First National Bank is an independent, community bank, established in 1875. Our goal is to offer the very best personal service to individuals and businesses in Northern Ohio. Our Employees live and work in the communities we serve. They devote their time to coach local sports teams, serve on local not for profit boards, lead scouting groups and get involved in many other community activities.  We have a no nonsense approach to financial service. We believe that the most important function of a bank is to provide you with a safe place to keep your money while maintaining a caring customer focused attitude that includes the use of technology to enhance customer products and benefits. We have five (5) convenient offices available to serve you and several ATMs located throughout the area.

We are totally committed to serving the financial needs of each community we serve. We're safe. We’re Trustworthy. We’re Local. We're "Your Bank of a Lifetime^®" .

 

First National Bank News Announcements Community News Banking Holidays FNBLifetime.com Announcements Phishing Alert! We have been alerted by our ACH association that recently a phishing email was sent.  This information is being provided on behalf of NACHA.  Additional information on this issue may be found at NACHA's website. Tthe e-mail did not originate from NACHA, the website is not that of NACHA's, do not click on the link.  The subject line of the e-mail states: "Unauthorized ACH Transaction." The e-mail includes a link that redirects the individual to a fake Web page and contains a link which is almost certainly an executable virus with malware. Do not click on the link. Both the e-mail and the related website are fraudulent.   = = = = = Sample E-mail = = = = = = From: Information Sent: Thursday, July 22, 2010 8:27 AM To: Doe, JohnSubject: Unauthorized ACH Transaction Dear bank account holder, The ACH transaction, recently initiated from your bank account, was rejected by the Electronic Payments Association. Please review the transaction report by clicking the link below: Unauthorized ACH Transaction Report REGULATION E IMPORTANT CHANGES TO YOUR CHECKING ACCOUNT IMPORTANT NOTICE OVERDRAFT SERVICESINFORMATION  In compliance with the regulation on the Electronic Fund Transfer Act for overdraft services asdeclared by the Federal Reserve’s issuance of amendments to Regulation E, please read this important information about overdraft services.  What You Need to Know about Overdrafts and Overdraft Fees   An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in different ways: 1. We have standard overdraft practices that come with your account. 2. We also offer other overdraft protection plans which may be less expensive than our standard overdraft practices. To learn more, ask us about: ·         funds transfer via link to another deposit account ·         advance from a line of creditThis notice explains our standard overdraft practices.  » What are the standard overdraft practices that come with my account?  We do authorize and pay overdrafts for the following types of transactions: ·         Checks and other transactions made using your checking account number ·         Automatic bill paymentsAfter August 15, 2010, we will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below): ·         ATM transactions ·         Everyday debit card transactionsWe pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.If we do not authorize and pay an overdraft, your transaction will be declined.  » What fees will be charged if FIRST NATIONAL BANK pays my overdraft? Under our standard overdraft practices :·         We will charge you a fee of up to $ 30.00 each time we pay an overdraft.There is no limit on the total fees we can charge you for overdrawing your account.  » What if I want FIRST NATIONAL BANK to authorize and pay overdrafts on my ATM and everyday debit card transactions? If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (800) 860-7340 or any of our offices for assistance. If you wish to use our automated system to opt in you may call 1-800-328-3623.  Log in and follow the recorded instructions for Overdraft Opt In.  A confirmation notice will be mailed to you.    First National Bank still Strong and Lending! Now is the time to refinance or purchase that new home with rates at near record lows.  Why not get your mortgage loan from a local lender you know and trust?   