Important Information

At First National Bank and Trust (FNBT), we are committed to protecting you and your accounts.

We are writing to inform you of an ongoing scam targeting our customers. Fraudsters are posing as our bank's fraud team in an attempt to obtain debit card information and perform unauthorized transactions. Please be aware that we will never ask for your debit card details (PIN, CVV code, expiration date, full card number) or any other sensitive information over the phone. If you have shared your debit card or account information with anyone claiming to be from our bank, we urge you to take immediate action to protect your account.

Here's what you should do right away:

• Call us at 800-667-4401, option 5, to report the situation and seek further assistance. This number is available 24/7.
• Log in to digital banking and use the "My Debit Card" feature under Manage Money to lock your debit card for added security.

As a general guideline, be highly suspicious anytime you are not expecting a call or text regarding your accounts, and DO NOT provide personal information over the phone if you did not initiate the call or transaction.

For more information regarding Phishing and Identity Theft Prevention, visit FNBT’s Fraud Prevention Center on our website.

Your safety and the security of your account are our top priority. If you have any questions or need further assistance, please do not hesitate to reach out. 

Stay vigilant and thank you for being a valued customer. 

To enhance security and reduce the risk of fraudulent wire transfers, we encourage all customers to incorporate a verification process to verify wire instructions.

Best Practices for Verifying Wire Instructions:

• If wire instructions are sent or changed via email, always call the recipient using a verified contact number.
• Use a phone number obtained from an official website or a trusted source—do not rely on phone numbers included in the email, as these could be fraudulent.
• Avoid using contact numbers found through general Google searches, as fraudsters can manipulate search results.

Why This Matters:

Recently, we’ve seen instances of fraudulent wires caused by changes to wire instructions that were not verified by the sender. These fraudulent changes were later identified as scams.

Taking a moment to verify wire instructions directly with the recipient can help protect you from potential financial loss.

If you have any questions or need further assistance, please don’t hesitate to contact us at 800-667-4401.

First National Bank and Trust (FNBT) customers have reported a scam that is targeting individuals with a complex scheme: an Imposter Scam. Fraudsters pretend to be the bank and target unsuspecting individuals, tricking them into giving access to their funds. A text message that appears to come from FNBT asks the individual to confirm account activity. The urgent-sounding text message is designed to sound like an official message from the bank and asks the receiver to reply “yes” or “no” to a suspicious recent purchase. Shortly after responding, the fraudster impersonates the bank and calls the customer asking them to further verify fake transactions. They then claim to block the victim’s online banking account to conduct an investigation. In a guise to safeguard the victim’s money, a message with a temporary password is sent to the customer asking to “activate” their account by responding with their old password. Once this is provided, the fraudster now has access to the customer’s online banking account.

To combat these scams and safeguard your money:

• Do not respond to texts or emails that may warn of dire consequences if you do not validate your information immediately.
• If someone calls asking for information or wants you to act, tell the caller you will call back, then call 800-667-4401 to report the call. This number can be found on your bank statement or the back of your FNBT debit card. If the caller tries to convince you to stay on the phone, it’s a scam. Hang-up and call the trusted number.
• Refrain from transferring money to "protect" it; First National Bank and Trust will never require such action.
• Never divulge verification codes or passwords, as they can be exploited by scammers to access accounts.
• Do not click on a link received in an unsolicited email or text as it could give a criminal access to your personal information.
• Verify the legitimacy of any suspicious communication by contacting your bank directly, using a telephone number from bank statements, the back of your debit card, or the bank’s website that you know to be genuine.
• Promptly report any suspected fraudulent activity to First National Bank and Trust and the Federal Trade Commission (FTC) via ReportFraud.ftc.gov.

If you believe you have responded to a spoofed email or text, contact First National Bank and Trust immediately so we can protect your account and your identity. To learn more about Imposter Scams, visit the Federal Trade Commission website.

We have recently become aware of a Phone Phishing scam where fraudulent calls are being made in an attempt to gather digital banking logins. These calls come from a source using a number that has been spoofed to make it appear they are calling from First National Bank and Trust (FNBT). The caller pretends to be from FNBT’s Fraud Department to trick you into providing your digital banking login credentials. 

