, pay bills and search for ATM locations and offices.

Q: Is any of my personal information stored in the Internet Banking product?
A: Yes, the Internet Banking product stores your User ID, password and user preferences.

Q: How current is my banking information?
A: Your account information is updated every business day with new transactions that were posted to your account the previous business day.

Q: What accounts will I be able to access through Internet Banking?
A: You can access your checking, savings, investment and loan accounts from the Internet banking service. Our Internet Banking Product is intended to give you as much access, security, and versatility as possible.

Q: How much account information can I view at once?
A: The system will automatically show the current month's transactions and information. However, by selecting User Preferences, you can choose to view the current month and the previous month. Or, you can choose to view your account from the current date to same date of the previous month.

Q: Can I view my account details in more than one way?
A: Yes, you can view your accounts by date, check number, payee, amount or balance in ascending or descending order.

Q: What formats can I download my transaction history in?
A: Internet Banking supports downloads to Quicken™, Microsoft Money™ or as a comma-delimited text file.

Q: Can I schedule future transfers?
A: Yes, click on the transfer tab and enter the criteria for the transfer and submit.

Q: When can I use Internet Banking services?
A: With Internet Banking, you have access to your account information 24 hours a day, 7 days a week, as long as you have an Internet connection!

Q: Is there a demo available for me to try?
A: Yes, we have an Online Banking Demo that is available under the help center tab on the home page of our site. A Mobile Banking Demo is available to view under electronic services, mobile banking.

Q: How long can I be inactive before being logged out of the Internet Banking product?
A: The inactivity time out is set for 10 minutes.

Q: What is required to use the Internet Banking service?
A: All you need to use Internet Banking is a secure browser that supports 128 bit encryption, such as Microsoft Internet Explorer®, Firefox® or Google Chrome®. You can use any computer that has Internet access.

Q: How do I access Internet Banking?
A: You must first complete the Internet Banking registration form and submit it to us. Once your registration is received we will process your request. An email will be sent once your request is processed. You must have an existing checking, savings or loan account before banking online.

Q: How do I access Mobile Banking?
A: You must be an Internet banking user. Search for “First National Bank of Milaca” in your app store. Log in with your access ID and passcode from your online banking account. Answer the challenge question. Read and accept terms and conditions. Enter your device’s phone number.

Q: What happens if I forget or lose my password?
A: If you have not locked yourself out of your account you can use the forgotten passcode feature. Otherwise you can call us and we will take you through the steps needed to get you back into the system.

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Bill Pay

Q: What is bill payment?
A: Bill payment is a way to centralize your payees to one site and fund the payments from your checking account. Approval and setup of payees is required.

Q: Is it possible to schedule recurring payments?
A: Yes. You can schedule weekly, semi-monthly and monthly recurring payments. The final payment of a recurring payment scheme is designated by a 'Final Payment Date.'

Q: How do I register for electronic bill payment?
A: Bill Payment registration is easy! The first time you attempt to access the bill payment section of Internet Banking, you will be prompted to CLICK HERE to request bill pay services. Next you will choose the checking account that you want to add bill pay to. Choose basic with bill pay and click on submit. The registration information is then transmitted to Metavante for their approval process. That’s it! You will receive a confirmation email when you are able to start adding payees.

Q: When I add a new payee to my bill payment account, or change my account number, how quickly will the change take place?
A: When you update the information for the bill payment account, the changes are implemented virtually instantaneously. Changing a funding account can take up to 48hours.

Q: Can I use electronic bill payment with all my accounts?
A: No, only checking accounts can be used for bill payment purposes.

Q: When can I start using electronic bill payment?
A: You can begin bill payment once you have received an emailing confirming approval.

Q: When is bill payment available?
A: You can schedule payments 24 hours a day, seven days a week.

Q: Are my bill payment transactions reflected as Internet Banking transactions?
A: All bill payment transactions become part of the Internet Banking transaction history and show up in personal financial management applications when the transaction history is downloaded.

Q: How do I add new payees?
A: You can add payees by accessing the Add Payee screen. New payees will be added to the payee list immediately.

Q: Can bill payment be used when I am out of the country?
A: Bill payment provides you with peace of mind when you are traveling for an extended period of time. All you need is access to the Internet with a secure browser and you can pay your bills while out of the country. Payees must be located within the 50 United States and Territories.

Q: Who can be paid using the bill payment system?
A: Anyone in the 50 United States and territories who can accept a check can be paid using the bill payment system. You can pay practically anyone- charge accounts, utilities, auto loans, professionals, even a lawn service or a relative. However, tax payments (such as federal, state and local) and court directed payments (such as alimony and child support) cannot be processed through our online bill payment system.

Q: Can I pay my bills on the weekend?
A: You can set up your payments during the weekend. However, the system will prohibit you from scheduling a single payment and the first of a recurring payment on the same weekend. This is because payments scheduled for the weekend are always processed on the Friday before. Therefore, when scheduling payments on a weekend, the first day for which you can schedule payments (single or recurring) is the first business day following the weekend.

Generally, single or recurring payments that fall on a Saturday, Sunday or bank holiday are processed on the previous business day and are debited from your account within two business days. If a bank holiday falls on either a Friday or Monday, the debit will occur within three days.

Q: If I schedule multiple bill payments for a single day, how will my account be debited- as a lump sum or separately?
A: Each bill payment is debited separately.

Q: What if I do not have sufficient funds on the day Metavante, our bill payment providers, debits my account?
A: Following is a summary of Metavante's Insufficient Funds procedure:

  • A block will automatically be placed on all accounts that have an ACH debit returned to bill payment services. No additional bill payments will be processed until the account is properly funded and the return(s) cleared. If a payment request is received while the account is blocked, a letter will be sent notifying you that the payment(s) will not be processed. A copy will also be sent to the Financial Institution.
  • Upon the first return, Metavante will automatically re-send all ACH returns under $100.00. Exception: debits for payments in which the credit portion was sent electronically will be resent regardless of the dollar amount without financial institution verification.
  • Metavante will contact the financial institution to verify all returns exceeding $100.00. If funds are available, they will re-send the return(s). If funds are unavailable and if the payment was made by check, a stop payment will be placed.

Q: How is my account debited?
A: Your account is debited via ACH.

Q: What is ACH?
A: Automated Clearing House is a funds transfer system which provides for the interbank clearing of electronic entries for participating financial institutions.

Q: If I make an error in selecting an electronic payee and it results in a late fee, am I responsible for the charges?
A: If you select an electronic payee with an address that is different from that indicated on the payment coupon, then you are responsible for the late fee. You always have the option to manually enter a different address for a payee.

If you select an electronic payee with the address that matches that indicated on the payment coupon, and M&I routes the payment incorrectly, then Metavante will take responsibility for the late fee.

Q: How do I place a 'stop payment' on a bill payment?
A: A payment may be edited or deleted anytime before the "process date." Payments that have been remitted electronically cannot be stopped.

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Security Tips

The Internet banking service has several effective security techniques that we encourage you to implement when you use the Internet banking service:

  1. Never reveal your password to anyone or leave your password anywhere that someone else can obtain and use it.
  2. Change your password on a regular basis.
  3. Use the Exit button to end each Internet banking session. Do not use the Back button to exit the site.
  4. Change your session timeout in User Options to a time that meets your needs.
  5. Balance your account on a regular basis. Internet Banking makes it easy!

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