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 Homebuyers Tax Credit! Tax Credits Provide Outstanding Opportunities for Home Buyers   The Worker, Homeownership, and Business Assistance Act of 2009 has extended the tax credit of up to $8,000 for qualified first-time home buyers purchasing a principal residence. It also authorized a tax credit of up to $6,500 for qualified repeat home buyers. For More information on the tax credits visit the IRS website below.   For your mortgage for your home purchase please visit or call your local FIRST NATIONAL BANK office.  We service our mortgages which means local customer service from friendly people you know.  http://www.irs.gov/newsroom/article/0,,id=206291,00.html 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 Phishing Vishing and Smishing Beware of Phishing, Vishing and Smishing! PROTECT YOURSELF! 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   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! Lost or Stolen ATM/Debit Card Call 1-800-264-5578 to report an ATM/Debit Card lost or stolen after hours. 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 Saturday and Sunday, November 21 and 22 from 9 am to 9 pm   BSA Artist Showcase at The Bellevue Society for the Arts  Monday, November 30 at 6 pm   The Bellevue Christmas Parade and Main Street Holiday Market Grand Opening  Port Clinton Area  11/6/2009 Friday 1:00 PM - 4:00 PM Magruder Hospital Public Seasonal Flu Shots 11/13/2009 10 AM - 6 PM Annual Gift Bazaar  -The Oak House at 333 Buckeye Blvd. in Port Clinton is holding its annual gift bazaar from 10 a.m. to 6 p.m. Friday, Nov. 13. Members will have a great selection of holiday gifts such as herbal products, headache pillows, wreaths and other hand-crafted items. 11/14/2009  7:30 PM The Musical Arts Series At Firelands: 2009-2010 Concert Series-  The Shirley v. Hany Memorial concert: Chris Buzzelli; an evening of sophisticated jazz 11/14/2009 6 PM Port Clinton Firefighters Association hosts its annual Feather Party at 6 p.m. Saturday at the fire station on State Road. Tickets are a $1 donation, or 6 for $5 and the winner could win $300! 11/21/2009 Olde Fashioned Christmas- Log Cabin, Oak Harbor 419.898.0479 / oakharborohio.net 11/25/2009 11:30AM -2:00PM Trinity United Methodist Church Free Thanksgiving Dinner Put-In-Bay December 11 & 12   LEIC-BSC Christmas Bazaar - at Tony's Place   Sandusky Area November 27, 2009 thru January 01, 2010   5pm -10pm  Festival of Lights - Sawmill Creek, HuronAdditionally, on Friday and Saturday, Nov. 27 and 28, along with the first three Saturdays in December, Sawmill Creek is offering hayrides down the lighted roadway, with donuts and hot chocolate served.  November 27, 2009 from: 6:00pm - 7:00pm Christmas Lighting Ceremony - Washington Parks December 31, 2009 from: 6:00pm - 7:00pm Toast of the Town New Years Eve Gala - Merry Go Round Museum Holiday Schedule... Holiday schedule observed by the First National Bank: Holiday 2009 2010 New Year's Day January 1 January 1 Martin Luther King's Birthday January 19 January 18 President's Day February 16 February 15 Memorial Day May 25 May 31 Independence Day July 4* July 5 Labor Day September 7 September 6 Columbus Day October 12 October 11 Veteran's Day November 11 November 11 Thanksgiving Day November 26 November 25 Christmas Day December 25 December 25* 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.