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Officers and DirectorsShow All | Close All | Directors | Q | Directors |
Ralph Hoseck, Chairman of the Board
James H. Litton, Vice Chairman & Trust Officer
Tommy Jones, President
Lynne Hoseck
Johnnie C. Henderson
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| | Officers | Q | Officers |
Ralph Hoseck, Chairman of the Board
James H. Litton, Vice Chairman & Trust Officer
Tommy Jones, President
Martha F. Harris, Executive Vice President & Cashier
Margaret Lay, Senior Vice President & Auditor
Diane Holmes, Vice President & Loan Officer
Linda Culp, AVP & EDP Manager
Lisa Hardin, Assistant Auditor
April Lewers, Assistant Trust Officer
Laurie Deen, Assistant Operations Officer
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Products and ServicesShow All | Close All Online Banking FAQ'sOfficers and Directors Show All | Close All | When will online banking become effective? | Q | When will online banking become effective? | February 1, 2009 (Customers must come into the bank to obtain a user id and password. Customers may come in February 1, 2009 and later. User ID and Passwords will not be given until that time.) Close |
| | What is Online Banking? | Q | What is Online Banking? |
Online Banking allows customers FNB Mineola a fast, secure and convenient way to access their accounts using the Internet, 24 hours a day, 7 days a week. Close |
| | How much does Online Banking cost? | Q | How much does Online Banking cost? |
Online banking is a free service that gives you the ability to access your accounts and lets you make transfers between your FNB accounts. Bill Pay, a feature of Online Banking, is $5.00 a month. Close |
| | Can I use Internet Banking if I only have a CD, Loan, or Savings Account? | Q | Can I use Internet Banking if I only have a CD, Loan, or Savings Account? |
Yes. If you have a CD, Loan, Savings, or Checking Account with FNB Mineola, you can get internet banking for FREE. You must have a checking account to have Online Bill Pay. Close |
| | What types of transactions can I do with Online Banking? | Q | What types of transactions can I do with Online Banking? |
- --Check current balances on personal checking, savings, personal loans, Certificate of Deposits (CD's), Individual Retirement Accounts (IRA's), mortgages and most business accounts
- --Transfer money between FNB Accounts
- --Make payments to FNB Loans
- --View balances and activity
- --Reconcile checking and savings account transactions with your paper statement
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| | What happens if I forget my user name and/or password? | Q | What happens if I forget my user name and/or password? |
After three unsuccessful attempts to log on to your account, the system will lock you out. Please call the bank @ 903-569-6161 and ask for the Internet Banking Department. Close |
| | Why is there a one dollar transaction on my account? | Q | Why is there a one dollar transaction on my account? |
Some merchants will pre-authorize a debit or credit card to ensure that it is a valid and active account, essentially placing a $1 hold on your account. The pre-authorization amount will remain until the merchant submits the actual amount of the transaction for payment and it posts to your account. Once the payment posts, the $1 pre-authorization will come off your account. This process typically takes 2-3 business days Close |
| | How can I add or delete an account fron Online Banking? | Q | How can I add or delete an account fron Online Banking? |
The changes can be made through the Internet Banking Department at FNB Mineola. Close |
| | What do I need to gain access to Online Banking? | Q | What do I need to gain access to Online Banking? |
A user ID, Password, and Internet Access. The internet access could be at work or home. Close |
| | What happens if I lose or forget my ID or Password? | Q | What happens if I lose or forget my ID or Password? |
If you lose/forget your ID or Password, contact FNB Mineola's
Internet Banking Department at (903) 569-6161.
Monday - Friday from 9:00 A.M. - 3:00 P.M. Close |
| | Will Online Banking be available to me all the time? | Q | Will Online Banking be available to me all the time? |
It will be available virtually any time, day or night, 7 days a week. However, there may be times when it is temporarily unavailable due to nightly processing updates, or technical difficulties. Close |
| | Are there any merchants that I cannot pay through the bill payment service? | Q | Are there any merchants that I cannot pay through the bill payment service? |
It is reccomended that you not pay any government agency through Online Bill Pay. Close |
| | Can I edit a merchant's address? | Q | Can I edit a merchant's address? |
No. In order to change a merchant address, you will have to set up a new merchant with the correct address and delete the entry with the incorrect address. Close |
| | How many payees may I set up? | Q | How many payees may I set up? |
You may have up to 99 payees. Close |
| | Will the memo field that I fill out when setting up a payment be passed on to the merchant? | Q | Will the memo field that I fill out when setting up a payment be passed on to the merchant? |
No. The memo field is for your personal records; however, the account number that you entered when you added the payee to your Personal Payee List is printed on the check. Close |
| | Who do I call if I have problems with Online Bill Pay? | Q | Who do I call if I have problems with Online Bill Pay? |
Call FNB Mineola @ 903-569-6161 between normal banking hours and request the Internet Banking Department. Close |
| | How can I view my statements through Online Banking? | Q | How can I view my statements through Online Banking? |
To view a statement online:
- Sign on to Online Banking and click on the E-Statements at the top of the screen
- Select the account you wish to view from the drop-down list
- Click on "View" under "View Document" by the month you wish to look at
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| | How current is my banking information? | Q | How current is my banking information? | Your account information is updated every business day with transactions that posted to your account the previous day. Close |
| | When can I use Online Banking services? | Q | When can I use Online Banking services? | With Online Banking, you have access to your account information 24 hours a day, 7 days a week. Close |
| | Are there times when this site is unavailable? | Q | Are there times when this site is unavailable? | Yes, there are times when this site may not be available periodically due to maintenance. We appologize for any inconvenience this may cause. Close |
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Bill Pay FAQ'sShow All | Close All | What is Online Bill Pay? | Q | What is Online Bill Pay? | Bill Pay is a feature of Online Banking that allows you to pay your bills online. (FNB Mineola charges $5.00 a month for this feature.) Close |
