Personal online banking is a web-based service that provides First National Bank of Northern California customers a secure and convenient way to access their account information via the internet 24/7.

Personal online banking is free for all First National Bank of Northern California consumer customers.

With personal online banking you can:
• View account and loan balance information
• Transfer funds between First National Bank of Northern California accounts
• Make loan payments or loan advances
• View and print your previous and current month account statements
• Retrieve image statements
• View cancelled check images
• Search transaction history by check number, amount or date
• Issue stop payments
• Export transactions to Quicken, QuickBooks, Money or Excel
• Reorder Personal Checks

Minimum hardware requirements:
PC or MAC computer, 486 with a 66 megahertz (MHz) processor (Pentium processor recommended); 32 MB of RAM minimum and internet access (high speed recommended)

The following software is required:
• Windows 98 or higher
• Microsoft Internet Explorer (IE) for Windows version 6.0 SP2 or higher with 128-bit encryption
• Mac OS X 10.2.x or higher
• Mozilla Firefox version 2.0 or higher with 128-bit encryption

AOL is not a supported browser.

Personal online banking is not compatible with Web TV.

Yes, you can access personal online banking with Mozilla Firefox browser version 2.0 or higher.

Yes, the following formats are available to export from First National Bank of Northern California's personal online banking:
• .CSV - Comma Separated - Microsoft Excel™
• .QIF - Quicken™version 2004 or older
• .IIF - Quickbooks™version 2004 or older
• .QFX - Quicken™version 2005 or newer - Web Connect
• .QBO - Quickbooks™version 2005 or newer - Web Connect
• .OFX - Money™

Yes, personal online banking is available with the following browsers:
• Microsoft Internet Explorer (IE) for Windows version 6.0 SP2 or higher with 128-bit encryption
• Mozilla Firefox version 2.0 or higher with 128-bit encryption

To enroll, complete and submit a personal online banking application. The application is available under the Online Banking section.

After your enrollment is processed, you will receive an Access ID and Password from First National Bank of Northern California's Electronic Banking Department.

On the homepage, click on the drop down under View Your Account and select Personal Banking, enter your Access ID below.

Please contact First National Bank of Northern California's Electronic Banking Department at 650-488-2512 during normal business hours; Monday - Friday from 8:00 am to 5:00 pm.

Please contact First National Bank of Northern California's Electronic Banking Department at 650-488-2512 during normal business hours; Monday - Friday from 8:00 am to 5:00 pm.

Please contact First National Bank of Northern California's Electronic Banking Department at 650-488-2512 during normal business hours; Monday - Friday from 8:00 am to 5:00 pm.

• Checking
• Money Market
• Savings
• Loans
• IRA
• Certificate of Deposit

• Balances
• Account Transactions
• Account Statements
• Check Images

Checking account statements are available for 13 months.

Statements are available to print under the "Documents" tab in the personal online banking system

Pending transactions refers to deposits, withdrawals and/or transfers that will be processed on the current business date.

Transfers are available between Checking, Savings and Loan Accounts.

Transfers between accounts submitted on a business banking day prior to 4:30 pm PST will be credited to your account the same day. Transfers submitted after 4:30 pm PST or on a non business banking day will be credited on the next business day.

You can schedule future-dated transfers between your accounts. Recurring transfers can be made at regular intervals, such as once a week, once a month, every three months, etc.

Yes, funds can be transferred to an account at another institution via personal bill payment.

Yes, you can take advances from your line of credit using personal online banking.

Yes, you can make payments using personal online banking. There are different payment options; regular, principal only and interest only.

Yes, stop payments can be placed on a check using personal online banking.

Yes, checks can be ordered by clicking on the "order checks" button.

To request a change of address, contact your local branch. Branch contact numbers are listed under the Locations, Hours and ATM tab on the homepage.

Please contact First National Bank of Northern California's Electronic Banking Department at 650-488-2512 during normal business hours; Monday - Friday from 8:00 am to 5:00 pm.

Please contact First National Bank of Northern California's Electronic Banking Department at 650-488-2512 during normal business hours; Monday - Friday from 8:00 am to 5:00 pm.

Personal bill payment is a service of online banking that allows you to schedule your bills for payment.