Equal Housing Lender Lost or Stolen ATM/Debit Card Call 1-800-264-4274 to report an ATM/Debit Card lost or stolen after hours. FRAUD PREVENTION Beware of Phishing, Vishing and Smishing! PROTECT YOURSELF! ONLINE FRAUD PREVENTION TIP: The FBI and Banks are warning small business owners and consumers  to use two computers.  Utilize one computer to handle online banking activities and yet another entirely to surf the web and for email. This approach, while not as convenient, is the best way to prevent malicious software from infecting the computer and makes it much harder to manipulate electronic transfers.   Phishing is the criminally fraudulent process of attempting to acquire sensitive information such as usernames, passwords and credit card details by masquerading as a trustworthy entity in an electronic communication. Communications purporting to be from popular social web sites, auction sites, online payment processors or IT administrators are commonly used to lure the unsuspecting public. Phishing is typically carried out by e-mail or instant messaging, and it often directs users to enter details at a fake website whose look and feel are almost identical to the legitimate one. Vishing is the criminal practice of using social engineering over the telephone system, most often using features facilitated by Voice over IP (VoIP), to gain access to private personal and financial information from the public for the purpose of financial reward. The term is a combination of "voice" and phishing. Vishing exploits the public's trust in landline telephone services, which have traditionally terminated in physical locations which are known to the telephone company, and associated with a bill-payer. The victim is often unaware that VoIP makes formerly difficult-to-abuse tools/features of caller ID spoofing, complex automated systems (IVR), low cost, and anonymity for the bill-payer widely available. Vishing is typically used to steal credit card numbers or other information used in identity theft schemes from individuals. Smishing is a form of criminal activity using social engineering techniques similar to phishing. The name is derived from "SMs PhISHING". SMS (Short Message Service) is the technology used for text messages on cell phones. Scammers are working hard at trying to fraudulently get consumers money.  Please visit the Internet Crime webpage for details of some of the most common scams and protect yourself!  http://www.ic3.gov/crimeschemes.aspx Please visit our webpage at http://www.fnblifetime.com/protect_yourself_from_fraud.asp for details on how to protect yourself.   NACHA Phishing Alert NACHA Phishing Alert NACHA Issues Phishing Alert-ACH FRAUD on the rise, especially for ACH Originators-Protect your passwords-change frequently.   NACHA—The Electronic Payments Association announced that individuals and companies may have received falsified e-mails with the subject title “Rejected ACH Transaction.” The e-mail appears to be from NACHA and tells recipients that there is a problem with an ACH transaction they have originated.    The e-mail includes a link to a Web site that looks like the NACHA site and contains a link that is almost certainly a malware virus. The e-mail did not originate from NACHA, the Web site is not NACHA’s and recipients should not click on the link. Read Phishing Alert. (http://www.nacha.org/)   Gift Card Offer Want a $25 gift card for the holidays? Ask us how to receive a $25 gift card for referring a friend to First National Bank. E-Statements are Here! GO GREEN with First National Bank E-Statements! Ask us about signing up for electronic statements. It's easy and convenient! Community Banks: Safe, Secure and Solid These are challenging times.  Every day news reports spread misinformation and fear about our nation's economy. And in challenging times, consumers need to stick with the tried and true and the institutions that have served them well. Community banks are strong, safe, secure and stable financial institutions focused on doing what is best for our customers and communities. A community bank customer's insured deposits are safe in a community bank. No one has ever lost a penny of deposits insured by the FDIC. If you are concerned about the safety of your money, talk to your local community banker to get the straight facts. New Deposit Insurance Limits On October 3, 2008, FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013. You can also read the frequently asked questions on the FDIC website at http://www.fdic.gov/deposit/difaq.html. FDIC.org Brought to you by ICBA (Independent Community Bankers of America) CHECK HERE FOR COMMUNITY RELATED NEWS! Bellevue  Bellevue  Saturdays 7/10 and 7/24 Bellevue Downtown Open Air Market 9:00 a.m. to 1:00 p.m.  