Answers to Frequently Asked Questions

General Product Questions

1.  What is Online Banking?

Online Banking lets you use a personal computer and telephone line (modem) to perform many banking activities via the Internet, including viewing your account balances, transferring money, paying bills and more.

2.  How much does Online Banking and/or Bill Pay cost?

Online Banking is FREE when you use it to access account information, balance your checkbook and conduct transactions such as account transfers, etc.

Bill Pay Service is FREE with an unlimited number of transactions as long as you use it at least once every 90 days.  Inactivity lasting 90 days or longer will result in a $10 fee per month.

3.  How do I sign up for Online Banking?

If you currently have a First Northern Bank checking account,

You have 3 ways to sign up.  For your security we will identify you prior to providing access.

1. From our Web Site at www.thatsmybank.com
   a) click on "Online Banking"
   b) click on "Enroll Now" and complete the enrollment form
   c) Then, contact us at 1-877-FNB-6000 to obtain your User ID and a temporary password.
2. Visit any one of our branch Banking Services Representatives to request the service.
3. Or call Online Support at our toll-free number 1-877-FNB-6000.

Please visit one of our branches and open an account.  You can sign up for Online Banking at the same time.  Online Banking will be ready for you to use within 1 business day.

4.  How long, after signing up, do I have to wait to use Online Banking?

Online Banking access will be available to you within 1 business day if you request this service before 3:00 p.m. on a regular business day.  Access will be available within 2 business days if the service was requested after 3:00 p.m.

Note: If you signed up via the Online Enrollment Form, you must contact the Bank to obtain your User Login ID and temporary password before you can access Online Banking.

5.  How do I log onto Online Banking for the first time?

The Online Banking Login is available on all pages of our web site.

1. Enter the Login ID and temporary Password the Bank gave you. Complete the "Customer Information" screen. 
2. You'll be required to change your temporary password at this time.
• Your password must be 8 to 20 digits in length.
• For a more secure password, we suggest you use a combination of upper and lower case letters, numbers and/or special characters (-*@&~).
• Do not make it something that can be easily guessed or figured out. (i.e. your nickname, middle name, etc.)

You are able to change your password any time you log on to Online Banking.  Simply click the "change password" box on the Log In screen, then follow the directions.

• The password must be 8 to 20 digits in length.
• For a more secure password, we suggest you use a combination of upper and lower case letters, numbers and/or special characters.
• Do not make it something that can be easily guessed, like a nickname, middle name, etc.

Call Online Support at 1-877-FNB-6000 from 9:00 a.m. to 5:00 p.m., Monday through Friday and they can reset your current password or we will issue you another temporary password.

6.  What accounts can I access using Online Banking?

You can access any checking account, savings account, certificate of deposit, or loan you have at First Northern Bank on which you are a signer.
Note: Accounts with special signing restrictions/requirements will restrict Online Banking capabilities.

7.  How do account transfers work?

Transfers requested before 2:00 p.m. on a regular business day will be processed that same day.  Transfers requested after 2:00 p.m. (or on a weekend or Bank holiday) will be processed the next business day. 

8.  Can I transfer to and from any account or loan?

Account transfers are allowed to and from most checking, savings, and Reserve Account- Lines of Credit for which you are an owner or an authorized signer on the account. 

Exceptions: 

• IRAs, Certificate of Deposits, and accounts with special signature requirements/restrictions are excluded from transfer transactions.
• Loans and "Holiday Savings" accounts are limited to "Transfer to…" transactions (payments).

9.  Can I use Quicken® or Microsoft Money® with Online Banking?

Yes, you can export posted transactions from Online Banking history to your Quicken®, or Microsoft Money®.  Please refer to the Help icon "?" which is located on the Export screen within the main History menu.

10. How much history is maintained on My accounts?

You'll be able to view up to 45 days of transaction history beginning with the date you sign up for Online Banking.

11.  How far back can I go to look at monthly account statements?

You can view and print your monthly/quarterly checking or savings account statements beginning with March 31, 1999.  Simply select the month you want to view!

12.  Is one Online banking service available for both My personal and business accounts?

Yes! We have a Cash Management Module which is designed for all business owners.  It has tools specifically designed to meet the needs of your business.  Small business owners can also link all of their personal and business accounts under one Login ID. Please refer to the Cash Management for Business section below for more details.

NOTE:  There are security restrictions within Cash Management that limits access to the Bill Pay Service to one specific PC.  Therefore, if you wish to access your business/personal accounts from more than one computer (say, home and office) you will need an additional Login ID for the second location.

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