Online Banking Security
The First National Bank of Beeville values the security of your online account information, and we want you to
be aware of the critical role you play in keeping it secure. We take certain steps to enable your secure
connection to online banking. There are also additional steps you must take to prevent unauthorized access
to your accounts.
Our Security Measures
1.) Computer registration
As part of our security system, you must answer challenge questions when logging into online banking. You
may elect to register your computer (dropdown menu below the challenge question) to bypass the challenge
question on subsequent visits from the same computer. You should only register a computer which is not
accessible to the public.
Tip: You may be periodically asked challenge questions even after registering your computer. Also, if cookies are
cleared in your browser, you may have to re-register the computer.
Tip: You can change your challenge questions and answers at any time from the “OTHER SERVICES” > “Change
Image/Questions” page within online banking.
2.) Security between your computer and our servers
When information is transmitted between your computer and our online banking servers it is encrypted to
prevent anyone in between from being able to read it. Encrypted connections like this can be verified in your
browser by a padlock symbol. The website address should also begin with “https”. The “s” stands for secure.
3.) Inactivity timeout
After 15 minutes of inactivity in online banking, you are automatically logged off. This reduces the risk of
someone else accessing your account while your computer is unattended.
4.) Password lockout
After 3 invalid login attempts, your account is locked out until the following day. You may also call us to
unlock your account sooner if necessary. This helps prevent someone else from guessing your password.
5.) Password requirements
Your online banking password must be a minimum of 8 characters and contain at least 1special character and
at least 1 number. It also must not contain your user ID, first name, or last name. This helps prevent someone
else from guessing your password.
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6.) Account number masking
Only the last 4 digits of your account number(s) are displayed in online banking. This prevents someone else
viewing your account numbers while logged in.
Your Security Measures
1.) Be careful of requests for your personal information
We will never contact you to ask for your user ID, password, or other personal information. Some email and
telephone scams will attempt to get you to disclose personal information. The scammer then uses the
information to access your accounts or commit other fraud. We will only ask for personal information if you
call us to get information about your account(s).
2.) Protect your computer
One of the most important ways of preventing unauthorized access to your online accounts is to keep your
computer free of viruses and spyware. This malicious software can be used to record and transmit your login
information and other personal data.
1.) You should have an antivirus program installed AND keep it updated. New viruses and spyware
spread continuously so updating is critical.
2.) You should install the latest security updates for Microsoft Windows®, Adobe Flash Player®, Adobe
Reader®, Oracle Java®, and other programs. Microsoft Windows® updates are available through the
update.microsoft.com website. For other software vendors, please refer to their website for update
information.
3.) You should have a firewall running on your computer. Microsoft Windows® has a firewall included
but you should verify that it is enabled or that another firewall is installed.
3.) Protect your user ID & password
You are responsible for the security of your user ID and password. You must not disclose your user ID or
password to anyone not authorized to access your account. You should memorize your login information so it
is not written down.
Tip: You can change your user ID at any time from the “OTHER SERVICES” > “Update Personal Info” page within
online banking.
Tip: You can change your password at any time from the “OTHER SERVICES” > “Update Personal Info” page
within online banking.
4.) Set email alerts
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Alerts can be sent to your email address when certain online banking events occur. Some of the available
events include transactions over a certain amount, account balances below a certain amount, and when your
online banking account is accessed. Please follow the two steps below to enable email alerts.
1.) Verify your email address information is correct on the “OTHER SERVICES” > “Update Personal Info”
page in online banking. Please allow at least one business day for any changes to become effective.
2.) Set your email alerting options on the “OTHER SERVICES” > “Add/Edit Alerts” page.
5.) Log Off
You should click “Log Off” when are finished with your online banking session. This reduces the risk of
someone else accessing your account while your computer is unattended.
6.) Liability for Unauthorized Transfers
Tell us AT ONCE if you believe your online banking user ID or password (credentials) has been lost or stolen or
if you believe that an electronic funds transfer has been made without your permission. Telephoning is the
best way of keeping your possible losses down. The following limitations may be applicable to your account(s).
You could lose all the money in your account(s) (plus your maximum overdraft line of credit). If you tell us
within two (2) business days after you learn of the loss or theft of your credentials, you can lose no more than
$50.00 if someone uses your credentials without your permission. If you do NOT tell us within two (2) business
days after you learn of the loss or theft of your credentials, and we can prove that we could have stopped
someone from using your credentials without your permission if you had told us, you could lose as much as
$500.00. Also, if your statement shows transfers that you did not make, including those made by online
banking or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was
mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could
have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip
or a hospital stay) kept you from telling us, we will extend the time periods.
7.) Business accounts are at higher risk
If you have a business account, you should be aware that you are more likely to be a target for account
takeover attempts. We strongly encourage you to periodically evaluate your risk, review the security
measures listed above, and verify they have been implemented. If you use our ACH Origination service, there
is no limitation of your liability for ACH transactions originated from your account(s).
8.) Contact us
If you believe that your credentials have been lost or stolen or that someone has transferred or may transfer
money from your account without your permission call us at one of the phone numbers below. You should
also call or write if you believe a transfer has been made using the information from your check without your
permission.
Beeville:
361-358-1530
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Yorktown:
361-564-2257
Seguin:
830-303-1530
You may also write us at The First National Bank of Beeville, ATTN: Bookkeeping, 1400 E. Houston St., Beeville,
TX 78102.
All other trademarks are the property of their respective owners.
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