Online Banking Instructions

Logging On

1. Click on the User Access button.
2. At the Log In screen, enter your Access ID and your Password. Click Submit. For first time users, enter the Access ID and Password issued to you. The system will automatically prompt you to change your Password. Enter a new Password. Reenter the new Password in the Confirm New Password field. The Password must be 8-12 digits, and must contain at least one alpha and one numeric character.
3. To change your password at any time click on the Change Password button at the top of each transaction page.

Accessing Each Account

To access each account, place the cursor over the Account Number, and click once. This will bring you to the Balance screen.

Button Descriptions

Balance: Current available balance, and interest information if applicable, and last activity information prior to today.

Transactions: Debits and credits that have posted to the account the previous business day.

At the bottom of this page is displayed:

Account to Date: Provides all activity from the time the account was opened. This option is only for loans and certificates of deposits.

Previous Month Statement: Previous month’s statement.

Current Month Statement: All transactions starting with the date of your last statement, up to the previous days’ transactions.

Previous Day Transactions: All transactions posted on the previous business day.

Current Day Transactions: Transactions that have been presented throughout the current day, and will post to the account that night.

Export Statement: Download your statement to a software program for account reconciliation.

Exporting Transactions

The description of the File Format is:

• Comma Separated Files (.CSV) – Exports to programs such as Excel, Lotus 123, Access (ASCII format) Quicken Interchange.
• Format (.QIF) – Exports to Quicken Open Financial Exchange
• (.OFX) – Exports to Money

Transfers

You may set up a transfer one time or recurring. This option is not available on all accounts. Transfers can only be accessed between your accounts within First National Bank USA.

One Time Transfer

1. Click on the account you would like to transfer From.
2. Click on the One Time Transfer button and fill in the following fields:

To Account – click the drop down arrow, which displays all your eligible accounts for transfers, select the account you would like the funds transferred to

• Amount – fill in the dollar figure
• Click Transfer. A confirmation screen will be displayed containing a confirmation number.
• This option is for one transfer only and will drop off the system when completed.

New Transfer

1. Click on the account you would like to transfer From.
2. Click the New Transfer button and fill in the following fields:

To Account – click the drop down arrow, which contains all your eligible accounts for transfers, select the account you would like the funds transferred to

• Frequency – click the drop down arrow which displays the frequency types, choose how often you would like the transfer made, except On Demand all subsequent transfers are automatically made by the system
• Amount – fill with a dollar figure
• Date – fill in with the date you would like the transfer to take place (if recurring this will be the first transfer)
• Number of Remaining Transfers – you may choose the number of times you would like this transfer to take place, this will start the count after the first transfer
• Description – you may type a description, which will appear on your statement.
• Click Transfer
• A screen with the transfer(s) will be displayed and will remain as a template for you to use again if on demand or recurring. (Note: if on demand the transfer amount will drop to a $0.00 after the transfer takes place.)