Enhanced Online Security

First National Bank takes your online interaction and safety with us very seriously.  Below are just some of the ways we do this.


Security through Multifactor Authentication

Along with FNB Online Connection Internet Banking, First National Bank utilizes a multiple layered security login 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 simply means we use multiple ways to verify the identity of our customers. It includes both:

  • Something You Know - an Access ID and Password
  • Something You Have - your computer

Why are we doing this?

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

Instructions for your initial login to FNB Online 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.  This page will display a green web address bar with our site provider’s name (Fiserv, Inc.). This Extended Validation (EV) is another way to verify you are on FNB’s secure site.
  3. You will be sent to a third page to verify your email address.
  4. 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 login from a computer that has not been “registered” by you. 

What do we mean by "registering your computer?"

A computer you choose to register will be uniquely identified using various factors such as the processor speed, size of memory, etc.

The FNB Online 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 identified automatically each time you access the system. 

Subsequent login procedures:

  1. Enter your Access ID on our bank home page, www.fnbraymond.com
  2. You will be sent to a second page where you can enter your password. If you are using an unregistered computer, you will first be asked to answer one of your challenge questions.

Online Banking Safety Tips

FNB invests in technology and processes to ensure a secure electronic environment for all of your financial transactions.  However, online security and protection of your identity and personal information is a team effort.  That’s why we recommend you take steps to protect yourself and your computer from attempts to obtain your personal information electronically:

  • Keep your computers and browsers current with the latest operating system updates and patches.
  • A great way to keep your passwords secure is by using complex combinations that do not contain names or numbers that would normally be associated with you.  Use a unique password for each service or website. 
    Remember - never share your password with anyone or write it down! 
  • Make sure that your wireless internet connection and firewalls are up to date.
  • Use only a secure wireless internet connection. If a public Wi-Fi hotspot doesn’t require a password, anyone can intercept your login credentials.
  • Utilize up to date anti-virus and anti-spyware/malware products.
  • Think twice before clicking on links or opening attachments of any suspicious emails or texts you may receive.
  • Use Online Banking to check your account balance and transactions regularly.  Notify us immediately of unexpected account activity.


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