IMPORTANT: FNBT will never ask you for your personal financial information or online banking usernames and passwords. DO NOT give out your log-in information in response to an unsolicited phone call, email or text, no matter how official it may seem.

To protect yourself from this type of scam: 

• Do not assume that your bank is actually calling you, even if the bank name comes up on the Caller ID or you have your number saved in your phone.
• If you answer the call, tell them you can’t talk right now, hang up, and call the bank directly to confirm whether there is a problem with your account.
• Never give out personal financial information in response to an unsolicited text or phone call, no matter how official it may seem.
• If you are uncertain of the identity of the caller, hang up and initiate the call yourself using a known number.
• Never offer personal or account information via text or over the phone without verifying the sender’s or caller's identity.
• Do not call any phone number received in a voice message, text or email asking for personal information. It could lead you to a phony answering system.
• ​Do not click through any links on a text message if you are not certain of the identity of the texter.
• Do not respond to any text or email that may warn of dire consequences if you do not validate your information immediately. Contact the company to confirm the validity of the email or text using a telephone number or website you know to be genuine. Clicking on a link could give a criminal access to your personal information.

As a general guideline, be highly suspicious anytime you are requested to access a link within a text that you are not expecting or provide personal information over the phone if you did not initiate the call or transaction. Computer pop-up messages requesting remote access to your computer or requests to download screen sharing apps can also be suspicious. Use extreme caution anytime you are requested to provide personal information. 

For more information regarding Phishing and Identity Theft Prevention, visit FNBT’s Fraud Prevention Center on our website.

If you believe you have responded to a spoofed phone call, contact us immediately by calling our Customer Support Team at (800) 667-4401.

We have recently become aware of a Text Phishing scam where fraudulent texts are sent in an attempt to gather digital banking logins. These texts come from a source misrepresenting themselves as a transaction alert from a bank. The text contains a link to a fraudulent website which prompts the user to log in to online banking. 

IMPORTANT: FNBT will never include a link to confirm transactions within a text alert. DO NOT click through any links on a text message if you are not certain of the identity of the texter. 

To protect yourself from this type of scam: 

• Never give out personal financial information in response to an unsolicited text or phone call, no matter how official it may seem.
• ​Do not click through any links on a text message if you are not certain of the identity of the texter.
• Do not respond to any text or email that may warn of dire consequences if you do not validate your information immediately. Contact the company to confirm the validity of the email or text using a telephone number or website you know to be genuine. Clicking on a link could give a criminal access to your personal information.
• Never offer personal or account information via text or over the phone without verifying the sender’s or caller's identity.
• If you are uncertain of the identity of the caller, hang up and initiate the call yourself using a known number.
• Do not call any phone number received in a voice message, text or email asking for personal information. It could lead you to a phony answering system.

As a general guideline, be highly suspicious anytime you are requested to access a link within a text that you are not expecting or provide personal information over the phone if you did not initiate the call or transaction.

For more information regarding Phishing and Identity Theft Prevention, visit FNBT’s Fraud Prevention Center on our website.

If you believe you have responded to a spoofed text message, contact us immediately by calling our Customer Support Team at (800) 667-4401.

Cyber criminals are targeting people with a screen-sharing scam (also known as remote access fraud) to trick customers into sharing confidential information using screen-sharing tools. This scam involves downloading screen sharing or remote access software (such as AnyDesk, RemotePC or TeamViewer) which can then be used to access accounts or transfer money.

How it works:

Fraudsters try to impersonate representatives from banks or other well-known companies.  They initiate an invitation to connect through a text, email or phone call - wanting to help with an issue on their computer or account. They will direct victims to download screen-sharing tools and gain access to your computer screen or files and may ask you to log in to online banking sites in an effort to gain access to your login credentials (username and password) to steal your money. 

Actions to Avoid these scams: 

• Do not rely on Caller ID. 
• Remain vigilant when receiving unsolicited calls
• Never provide passwords or personal identification numbers (PINs) to others.
• Hang up if someone calls to ask you to share your computer screen or to ask for money and personal information. 
• Never give access to your computer to an unsolicited caller.
• Delete unused apps from your mobile device and laptop or desktop computers.  