Classic bill payment is $5.95 per month. When you have a designated checking account with First National Bank of Northern California, classic bill payment is free of charge.

Plus bill payment is $6.95 per month. When you have a designated First National Bank of Northern California checking account, plus bill payment has a nominal fee of $2.00.

You can pay almost anyone anywhere in the United States. However, online payments cannot be made for taxes, government agencies, collection agencies, security companies such as Ameritrade for stock purchases or any court directed payments.

There is no limit to the number of bills that can be paid.

To enroll, complete the personal bill payment application. It is located within the personal online banking program.

Personal bill payment users can begin paying bills immediately.

Only a checking account can be used to pay bills.

The funds are withdrawn from the account on the process date of the payment.

It is recommend that payments are schedule at least 5 to 7 business days prior to the due date.

We offer two methods of payment delivery. The majority of our payments are made electronically, through a secure electronic transmission, while other payments are made by paper checks that are mailed to the payee.

Once you are enrolled in personal bill payment, payees can be added under the Payees tab; Add New Payees.

You may view your payees by selecting View Payees under the Payees tab.

Payees can be changed by clicking the View All Payees button under the Payees Tab. Once all payees are listed, click on edit.

Payees can be deleted by clicking the View All Payees button under the Payees Tab. Once all payees are listed, click on delete.

Yes, you can schedule recurring payments that you make regularly for the same amount.

Same day payments cannot be made at this time.

You can view scheduled payments by selecting Scheduled Payments under the Payments tab.

If the scheduled payment has not been processed, the latest time for changes or cancellation of a payment is 11:30 am PST Monday through Friday. You may change or cancel it by selecting Scheduled Payments under the Payments Tab.

Personal bill payment accounts can be unlocked by contacting Bill Payment support at 1-877-308-0245 or the Electronic Banking Department at 650-488-2512 during normal business hours; Monday - Friday from 8:00 am to 5:00 pm.

Personal bill payment can be cancelled by contacting the Electronic Banking Department at 650-488-2512 during normal business hours; Monday - Friday from 8:00 am to 5:00 pm or your local branch.

First National Bank of Northern California strives to provide the highest level of security against identify theft and online fraud. Online banking requires 128-bit SSL encryption and Multifactor Authentication.

First National Bank of Northern California will NEVER attempt to obtain your personal information, such as social security number, account number, Access ID or Password through an email communication. Should you receive an e-mail requesting verification of this information DO NOT respond and contact First National Bank immediately.

If you suspect your Access ID and/or Password have been comprised, contact First National Bank of Northern California immediately.

If the Authentication Image and Authentication Pass Phrase are not displayed, do not enter your password and contact First National Bank of Northern California immediately.

Multifactor Authentication is an addition layer of security that uses several different forms of verification before allowing access to your account information online. Multifactor Authentication helps prevent unauthorized access to your accounts while reassuring you that you are on First National Bank of Northern California's website by using an Authentication Image, Authentication Pass Phrase, and three security questions. These additional features would not appear on a phished site.

Challenge questions are questions that only the user would know the answer to.  They prevent unauthorized people from getting access to your online banking information. Therefore, even if your Access ID and Password are compromised, a challenge question must be answered prior to the account information being displayed.

Phishing is a type of online identify theft which uses e-mail and fraudulent websites that are designed to steal your personal data or information such as your Access ID, password or credit card number.

Pharming is a scam practice in which unauthorized software is installed on a computer or server, misdirecting users to fraudulent web sites without their knowledge.

Spoofing is a type of identity theft whereas emails that look like they are from a legitimate source are sent with a link to a phony website. The customers are asked to enter personal information.

A trojan horse virus is designed to allow a hacker remote access to your computer.

To protect your computer, ensure you have an anti-virus software installed. The anit-viurs software and operating system must have the most recent updates.

Public computers may have keystroke logger or keystroke recorder software installed which can compromise your Access ID and password. Since the security of a public computer cannot be verified, it is recommended you not use one to access online banking.

Yes, passwords expire every 90 days.

Yes, you can change your password. Select Option once you have logged on to your online banking account.

Yes, you can change the Authentication Image and Authentication Pass Phrase. Select Options once you have logged on to your online banking account

First National Bank of Northern California requires each signer to have their own unique Access ID and Password.