Come down and take a look at the offerings of many fine area vendors. Fridays 7/16 and 7/23, Saturdays 7/17 and 7/24, Sunday 7/18 Bellevue Society for the Arts presents its Summer Musical GYPSY.  Fridays and Saturdays at 7:30 p.m. and Sunday at 2:30 p.m. The BSA is located at 205 Maple St.  Call 419-484-ARTS to purchase tickets or for more information. Saturday 7/24 Mad River & NKP Railroad Museum Summer Block Party co-presented with First National Bank from 2:00-8:00 p.m. at the Railroad Museum.  Tour the museum (admission fee applies), take part in a Wing Eating Contest and enjoy many other activities. Tuesday 7/27 Community Free Meal served from 5:00 p.m. to 7:00 p.m. at St. Paul's Episcopal Church. Sunday 8/8 Rotary Club of Bellevue 7th Annual Golf Scramble at Twin Lakes Golf Course, 100 Decker St., Bellevue.  Registration begins at 12 noon with a Shot Gun Start at 1:00 p.m.  Cost is $60 per player and includes 18 holes of golf and cart, snack and steak dinner.  Register by 8/2/2010.  Contact any Rotarian for more detail. Port Clinton Area              Port Clinton Area    June 14- August 13  (1 Week Camps)   Champions for Children Summer Enrichment Camp Camp is 9:00 AM- 3:00 PM with before and after care available 7:30am - 6pm  Contact Jackie Warnicke, Coordinator, 419-732-2102 for costs and other details. Info available at www.pccsd.net     Activities include: swimming, participation in the Ida Rupp Library Summer Reading program, community partner projects, walking trips, field trips, family outings, daily indoor/outdoor recreational activities, thematic projects, guest presenters and much more! Ages: Port Clinton City School District Children grades K-6  July - August  River Front Live! Port Clinton Area Chzmber of Commerce Music Program -  Sponsored by Neidecker, LeVeck-Crosser Funeral Home North Jefferson Street- Pier  Live outdoor music every  Friday or Saturday weather permitting - check portclintonchamber.com for details of performers and dates. July - August-  Every Saturday 8am - 12 pm Port Clinton Farmers Market- Adams Street Park East Harbor State Park- Marblehead  419-734-4424 July 19, 2010 Magruder Hospital Auxiliary Golf Outing- Third Annual at CIC For more information call 419-734-3131 ext 3140 August 7 17th Annual Port Clinton Chamber- Jerry Lippus Memorial Classic Car, Truck & Bike Show-  Downtown Port Clinton-Madison Street  - for more information visit www.portclintonchamber.com Aug 06 Riverfront LIVE! Summer Music Program Karen Westgate and the Terra College Harp Ensemble 6:30 - 8:00 pm North Jefferson Street Pier Pavilion Port Clinton 419 734.5503 pcacc@cros.net www.portclintonchamber.com  Aug 07 Arts in the Park Lakeview Park Port Clinton 419.797.3313 Aug 07, 14th, 21st, and 28th Port Clinton Farmers Market Adams Street Park, Port Clinton 419 734.5503 pcacc@cros.net www.portclintonchamber.com Aug 13 Riverfront LIVE! Summer Music Program InChant, acappella 6:30 - 8:00 pm North Jefferson Street Pier Pavilion Port Clinton 419 734.5503 pcacc@cros.net www.portclintonchamber.com Aug 21 The Art of it All McCallum Gallery 724 W. Main St. Marblehead 419.798.3318 www.jodiemccallum.blogspot.com   Aug 28 18th Annual Lions Perch Festival James Park Marblehead 419.798.5791   Sandusky Area                                           Sandusky Area Holiday Schedule... Holiday schedule observed by the First National Bank: Holiday 2010 2011 New Year's Day January 1 -- Martin Luther King's Birthday January 18 January 17 President's Day February 15 February 21 Memorial Day May 31 May 30 Independence Day July 5 July 4 Labor Day September 6 September 5 Columbus Day October 11 October 10 Veteran's Day November 11 November 11 Thanksgiving Day November 25 November 24 Christmas Day December 25 December 26 Holiday Policy    For holidays falling on Saturday, we will be open the preceding Friday.    For holidays falling on Sunday, we will be closed the following Monday.