FNBT is here to help. Please visit bankatfirstnational.com/security-tips for video resources to help protect yourself online. 

• Implement multi-factor authentication on your accounts. A password isn’t enough to keep you safe online. By implementing a second layer of identification, like a confirmation text message or email, a code from an authentication app, a fingerprint or Face ID, or best yet, a FIDO key,  you’re giving your bank, email provider, or any other site you’re logging into the confidence that it really is you. Multi-factor authentication can make you 99% less likely to get hacked. So enable multi-factor authentication on your email, social media, online shopping, financial services accounts. And don’t forget your gaming and streaming entertainment services!   
• Update your software. In fact, turn on automatic updates.   Bad actors will exploit flaws in the system. Update the operating system on your mobile phones, tablets, and laptops.  And update your applications – especially the web browsers – on all your devices too.   Leverage automatic updates for all devices, applications, and operating systems. 
• Think before you click. More than 90% of successful cyber-attacks start with a phishing email.  A phishing scheme is when a link or webpage looks legitimate, but it’s a trick designed by bad actors to have you reveal your passwords, social security number, credit card numbers, or other sensitive information. Once they have that information, they can use it on legitimate sites. And they may try to get you to run malicious software, also known as malware.  If it’s a link you don’t recognize, trust your instincts, and think before you click. 
• Use strong passwords, and ideally a password manager to generate and store unique passwords.  Our world is increasingly digital and increasingly interconnected. So, while we must protect ourselves, it’s going to take all of us to really protect the systems we all rely on. 

FNBT is here to help. Please visit bankatfirstnational.com/security-tips for video resources to help protect yourself online. 

Protecting Yourself from Identity Theft is Important

Your identity is one of the most valuable things you own. It’s important to keep your identity from being stolen by someone who can potentially harm your good name and financial well-being. Identity theft occurs when someone uses your name, address, Social Security Number, credit card or financial account numbers, passwords, and other personal information without your knowledge to commit fraud or other crimes. While the words may sound like a foreign language -- Phishing, Pharming, Vishing, Spyware, Dumpster Diving — they are actually techniques used by thieves to put your identity and finances at risk. And their attacks grow more frequent and sophisticated every year. Identity theft is the fastest growing crime in the United States. According to US Department of Justice statistics, it’s now passing drug trafficking as the number one crime in America.

How to protect your identity

The simple fact is you can protect yourself against most forms of identity theft. The first step is education. To make it easier to understand, we’ve divided identity theft into the five “Danger Zones.” Take a few moments to learn about each of the Danger Zones and the steps you can take to avoid being a victim. 
Watch the Video

We have recently become aware of a Computer Phishing scheme where fraudulent ads are presented as pop-ups on personal computers inviting the recipient to receive a free credit report by entering their credit card information. Please note, that you should always be suspicious of any advertisements in a pop-up, and First National Bank and Trust (FNBT) will never sell a service, or ask for personal information in this manner.

To protect yourself from this type of scam:   

• Make sure you have anti-virus and anti-spyware software installed on your computer, keep them updated, and run a full system scan at least weekly.
• Keep your computer operating system up to date, and your firewall turned on. 
• Use strong passwords for secure sites. These should include eight or more characters with random numbers, and change your passwords at least every six months.
• If you download anything from the Internet such as music, movies, or pictures, make sure you do so only from trusted websites. Downloads can be infected with spyware attached to the file. 
• Watch for signs of spyware - frequent pop-up ads, unexpected icons on your desktop, random error messages or sluggish computer performance are all signs of infection. Run a full system anti-virus and anti-spyware scan to safely remove. 
• Be careful when using public computers to perform any type of personal transactions. Just logging into a website may give away passwords and other private information if spyware has been installed on the computer. 

If you receive this type of pop-up, please verify first that no personal information was given. If any information was compromised, immediately contact us so we can take steps to help protect your accounts. 

Keep in mind, our one and Privilege Plus checking accounts include the following benefits as added protection:

• ID Theft Aid - including payment card fraud resolution and $2,500 in personal identity theft benefit
• ID Monitoring - designed to secure your personal and financial information

Visit our online resource center for additional information and education regarding Phishing and Identity Theft Prevention.