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Frequently Asked Questions for Personal Online Banking

What is FirstNETBANK?

This is First National’s internet link to your accounts with us. FirstNETBANK provides current balance information about your accounts and lets you transfer funds between accounts. You can view transaction history on your checking, savings, certificates of deposits and loan accounts. This history is available for the current statement cycle and the previous statement cycle on checking and savings accounts. Certificates of deposit and loan histories are available for the entire current year.

How much does FirstNETBANK cost?

FirstNETBANK is FREE to use. Additionally, there is no charge for Bill Pay services for personal checking accounts.

What if I forget my Password?

There are ways your password can be obtained. First, go to our home page and enter your Access Code and click Submit. On the next page, click on the "Forgot Your Password" button. You will then be asked to enter your Access Code again; click Submit. Your existing password will then be e-mailed to the address we have on file.

The second way to retrieve your password- just give us a call. Customer Service Representatives do not have access to your password, but they can assign you a new, one-time password. Once the temporary password is entered, you will be prompted to enter a new one. Remember, the password must be at least six characters in length; one character must be numeric and one character must be alphabetic. Our Customer Service Department may be reached at 918-251-5371 or 888-255-5371.

When are my FirstNETBANK transactions updated to my account?

Although you may access your account information and conduct transactions anytime, the transactions initiated through FirstNETBANK are not posted in an “on-line” mode. We will process the transactions during our normal nightly update of your accounts. However, transfers will post immediately to your account and will be reflected in your Account Balances. The transfers will not be available for your ATM and debit card usage until the transfer is posted during that business day’s nightly update.

Fund transfers prior to 6:00 P.M., Central Time, will be posted in that night’s update and reflect in your balance the next day. Fund transfers after 6:00 P.M., Central Time, will not be posted to your account until the following nightly update and reflect in your balance in two business days.

What is the Current Balance?

If the account is a deposit account, the current balance is your beginning of the day balance plus direct deposits scheduled to post today and transfers made into the account through FirstNETBANK or First TeleBank; less automatic payments scheduled today, transfers made out of the account through FirstNETBANK or First TeleBank, any bills paid through FirstNETBANK bill paying, any items presented today for payment that have been identified, and any holds placed on the account.

If the account is a loan account, the current balance is the principal balance of the loan.

What is the Transaction function?

This allows you to see a history of transactions posted to your checking, savings, certificates and loans. You can choose from the following:

Current Statement - this displays the transactions that have posted to your account since your last statement.

Previous Statement - this displays the transactions that posted to your account in the statement prior to the current statement. These transactions will be available for 31 days after your previous statement. If your current cycle is more than 31 days past your previous cycle, then there will be nothing available in the previous statement function.

Current Business Day - this displays the transactions that are scheduled to post to your account today.

Previous Business Day - this displays the transactions that posted to your account the previous day.


For loans, the transactions can be obtained for the life of the loan. Simply select the time period you wish to review by using the Transaction function selection.

 

Can I stop or modify my request to transfer funds?

Yes. At any time before you reach the “Transfer Funds Confirmation” screen you can modify or cancel your funds transfer request. However, after you complete a funds transfer transaction and receive a confirmation number, you cannot stop the transfer from occurring. At that point, if you wish to cancel the transfer, simply make a new transfer to move the funds back to the appropriate accounts.

 

Can I download my transactions to my home or business financial software?

Yes. There are four formats available. Currently supported are Intuit Quicken [.QIF]; Microsoft Money [.OFX]; Intuit Quickbooks [.IIF]; and a Comma Separated File [.CSV]. This feature can be found at the Transactions Menu screen under the box titled Transaction Search within the internet banking feature.

For further instructions on downloading, refer to the following question.

How do I download my transactions into my home or business financial software?

From the checking account screen, place the cursor on the Transactions button and select Transactions Menu from the pull down box. On the next screen, complete the section titled Transaction Search for the cycle, transaction type and sorting characteristics desired. Select the Format Type that matches your financial software. If you wish to preview the items prior to downloading, select Display. When you are ready to download them, select the Export button. You will be asked how you wish to save it. Normally you would save it to your hard drive. Select the path and folder you wish to save it to on your computer. REMEMBER THE LOCATION. To complete the download, you then go into your financial software and choose the Import feature and follow your system's instructions. It should ask you where you have placed the items and you will give it the path and folder you exported them to previously. Your system should then retrieve the item and upload it to your software for you to use.

Is the Internet secure for online banking?

We take security very seriously and we have taken certain precautions in this matter. A secure browser is required in order to connect to the system. Certain browsers and computers can communicate securely by scrambling information as it passes across the Internet. We require your browser to support Secure Sockets Layer. We recommend a browser with 128-bit encryption. A firewall is also maintained to keep out unauthorized users.

For more information, please refer to Security Tips and our Privacy Statement.

Do I need to “Exit” when I finish?

Yes. Leaving your computer logged on to FirstNETBANK allows anyone else to sit down and continue the active session. You should always exit out of FirstNETBANK whenever you walk away from your computer.

For your security, we have set a 10 minute time limit that will automatically end your active session if there is no activity for that length of time. However, we recommend you end the session yourself upon completion.