Frequently Asked Questions

Q. Why do I get error messages when I'm trying to use NetTeller late afternoon and early evening?

A. There is a small window of time in the afternoon between the hours of 4 and 5 pm when First National Bank is updating the day's transactions and NetTeller is not accessible. The update usually takes about fifteen minutes.

Q. My direct deposit is due on the 1st of the month, but the 1st falls on Sunday this month.  When will my deposit be available? 

A. Normally, when your paydate falls on a non-business day (Saturday, Sunday or a Federal Reserve Holiday) the deposit will be available the business day prior to the date it is due.

Q. What is First National Bank's routing number? 

A. 044106384

Q. When I use PowerPay, why does it take so long for some of my bills to be paid?

A. At the time you set up your payees for PowerPay, the system will tell you check or electronic.  If your payment is going to be made by check, you must allow eight (8) business days for the payment to reach your payee.  If your payment is going to be made electronically, you must allow three (3) business days.

Q.  What are non-business days for First National Bank?

A. Non-business days are Saturday, Sunday and Federal Reserve Holidays.

Q. Why is First National Bank offering statement savings instead of passbook savings accounts? 

A. With all of the electronic banking options (billpay, transfers, preauthorized debits, ACH, ATM cards) available to use, banks are required by law to give the consumer a monthy statement.  When a deposit or withdrawal is made to the account in person, you receive a printed teller receipt.  Receipts for electronic transactions are not always provided.  First National Bank must provide a statement or a combined statement showing each transaction.

Q. I paid extra on my loan this month.  Why did so much of my payment go toward interest?

A. Interest on your loan accrues every day.  If you make two payments at the same time, interest due or whatever interest has accrued since your last payment, will be taken first, then the rest of your payment amount is applied to the principal of the loan.