There are rapidly growing practices of Internet fraud called "phishing" and "pharming". Phishing is the practice of sending fraudulent e-mail messages to addresses requesting them to supply confidential information; "Pharming" is the practice of redirecting users to fraudulent sites to capture their username/pin logon, or other personal information. Typically, the information requested includes a request for account or credit card numbers, passwords, PINs, Social Security numbers or other personal identifying information.
Please note: Farmers National Bank will NOT solicit confidential or sensitive customer information via any electronic means whatsoever.
If you should see out of the ordinary website pages or links with no notice from FNB, please contact us immediately.
For more information, click here to find out more ideas to safeguard against E-mail and Internet fraud.
Online Consumer Security Principles
Farmers National Bank knows that security is the cornerstone of providing online service to our customers. Therefore, Farmers National Bank has instituted necessary privacy and security principles. The implemented safety measures listed below ensures your privacy and protects your personal financial information from unauthorized access.
To obtain any financial services from the Farmers National Bank web sites, you must use your personal access codes, specifically, a User ID and a Password. No one can access the web site to find out about your personal financial dealings with Farmers National Bank unless they have both your User ID and Password. Treat both your User ID and Password with the same degree of care and secrecy as you treat your ATM personal identification number (PIN) and your other sensitive financial data.
Farmers National Bank’s web sites have a timeout feature in those areas of the web sites requiring account login to access your financial information. This feature automatically logs you out of your financial services session after an extended period of inactivity on our site. Because someone else might obtain physical access to your system, it is better for privacy reasons for you to explicitly log off the financial services session after you finish accessing your personal financial information, rather than waiting for the timeout feature to occur.
Firewalls and Activity Logs
Firewalls and activity logs are additional mechanisms that Farmers National Bank uses to protect your privacy. Technically, firewalls analyze the source and destination addresses and the traffic type to ensure that only authorized users have access to our systems. We also review activity logs to find anything that appears out of the ordinary. We look at specific individual information only to investigate activities that appear suspicious and to protect our systems and your information.
The way that the encryption process works is that first you send us a secure message from your browser. We respond by sending you a certificate that contains our "key" to lock and unlock the coded messages between us. Your browser uses this key so that the "conversations" between your browser and our server communicate in such a way that we both can encrypt and decode the conversations, preventing others from understanding them. Whenever possible, Farmers National Bank uses the strongest browser encryption technology available. Because this encryption technology is so strong, the U.S. government will generally not permit the export of browsers supporting this technology. Therefore, some of Farmers National Bank’s online financial services may not be available outside of the United States and Canada.
E-mail transmitted across the Internet is normally unencrypted and interception by third parties is possible. You should therefore avoid sending any confidential or private information in e-mails to Farmers National Bank. Likewise, we will not include confidential information in any e-mailed response to you. Farmers National Bank and/or third party vendors retain the content of your e-mail and our replies to ensure proper responses to your questions and requests and to comply with legal and regulatory requirements.
Farmers National Bank and/or our third party vendors utilize the most up-to-date technology to protect our internal systems and your personal financial information from computer viruses. However, malicious viruses can sometimes gain access to your personal computer. For protection of your personal system, you may wish to implement the following measures:
- Install and periodically update an anti-virus protection software package to detect and eliminate potential viruses on your computer.
- Use only current web browsers from companies such as Netscape® or Microsoft® certified for secure and private transactions and support 128-bit encryption techniques. It is also important to update or install patches as recommended by your browser provider. We suggest you periodically visit the provider's web site for any necessary updates or patches to keep your browser up to date for the best protection.
- Install all appropriate updates to your operating system, especially those related to security
- Avoid downloading applications or opening attachments in unsolicited e-mail from unknown sources.