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^®" .

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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 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   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 Tuesday, 2/2  The Seneca County Genealogical Society Meeting from 7 p.m. to 9 p.m. at Tiffin-Seneca Public Library, 77 Jefferson St., TiffinTopic is How to Start Doing your Family Tree    Saturday and Sunday, 2/6 and 2/7  Annual Woodcarvers Show from 11 a.m. to 5 p.m. at the Bellevue VFWCall 419-483-7495 for information    Thursday, 2/11  Rotary Club of Bellevue Pizza Blast from 5 p.m. to 7 p.m. at Bellevue Senior High SchoolTicket prices are $5 for ages 5-12 and Senior Citizens, $10 for ages 13 and older, $30 for a Family, ages under 5 are Free  Thursday, 2/11 .  The Bellevue Development Corporation and SCORE “Counselors to America’s Small Business” is offering free counseling sessions sponsored by First National Bank and Croghan Colonial Bank from 9 a.m. to 12 noon at the BDC office, 110 W. Main St., Bellevue.  Walk-ins are welcome but appointments are recommended by calling 419-483-9700 or e-mailing Russ Panas, Director at r.panas@bellevuedevelopment.org.   Thursday, 2/11  High School Winter Band Concert at 7:30 p.m. in the Bellevue Senior High School Gymnasium after the Pizza Blast    Friday, 2/12  One Night with You: A Romantic Evening with Elvis (Dinner and Show) from 6 p.m. to 11 p.m. at The Bellevue Society for the ArtsReservations Only by February 10, 2010 by calling 419-484-ARTS (2787) Tickets are $25/person; $15 show only    Monday, 2/15  Lions Club Spaghetti Dinner from 3 p.m. to 10 p.m. at The Bellevue Society for the Arts, 205 Maple St., Bellevue    Tuesday, 2/16  Bellevue Chamber Business After Hours hosted by SASS Salon and Spa, 232 Southwest St., Bellevue from 5 p.m. to 7 p.m.    Wednesday, 2/17  Ash Wednesday Fish Fry at The Willows at Bellevue from 11 am to 1 pm$7 carry out only, RSVP by Friday, 2/12 at 419-483-5000    Sunday, 2/21  High School Sacred Choral Concert at 3 p.m. in the Immaculate Conception Church Sanctuary    Thursday, 2/25  OSU Extension 2010 Outlook for Agriculture sponsored by First National Bank from 4:00 p.m. to 8:30 p.m. at Club Amer-Ital, 600 Southwest St., BellevueR.S.V.P.  by Thursday, 2/18 to Valerie Bumb at 419-483-7340 or BumbV@fnblifetime.com to attend as a guest of First National Bank; otherwise $22 per personClick on the 2010 Outlook icon on our homepage for more detail.      Port Clinton Area      January 30, 2010 5pm - 8 pm Dinners/Music starts at 8pm John T Waite Family Benefit Spaghetti Dinner-  Port Clinton Yacht Club $12 per dinner Chef Dick "Richard the Lionhearted" Renn will be preparing Port clinton's Original Spaghetti Sauce with Meatballs" including Italian Salad, Italian Bread with butter, Romano Cheese and crushed Red Pepper.  A Silent Acution will also be held during dinner.  You need not be present to win.  Entertainment provided by "The Lounge Lizards" starting at 8 pm.  donations can be made to "Rotary Club of Port Clinton with Waite Family fund" written in the memo area for checks.  Cash is also accepted. Carry out also available. Friday February 5, 2010 - Fundraiser for Simon Mercurio   Mark Friday, Feb. 5, down on your calendars for a couple of special fundraisers to assist the family of Simon Mercurio, the Port Clinton High School youth who was paralyzed in a tumbling accident. A Spaghetti Dinner is planned from 4 to 6:30 p.m. in the PCHS Cafeteria. Tickets are $7 for adults and $5 for students and available at the high school and middle school offices, along with Immaculate Conception School office and at Our Guest Inn & Suites (next to Wendy’s). That same evening, Mango Mama’s brings back its First Friday Fundraiser for Simon featuring the Travelin’ Lounge Lizards. Tickets are $10 and can be purchased at Great Lakes Popcorn and Our Guest Inn and Suites. Wednesday March 17th St. Patrick's Day @ PIB.Various locations on PIBCall 419-285-2832 for information  Saturday March 27th Easter Egg Hunt2pm @ Adolphus Kraener Park- Downtown Oak HarborCall 419-898-0479    Sandusky Area February 4, 2010 Duck Derby at Kalahari  Sponsered by Erie County United WayDucks still on sale through January at the Sandusky Mall  February 6-7, 2010  -  10-4 each day Arctic Ice Festival -At the Maritime Museum of SanduskyThere will be ice sculptures, demonstrations, bake sale, pictures with Frosty and many other things.  Feb 12-21  New Car Auto Show-      Sandusky Mall  February 26-28 Erie County Home Builders Home Show Lyman Harbor March 5th - 7th   Watersport Show -  Sandusky Mall     March 13th   Prom-Spring Fashion show  -1pm       Sandusky Mall - center courtDescription: Everything you need for Prom! Tuxes, dresses, limo service, corsages and much more.     March20th - 3rd      Easter Bunny Arrives Sandusky Mall - Center Court Description: Hop on into the mall and have your picture taken with your favorite Easter Bunny! Receive a FREE gift just for visiting.     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.