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 Agricultural Outlook Event OSU Extension 2010 Outlook for Agriculture was sponsored by First National Bank and was held from 4:00 p.m. to 8:30 p.m. at Club Amer-Ital on Thursday February 25th.  The event had over 70 interested parties who recieved valuable insights to the risk management of the business.  Contact Valerie Bumb, Agricultural/Commercial Lender for questions or loan information. 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     Thursday, 3/4  Bellevue Middle School Winter Band Concert at Bellevue Middle School at 7:00 p.m.    Saturday, 3/13  Bellevue Area Chamber of Commerce Annual Meeting and Awards Banquet from 6:00 to 9:30 p.m. at Twin Lakes Restaurant, 100 Decker St., Bellevue.  By reservation only accepted until 3/9 by calling 419-483-2182  Thursday, 3/18 -  HCC, Inc. Coin Appraisal Day at First National Bank  Free coin appraisals from 9 a.m. to 4 p.m. at the Bellevue (120 North St.) and Sandusky (3410 Venice Rd.) locations.  No appointment necessary.   Friday, 3/26; Saturday 3/27; Sunday 3/28  Bellevue Senior High School Spring Musical at Bellevue Middle School at 7:30 p.m. on Friday and Saturday and 2:00 p.m. on Sunday  Saturday, 3/27 -  Bellevue Society for the Arts Maidens IV – A Celtic celebration at the Bellevue Society for the Arts.  Phone 419-484-ARTS for details   Friday 3/26 from 10 am to 2 pm and Saturday, 3/27 from 8 am to 11 am.   - 5th Annual Free Shred Days at CLI Document Destruction on Friday, Bring up to 500 lbs to shred for free to CLI Document Destruction (a Christie Lane Industry) located at 306 S Norwalk Rd W, Norwalk, OH.  Contact Deb Bement at 419-706-4945 for more information.    Port Clinton Area     Mar 2; Mar 9; Mar 16; Mar 23; Mar 30 Open Public Shoots CMP Marksmanship Center Camp Perry Port Clinton 419.635.2141 x 1131 • odcmp.com Mar 6 Helping Hands for Haiti Fundraiser- 5 PM - 9 PM Harbor Lanes Bowling Alley- bowling $2 per person, Bowling Shoes $2, Grand Prize Raffle, Several Raffle Items 50/50 Drawing, Face Painting, Balloons, D J Entertainment, Family Friendly, Great Fun and a Great Cause-  Mar 6 CMP Monthly Matches CMP Marksmanship Center Camp Perry Port Clinton 419.635.2141 x 1131 • odcmp.com   Mar 17 St. Patrick's Day at Put-in-Bay Various Locations Put-in-Bay | 419.285.2832 • visitputinbay.com   Mar 18 - Mar 21; Mar 25 - Mar 28 Messiah on the Frigidaire Performing Arts Center 604 W. Sixth St Port Clinton 419.734.5504 • pcplaymakers.org   March 20 Sky Dance of the American Woodcock Black Swamp Bird Observatory 13551 W. State Route 2 Oak Harbor • 419.898.4070www.bsbo.org/events/pdf/Sky_Dance_of_the_Woodcock-March_20.pdf Saturday March 27th Easter Egg Hunt2pm @ Adolphus Kraener Park- Downtown Oak HarborCall 419-898-0479    Sandusky Area   February 26-28 Erie County Home Builders Home Show Lyman Harbor -  Visit First National Bank at the SHOW! 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.   Thursday, 3/18 -  HCC, Inc. Coin Appraisal Day at First National Bank  Free coin appraisals from 9 a.m. to 4 p.m. at the Bellevue (120 North St.) and Sandusky (3410 Venice Rd.) locations.  No appointment necessary. 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.