Enhanced Online Security

Security through Multifactor Authentication

With the release of FNB On-Line Connection Internet Banking, First National Bank has implemented a multiple layered security log on process called Multifactor Authentication. This enhanced security feature is in response to the growing concern regarding sophisticated Internet threats such as spyware and other malicious programs designed to capture confidential information.

What is Multifactor Authentication?

  • It is simply having multiple ways to verify the identity of our customers.
  • It includes the following:
    • What You Know - an Access ID and Password
    • What You Have - your computer

Why are we doing this now?

Federal agencies, including the Office of the Comptroller of the Currency, have mandated that all providers of Internet Banking services increase log on security from single factor authentication (such as a Password) to multifactor authentication. Therefore, all banks are required to implement this level of security.

Instructions for your initial log on to FNB On-Line Connection:

  1. Enter your Access ID on our bank home page, www.fnbraymond.com
  2. You will be sent to a second page where you will enter your assigned Password.
  3. You will be sent to a third page to verify your e-mail address.
  4. The next screen will display a random photo and a blank field for you to create a unique "Pass-Phrase". This picture and Pass-Phrase will be displayed to you on all subsequent log on attempts to assure that you are connected to our FNB On-Line Connection website.
  5. Then, select three "challenge questions" and enter the answers to each.  At least one of these challenge questions will appear for you to answer each time you attempt to log on from a computer that has not been “registered” by you.
    What do we mean by "registering your computer"?
    • If you choose to select the option to register a computer, the computer will be uniquely identified using various factors such as the processor speed, size of memory, etc.
    • The FNB On-Line Connection system:
      • Uses an automatic process to collect this information - no special software is needed
      • Creates a unique profile for your PC
      • Stores this information in a secured database
    • The computer itself is then identified automatically each time you access the system.

Subsequent log on procedures will be as follows:

  1. Enter your Access ID on our bank home page, www.fnbraymond.com
  2. You will be sent to a second page containing the picture that you recognize and the Pass-Phrase underneath it that you have created. If you are using an unregistered computer, you will also be asked to answer one of your challenge questions.
  3. You next enter your Password and will be directed to your accounts


Q: How do I correct my e-mail address?
A: Log in and select "Change Email Address" from the options menu, once you enter the accounts section.

Q: Can I change the picture?
A: Yes, after initial registration.

Q: What is the purpose of the picture and Pass-Phrase?
A: So you know you are at our FNB On-Line Connection site and not a “spoofed” site.

Q: Can I register more than one PC?
A: Yes. If you frequently use more than one computer (one at work and one at home), you may register both machines.

Q: What if I use a public computer?
A: You will be asked to answer one of the three challenge questions. The bank does not recommend that you register computers accessible to the general public (libraries, Internet cafés).

Q: What should I do if I plan to sell or give away my computer?
A: Please call 217-229-3701 and we will un-register your computer for you.

If you have any further questions, please contact us and we will be happy to answer your questions or have a bank representative contact you.