| | How can I add payees for bill payment? | Q | How can I add payees for bill payment? | Log in to The First National Bank of Mineola's Internet Banking and select the Make Payments tab. Click on Manage Payees. In the My Payees section, click Add Payee. You can choose payees from the Common Payee List or you can add a new payee by clicking the Add a New Payee button. Close |
| | How can I edit or delete a payee? | Q | How can I edit or delete a payee? | Log in to The First National Bank of Mineola's Internet Banking and select the Make Payments tab. Click on Manage Payees. To edit or delete your personal payees, click on a payee name or the Edit or Delete icon. Changes you make to existing payees will immediately affect pending and future payments to that payee. Close |
| | Should I use Online Bill Pay to make a payment on a loan at FNB Mineola? | Q | Should I use Online Bill Pay to make a payment on a loan at FNB Mineola? | Online Bill Pay should only be used for making payments to other institutions. If you need to make a payment on a loan at FNB Mineola you should use the online transfer function. Close |
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Privacy FAQ'sShow All | Close All | What is The First National Bank of Mineola's policy about disclosing customer information? | Q | What is The First National Bank of Mineola's policy about disclosing customer information? | We do not disclose nonpublic personal information about our customers or our former customers to anyone except as permitted by law. Close |
| | How do we ensure privacy and security during your online sessions? | Q | How do we ensure privacy and security during your online sessions? | The information you provide to us online is protected by Secure Socket Layer (SSL) technology. SSL is the leading security protocol for data transfer on the internet. This technology scrambles your account information as it moves between your PC's browser and The First National Bank of Mineola's computer systems. When information is scrambled, or encrypted in this way, it becomes nearly impossible for anyone other than The First National Bank of Mineola to read it. This secure session helps protect the safety and confidentiality of your information when you bank with us online. Close |
| | How often does The First National Bank of Mineola notify me about their practices? | Q | How often does The First National Bank of Mineola notify me about their practices? | We must notify you about our sharing practices when you open an account, and each year while you are a customer. Close |
| | Does The First National Bank of Mineola sell mailing lists of its customers? | Q | Does The First National Bank of Mineola sell mailing lists of its customers? | No, FNB Mineola does not sell mailing lists. We value our customer relationships and do not feel that selling mailing lists would benefit those relationships. Close |
| | Does The First National Bank share or sell customer information to another company that would try to sell me something? | Q | Does The First National Bank share or sell customer information to another company that would try to sell me something? | No, FNB Mineola does not believe that our customers would appreciate receiving unsolicited offers from other companies. Close |
| | I opened an account with your Bank, and the only time I have used a particular address is for that account. Now I am recieving "Junk Mail" at that address! | Q | I opened an account with your Bank, and the only time I have used a particular address is for that account. Now I am recieving "Junk Mail" at that address! | If you have your name and address on a check, and you give that check to a person or company to purchase something or pay a bill, that person or company can create their own list by taking your name and address right off of the check. It is an unfortunate sutuation, but we have no control over what other companies do with the name and address information on a check that you have given to them.
If you order checks from an outside check vendor rather than ordering checks through the Bank, we have no control over what that outside check vendor will do with the information you provide them. If you order checks through the Bank, we have a contractual relationship with our vendor to keep your information confidential. In addition, if you order checks through the Bank, you can request that the checks be sent to the Bank for you to pick up rather than having them sit in your mailbox until you get home. Close |
| | I got a Home Equity Loan from your Bank, and within a few weeks of getting the loan, I received all kinds of mail about that loan! How did that happen? | Q | I got a Home Equity Loan from your Bank, and within a few weeks of getting the loan, I received all kinds of mail about that loan! How did that happen? | Whenever you get a loan or line of credit secured by your home, the Bank has to record a Deed of Trust on the property. The Deed of Trust is recorded with the county recorder, and all information on the Deed of Trust becomes public information. Anyone can get that information from the county recorder. Many finance companies and other marketers create mailing lists from information they get from the county recorder and other public sources of information. We have no control over the information available from a public source such as the county recorder. Close |
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The OCC Consumer Assistance Group (CAG)
The OCC Customer Assistance Group was created to answer questions, offer guidance, and assist consumers in resolving complaints about national banks and their subsidiaries.
The first step is to try to resolve a complaint directly with your bank or its operating subsidiary before involving an outside agency. If you are unable to do so or are uncertain about whether your complaint involves an organization that the OCC supervises and regulates, the OCC Customer Assistance Group will try to assist you.
www.occ.treas.gov/customer.htm
Identitiy Theft
Identity theft has become one of the fastest-growing crimes we see today. With the ability to commit this crime from almost anywhere in the world
If you suspect Identity Theft, you must act quickly. The first thing to do is to contact the financial institution involved. Most credit card accounts list a phone number for reporting fraud, or a lost or stolen credit card. Don’t wait to report the loss of a credit or debit card.
In addition to notifying your financial institution, you should also contact one or all of the Credit Reporting Organizations listed below:
Equifax 1-800-525-6285 www.equifax.com
Experian 1-888-397-3742 www.experian.com
Trans Union 1-800-680-7289 www.transunion.com
Federal Trade Commission's ID Theft Website
www.ftc.gov/bcp/edu/microsites/idtheft/
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