Frequently Asked Questions


Yes, your debit card can be used at any ATM. When used at an ATM your ATM card is used as a debit and requires your PIN number. If you use your debit card at a merchant you may want to use your debit card as a credit. When used as a credit, it does not require a PIN number, just your signature. This keeps someone else from watching you enter your PIN number. It’s that simple and easy to use.

Notify the bank immediately and the bank will take the necessary steps to hot card your debit card. This means that even if a person tries to use your debit card, they will not be able to access your account.

  1. Debit cards are more convenient than carrying your checkbook around.
  2. You don’t have the inconvenience of having to show your I.D. and waiting for check approval.
  3. Debit cards cuts the expense of check orders.
  4. You don’t have the expense of stop payments on lost or stolen checks.
  5. Easy way to pay.
  6. Faster checkout while shopping.
  7. Safer than carrying large amounts of cash.
  8. Each transaction shows on your monthly checking account statement just like your checks.

A debit card is used in place of a check. Since a debit card is used in place of a check, your checking account will be debited for the transaction amount just like a check would.

There could be a variety of reasons for this, from an error in the hosted web page, to errors on the user’s end. Try to make sure your cache is clear, and that you have any updates to your operating system and browser installed. If you are using a bookmark, try to access the URL directly and resetting your bookmark. If possible, see if the problem is limited to just one computer or all that you try. If all else fails, contact the bank. Try to have as much information as possible: the exact messages you are receiving, screen captures and/or printouts if possible, your operating system and browser versions and numbers, and any other information you may deem important.

Due to reasons of security and the Privacy Act. To sign up for online banking, a login ID is created for the Primary Applicant who is filling out the form. Joint Applicants may be added as well. However, as stated on the enrollment form, each applicant must be an authorized signer on each account listed with that form. For example: If a husband and wife share some accounts but not others, the husband and the wife should sign up for separate login ID’s. If they both are on every account each one has, they may sign up jointly, with whomever is the Primary Applicant being the basis for the login ID name. Again, in example, the Joint Applicant wife may call and inquire about password changes, account additions, etc, to the Primary Applicant husband’s online account, while a wife who is not a Joint Applicant, even if she is authorized on the accounts linked to online banking, may not.

Statement images are only captured for online accounts starting around time the FNBL first began its internet banking structure (approx. mid-year 2001). As well, no system is perfect, and sometimes statement images for particular days could not be captured for the online system, due to a variety of reasons. Contact the bank if you need a copy of any particular statement.

Simply, security. Such a feature/program can possibly allow anyone who accesses your computer to access your banking account information. As well, many such features/programs such as Microsoft Internet Explorer’s AutoComplete do not always “catch” the actual change of password, and an incorrect password is repeatedly entered until the account is locked out.

Nothing. An invalid log-on refers to the act of logging on, not your login or user ID. You have made a password error, see above.

You need to contact the bank, preferably by phone. The FNBL does not know or have any way of knowing what password you have set. The only choices are resetting or issuing a new temporary password. We can reset your current password if you have locked it out in error or temporarily forgot it. Or, we can issue you a new temporary password that you will be forced to change upon first logging on.