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debit card fraud Center
Q: How will I know if the alert is coming from FNBL and not a fraud text message?
A: The text message will always come from the number 285-42 and appear as: ‘FNB ALERT’ for text messages or “FNBL Debit Card Mobile Alerts’ for emails, if you ever have questions about whether or not a text message is from FNBL, please call us at 217-324-2105 or toll free (800) 255-2939, Monday through Friday from 8:00 a.m. to 5:00 p.m. CST and Saturdays from 8:00 a.m. to 12:00 p.m. CST. If after hours, call the number on the back of the card at (800) 236-2442.
Q: What does the text message/email state?
A: A sample Debit Card Mobile Alert follows:
FNB ALERT: Declined txn on card ending in XXXX, PIN entered is invalid.
For help call the bank or after hrs (800)236-2442.
Q: What do I do if the transaction(s) is fraud?
A: If the transaction(s) is fraud, you will need to call the banks debit card department at 217-324-2105 or after hours, call the number on the back of the card at (800) 236-2442. Reference the message so that your card can be blocked. They will instruct you on how to file a claim and have a new card issued to you.
debit card alerts
Q: How do I enroll in Debit Card Mobile Alerts?
A: Fill out and sign an enrollment form and return it to the bank. Forms are available upon request at any of our branches or via e-mail. You will select which type of alerts you would like to receive and also you must specify how you would like to receive the alerts. You can receive alerts by text message, email, or both.
Q: How long does it take to get set up with text messages?
A: It takes just a few minutes to enroll and have a teller complete the process if you are an existing cardholder. If it is a brand new account, you will be enrolled within a couple days of the card being ordered, before it is mailed out to you. You will be notified by text message confirming your enrollment.
Q: How much does it cost for the service?
A: First National Bank of Litchfield does not charge for this service. However, standard text message and data rates assessed by your mobile carrier may apply.
Q: Is this service safe and secure?
A: Yes. This service is safe and secure. Our first priority is the protection of your accounts and personal information. The text messages or emails will be branded with FNBL’s name and will appear as: ‘FNB ALERT’ for text messages or “FNBL Debit Card Mobile Alerts’ for email option coming from tellers@fnbl.com. Also, we never ask for your account number, personal identification or other personal information. If you receive a text message asking for your personal information, or card number, please do not respond. If you ever have questions about a text message/email claiming to be sent by FNBL, please call us at 217-324-2105.
Q: Can I enroll more than one debit card in Debit Card Mobile Alerts?
A: Yes. You must go through the enrollment process for each card.
Q: Can I add multiple phone numbers?
A: No. Only one mobile phone number can be linked to a card number.
Q: How do I respond to an alert?
A: The Fraud Alert is a one-way text message or email sent to the cardholder. The cardholder will need to call the bank at 217-324-2105 or after hours call the phone number on the back their card for assistance or to report the suspicious transaction(s).
Q: What if I don’t have text messaging?
A: Text messaging is NOT required for this service. You can enroll with an email address, and receive the same messages delivered to up to two different email addresses.
Q: What actions do I take when I receive a Debit Card Text Alert?
A: If you do not recognize the transaction, call the phone number as instructed. A Fraud Specialist will assist you to determine the validity of the transaction(s) and take appropriate action if fraud is suspected.
Q: If I am traveling outside of the U.S., can I receive text message alerts?
A: If your carrier has service in another country or region, you may receive the alerts. It is recommended that you contact your mobile service provider to verify that you can receive text messages in a foreign country. Also, as before contact the bank before you leave to ensure you do not run into any complications while you are traveling abroad.
Q: Will I continue to receive alerts if my mobile phone number changes?
A: In order to receive alerts to your new number, you will need to contact the bank and enroll your new phone number.
Q: Will I still receive alerts if my card number changes (e.g. after a lost/stolen replacement)?
A: If your card number changes, you will need to re-register your new card number by contacting the bank.
Q: How do I unsubscribe?
A: To unsubscribe from this service, you will need to call or come into the bank.
Debit cards - miscellaneous
Q: What if I have forgotten my PIN?
A: You will need to call the bank at 217-324-2105 and ask to speak with someone in our debit card department. We cannot reset this PIN for you or give you a new one. The debit card department will have to order you a PIN reminder that will be sent to you in the mail. You can continue to use your card as a credit until the new PIN comes in.
checking accounts
Q: What do I need to open a checking account?
A: All of our checking accounts require $100 to open. Please bring an updated form of identification, this includes a driver's license, a student ID, a foid card, an identification card, or birth certificate. If your form of identification is not updated with the current address, please bring a piece of mail showing your current address.
Q: Can I stop receiving my paper statement?
A: Yes. Once enrolled in online banking, you have the option to go paperless with your statements.
Savings accounts
Q: What do I need to open a savings account?
A: Our basic savings accounts require $100 to open. Please bring an updated form of identification, this includes a driver's license, a student ID, a foid card, an identification card, or birth certificate. If your form of identification is not updated with the current address, please bring a piece of mail showing your current address.
Online / mobile banking
Q: Why can't I log in?
A: Your have likely mistyped your username, password, or both. Double check you are inputting the correct information. If using a password save feature, make sure the saved information is correct. Make sure your caps lock is not accidentally on. If using biometric data to login in, try manual entry.
Q: Why haven't I received my secure code?
A: You have likely mistyped your username, or text or phone services my be having issues in your area. If one secure code method does not work, try another.
Q: Why are my secure code phone numbers incorrect?
A: Your have likely mistyped your username. Double check you are inputting the correct information. You also may have failed to update your contact number(s) with the bank.
Q: Where are my account statements online?
A: The last 24 months of your accounts statements in pdf format are located under Accounts> Documents> Statements.
Q: Can I set up any alerts through online banking?
A. Yes. You may set up various account and service alerts by going to Self Service> Alerts.
Q: Can I schedule transfers?
A: Yes, online banking offers various transfer types.