Privacy and Security Overview
Protecting your privacy is important to First National Bank and our employees. We want you to understand what information we collect and how we use it. In order to provide our customers with a broad range of financial products and services effectively and conveniently as possible, we use technology to manage and maintain customer information. The following policy serves as a standard for all First National Bank employees for collection use, retention, and security of nonpublic personal information.
What Information We Collect
We may collect "nonpublic personal information" about you from the following sources:
- Information we receive from you on applications or other forms;
- Information about your transactions with us or others; and
- Information we receive from a consumer-reporting agency.
The Bank does not disclose any nonpublic personal information about you to anyone except as permitted by law.
If you decide to close your account(s) or become an inactive customer, the Bank will adhere to the privacy policies and practices as described in this notice.
The Bank restricts access to your personal and account information to those employees who need to know that information to provide products and services to you. The Bank maintains physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.
Preventing Identity Theft
Protecting Your Identity
There's a new type of INTERNET piracy called "phis hing." It's pronounced "fishing" and that's exactly what these thieves are doing: "fishing" for your personal financial information. What they want are account numbers, passwords, Social Security numbers, and other confidential information that they can use to loot your checking account or run bills on your credit cards.
In the worst case, you could find yourself a victim of identity theft. With the sensitive information obtained from a successful phis hing scam, these thieves can take out loans or obtain credit cards and even driver's licenses in your name. They can do damage to your financial history and personal reputation that can take years to unravel. But if you understand how phis hing works and how to protect yourself, you can help stop this crime.
Phis hing is a type of email scam that hackers use to get customers to divulge their account numbers, logins IDs, passwords, and other privileged information. They send mass emails to a large number of people hoping to lure those who are actual customers of the bank to click a link to a fraudulent website that looks like First National Bank's and enter their account and/or personal information.
FIRST NATIONAL BANK WILL NEVER SOLICIT THIS INFORMATION VIA EMAIL.
The best way that you can protect yourself against this type of scam is never to provide the following information via an unsolicited email, a link in an email or a website that you have not intentionally accessed:
- User IDs
- Social Security Number
- Card or Account Numbers
- Credit Card Security Code (CCV)
First National Bank Protection
If you need assistance or discover any suspicious on line sites, emails or other fraudulent activity on your account, please contact a First National Bank Customer Service Professional at 606-598-6111. They are available to serve you Monday through Friday 8:00AM-3:30PM.
You may also contact us securely via our website 24 hours a day, seven days a week. Electronic mail is not secure, and confidential or personal information should not be communicated in thsi mannter.
To report a suspicious email which used First National Bank's name and asked for personal or account information, please let us know by forwarding the email to
Tips for Protecting Your Information On line
- Beware of fraudulent emails or websites known as "phis hing" or "web spoofing" that appear to be from First National Bank or other legitimate sites. Always go directly to First National Bank's website by typing www.fnb-manchester.com directly into the browser address bar. Never click on unverified links in emails, in pop up ads, or on other unknown sites. These emails and links may ask for personal information or redirect you to illegitimate sites that look like First National Bank's site or appear to have the First National Bank URL address in the browser address bar.
- Maintain and run updated virus, firewall, browser, spy ware, and security software on your computer. Review your Internet and email software's security settings.
- Be cautious about opening email attachments from unknown parties or downloading files from unverified locations. Many of these files contain spy ware or key logging programs that can send information back to malicious site.
- Beware of using non-encrypted wireless connections with computers, phones, and portable devices to send sensitive information from public wireless locations or even from home wireless networks. Using scanning devices, individuals can intercept unencrypted signal and view or obtain your information.
- Beware of "shoulder surfing" while using a computer in public areas who may be trying to intercept your passwords or information.
- Use strong passwords with a combination of uppercase and lowercase letters, numbers, and symbols. Change passwords periodically, and always change pre-assigned temporary passwords. When creating PINs and passwords, do not use birth dates, addresses, phone numbers, etc. that are easily guessed from personal information.
- Never use the "save ID and password" option in your browser at home, or on a laptop or public computer.
- Do not email personal and financial information to non-secure sites. Because the potential for loss, avoid storing personal information on a laptop computer.
- Properly dispose of old computers and ensure all sensitive information is removed from the hard drive. Reformatting the hard drive may not be sufficient- use specialized software to erase information.