Security Information


First Northern Bank is committed to ensuring that your on-line banking experience is safe and secure. While we have taken the necessary steps to put in place a security infrastructure, you also play an important role in protecting your accounts.

With the combination of our security and you practicing the following safeguards, your experience online should be safe and secure:

  • After the enrollment process, we will assign you a user identification and a temporary password. During your first time logging in, you'll be prompted to change the temporary password. Once you change the temporary password, only you will know it. Be sure to keep your password a secret. Do not write it down. Instead memorize your password, and never disclose it to anyone. Make sure no one watches you enter it and change your password if you suspect someone may know it. It is good practice to change your password regularly.
  • In order to provide the best performance to you when using our web-site, we do not send a "no-cache" command to browsers meaning the "back button" on your browser will work. Always sign off before visiting other Internet sites. We automatically sign you off after 10 minutes of inactivity but if you leave the computer signed on someone else could step in and press the "back key" and view account information.
  • If others use your computer, clear your browser in order to clear the web pages that have been stored in your hard drive. How you clear your cache will depend on your level of browser. Follow your browser instructions to "clear cache".
  • Maximize the security of your browser by reviewing the security options on your browser and always choosing the highest security settings available.
  • Keep your computer clean and free from viruses-use virus protection software.
  • We strongly recommend that you use a browser with 128-bit encryption to conduct secure transactions over the Internet.

Making Online Banking Safe and Secure

When you travel the Internet to access online banking, you want to be assured, first and foremost, that effective safeguards are in place to make your visit safe, secure, and reliable. When you use online banking to visit First Northern Bank, whether it's to learn about rates, to review your accounts or to pay your bills, you are entering a secure area. Measures First Northern Bank takes include the following:

Password Protection & PIN

Your password and PIN (personal identification number) are the first line of defense, and are your unique identifier. Be sure not to share them with anyone – most frauds involving hijacked accounts originate with someone the victim knows.

Multi-Factor Authentication

This form of identity verification provides added security be requiring multiple forms of identification, such as something you know (password or PIN) and something you have (ATM card, smart card).


Once online with First Northern Bank, your transactions and personal information are secured by encryption software that converts the information into code that is readable by only you and the Bank.

Privacy Policies

First Northern Bank's privacy policies protecting your personal information are stringent. Your confidential information is treated with the utmost care, meeting or exceeding federal and state mandates.


Browsers offer varying degrees of security, particularly in regard to encryption. Encryption helps to protect your private information so that it cannot be intercepted or read by a third party.

Encryption is a method of scrambling information for transmission between you and the bank. A key is needed to decode the information. For example, when you request information about your account to the bank your browser encrypts the information. When the bank receives the request, it is decoded and the information is sent back to you encrypted, then your browser decodes the information to read it.

There are various levels of encryption available on browsers. In order to determine when data is being encrypted, your browser will tell you. In the bottom of your browser window, there will be an icon that tells you if your banking session is encrypted.

BrowserIcon Indicating Secure (Encrypted)Icon Indicating Secure (Encrypted)
Netscape Navigator 3.0 Key Broken Key
Netscape Navigator 4.0 Locked Pad Lock Unlocked Padlock
AOL's Microsoft Explorer Locked Pad Lock Unlocked Padlock
Microsoft Explorer 5.0 Locked Pad Lock Unlocked Padlock
Microsoft Explorer Locked Pad Lock Unlocked Padlock

Please note: When using Microsoft Explorer 5.0 as your browser, there is an option that allows you to save your password for secure sites. If this option is enabled, the browser will prompt you to "save passwords" and from that point forward the password you selected will be stored and the browser will sign on to online banking without requiring you to enter a password each time. We STRONGLY RECOMMEND that this option be disabled because anyone who opens your browser could access your account information without needing the password. If you choose to enable this option, you should make every effort to explore other lock down methods for your personal computer.

Using the "key and locked example, we'll describe 40-bit and 128-bit encryption. The difference between these two types of encryption is one of capability. Exponentially one is more powerful than the other.

  • 40 bit encryption means there are 2 x 10 40 power possible keys that could fit into the lock that holds your account information. That means there are many billions (a one followed by 12 zeros) of possible keys.
  • 128-bit encryption means there are 2 x 1088 power (a three followed by 26 zeros) times as many key combinations than there are for 40-bit encryption. (128-bit encryption has 2 x 10128 power.)

If you are currently using a browser with 40-bit encryption, PLEASE UPGRADE NOW. By using a 128-bit browser and digital identity verification, you are protected by the highest level of encryption commercially available.

Most browsers let you check your level of encryption:

Netscape browsers: To check our level of encryption, go to the "View menu, select "Page Info", and look under the line that begins "Security."

Microsoft browsers: To check your level of encryption, go to the "File" menu, select "Properties", and then select "Security." Another way is to select "Help" then "About Internet Explorer."


We employ many strategies such as firewalls and filtering routers to ensure unauthorized users are blocked from our computers.

Digital Identity Verification

We have a digital server certificate by RSA Security Inc. that your browser uses each time you sign on to verify that you are connected to First Northern and protects your transactions over the Internet.


First Northern is constantly evaluating its security architecture to ensure that it provides the highest level of privacy and safety for bank customers. Our security team watches site activity for anything out of the ordinary.


Cookies are messages a web server ( gives to a web browser (used by you). A cookie is a way for a web site to recognize whether or not you have visited the site before. The cookie cannot be read by a web site other than the one that "set" the cookie. Most cookies only last a single session. They do not read your hard drive.

Our Website

Our Website is not designed to collect personally identifying information about our site users. We use standard software to collect generic information about you such as your Internet Service Provider's domain name, the pages you visit, and the date and time of access. We use this information to create summary reports and statistics in order to determine the level of interest in information available on our website. You may elect to provide us with personal information via email, online registration and surveys; however, this information is only used internally, as appropriate, to handle your request. It is not shared with or sold to other companies.

Some areas of our website may use a "cookie" to allow the web server to log the pages you use within the site and to know if you have visited the site before. Cookies also store customer-defined preferences for features such as stock tracker, weather and favorite links available on First Northern Bank's portal.


Email is not necessarily secure, and we ask that you do not provide personal or account information through email.

Linking to Other Sites

Please remember that when you use a link to go from our website to another website, our Privacy Policy is no longer in effect. If you are asked to provide information on one of those websites, we strongly urge you to first carefully study their Privacy Policies.

Children's Privacy

Our website is directed to a general audience. We do not knowingly solicit or collect personal information from children on our site.

If you would like more information about your rights to privacy, please click here, FDIC: New Rights to Privacy. If you have questions regarding First Northern Bank's privacy policy, please telephone your branch or send us an email. You may also write us, or stop by one of our branches and discuss your questions with one of our employees.

Thank you for choosing to bank with us. We appreciate your business and will continue to provide the superior service that you've come to expect from First Northern Bank.