*     The first level of security is the Internet banking enrollment process.  We will verify the information you give on your enrollment application to information we have on file.  We will ask you three “secret” questions that only you can answer, and will use this information to verify your identity in certain Internet banking situations should the need arise.


*   The second level of security of your account information is the login process.  Your passcode is subjected to a passcode cracker to ensure it meets basic security standards.  A passcode that is under six characters long or is a dictionary word will be rejected.  Your passcode is stored in an encrypted format on our Internet banking system.  Bank employees do not have access to customer passcodes, and no employees from Fayette County National Bank will ever ask for or receive a customer’s Internet banking passcode.  Login IDs and passcodes should be  treated  as confidential information and should not be shared with anyone.  If you write down your login ID and passcode, keep it in a safe place where no one else has access.  Knowledge of the passcode is assumed to guarantee that the user is authentic.


*   For security purposes it is strongly suggested that you change your passcode at a minimum of every 90 days.  You may change your passcode and security verification question under “User Services” after login.


*   If your passcode is entered incorrectly three times in a row, the system disables your Internet banking access.  The fourth attempt will fail.  You can restore access by calling our Internet Banking Department at (304) 574-1212 and verifying that you are the person making the repeated login attempts.  Our Internet Banking Department can also assist you if you forget your passcode by issuing you a temporary passcode.  You must login using the temporary passcode within 24 hours, and when logging in with the temporary passcode for the first time you will be prompted to enter a new passcode that meets security standards.


*    Our Internet Banking system locks the Internet session after 10 minutes of   inactivity.  You can quickly and easily resume your Internet banking session by re-entering your passcode.


*   Because your Internet Banking session is secure, it is necessary that you log off the site   correctly.  If you simply close the browser window or move to a different website without logging off first, it could result in unauthorized access to your financial information by other users of the same computer.  You may exit using the “Log Off” link at the top of the Internet banking screen.  If you have logged off correctly, our website main page will appear. 


*   In conjunction with our Internet banking provider, FundsXpress, and our bill pay provider, CheckFree, we utilize Secure Socket Layer (SSL) 128-bit encryption for all bill payment, transfers, and viewing your FCNB financial information.  Encryption is the conversion of data into a form that cannot be easily understood by unauthorized users. SSL protects transmissions in three ways:


o       Encryption – SSL encrypts data so that no one who intercepts it is able to read it

o       Digital Certification – SSL can assure a user that they are dealing with the actual server they intended to connect to

o       Authentication – SSL can prevent any unauthorized users from connecting to your information.


When you access our website, look at the lower right hand corner.  When you are on general information, you only see the Internet icon. When you login to view your account information or to Bill Pay or transfer, you will see a lock at the bottom right.  Right click on the lock, and it will say “SSL Secured (128 Bit)”. (Lock may not be visible with IE7, Firefox 2 & 3, and Safari).


*   Fayette County National Bank, along with FundsXpress and CheckFree, utilizes firewalls to protect your account and online Internet banking activity.  A firewall acts as a barrier between the Internet and Fayette County National Bank’s internal system and permits only authorized traffic to come in or go out. 


*   Any e-mail about your account, transactions, or personal financial information should only be   sent to us from “Send a Secure e-mail” under “User Services”.  Sending unencrypted e-mail may   allow the information to be intercepted and viewed by others.  You may also call our Internet Banking Department at (304) 574-1212.  Your identity will be verified before any confidential information is discussed.


This website utilizes SSL 128-bit encryption and high-end firewalls to protect your account information. However, the responsibility of preventing online fraud is equally shared by Internet Banking customers. Three critical PC protections are updated computer virus software, spyware protection, and a secure firewall. In a 2005 study, 81% of home PCs lacked at least one of these three critical protections.   If your computer does not have updated virus software, updated spyware protection, and updated firewalls, your computer could be vulnerable.  Please go to our home page under Bank News, and click the "Protect Your Computer" link for more information.