Online Banking

Online Banking

Your bank shouldn't add another errand to your already busy lifestyle. Here at First National Bank, we make banking even more convenient with our Online Banking service.

Summary

Log in with your secret password, and use our secure software to manage your accounts. Check your account balances, transfer funds, get electronic statements and download them into your financial software, and so much more -- all from the comfort of your own home, your office, or any internet-enabled computer. It's that easy!

Benefits:

  • Encrypted software
  • Easy access from any computer
  • Available anytime, day or night
FAQ

How do I access Online Banking?

After your First National Bank Syracuse-Johnson checking application has been approved, simply click on the words "Online Banking" on any of our Web pages. When using Online Banking for the first time, click on the button "Click here to create or change your pin number" to set up your pin number.

How frequently is my First National Bank Syracuse-Johnson information updated?

First National Bank Syracuse-Johnson updates all customer information nightly. Whether you access Online Banking, Touch Tone Banker, or contact us directly, your account information is updated nightly to reflect all account activity.

Can I look at all of my transactions at any time?

Yes, with Online Banking and the TouchTone Banker, you have access to your account information 24 hours a day, 7 days a week!

After I have signed up online for electronic bill payment, how long does it take for my User Kit to arrive in the mail?

Once you have completed the sign-up form at the Web site, your User Kit will arrive in the mail within 5-10 business days.

How does bill payment work?

To help you understand the process, we have provided a diagram.

How long does it take to set up a new payee in the bill payment system?

Once you have entered a new payee into the Electronic Bill Payment System, it takes two business days to set up the payee to receive payments.

Even though it takes two business days to set up a new payee, can I still enter a bill payment to the new payee during those two business days?

Yes. You may enter a payment to your new payee immediately; however, the payment will not actually be made until the payee is set up. Any payments made to the payee before the payee is added to the system will be delayed in reaching the payee by approximately two business days.

After I make a bill payment, how long does it take for the money to be debited from my account?

The money will be debited electronically from your account within 1-3 business days starting on the business day following the payment date. If you make a payment on Monday, you can expect the money to be debited from your account by Wednesday or Thursday of the same week.

How long does it take for a payment to reach the payee?

A payment that generates an ACH payment will credit the payee's account within 1-3 business days; whereas, a paper check will take up to 10 days.

How do I actually use the Electronic Bill Payment System?

Step-by-step instructions can be accessed by pressing the help button within Online Banking.

Online Banking System Security

In Internet banking, as with traditional banking methods, security is a primary concern. At First National Bank Syracuse-Johnson we have taken every precaution necessary to be sure your information is transmitted safely and securely. The latest methods in Internet banking system security are used to increase and monitor the integrity and security of the system.

The security of the First National Bank Syracuse-Johnson Internet banking application is addressed at three levels. The first concern is the security of customer information as it is sent from the customer's PC to the Web server. The second area concerns the security of the environment in which the Internet banking server and customer information database reside. Finally, security measures are in place to prevent unauthorized users from attempting to log into the online banking section of the Web site.

Data security between the customer browser and our Web server is handled through a security protocol called Secure Sockets Layer (SSL). SSL provides data encryption, server authentication, and message integrity for an Internet connection. In addition, SSL provides a security "handshake" that is used to initiate the connection. This handshake results in the client and server agreeing on the level of security they will use and fulfills any authentication requirements for the connection. Currently First National Bank Syracuse-Johnson's online banking application supports data encryption at the highest level (128 bit). In order to get this level of encryption, you will need a browser that supports it. Both versions 3 and 4 of the most popular browsers support 40-bit encryption as a default, and have complete versions as well as patches that will support the stronger 128-bit encryption. Check with your browser manufacturer's website for more information.

Requests for online banking information are passed on from the Web server to the Internet banking server. The Internet banking application is designed using a three-tiered architecture. The three-tiered architecture provides a double firewall, completely isolating the Web server from the customer information SQL database.

The World Wide Web interface receives SSL input and sends requests through a firewall over a dedicated private network to the Internet banking server. The World Wide Web interface is the only process capable of communicating through the firewall to the Internet banking server. Therefore, only authenticated requests communicate with the Internet banking server.

The customer information database is housed on a Microsoft SQL Server, which implements Microsoft NT security in addition to the firewall technology. The customer database is stored on a RAID-5 drive array, which provides uninterruptible data access, even in the event of a hard drive failure. Just as the World Wide Web interface is the only process capable of communicating with the Internet banking server, the Internet banking server is the only process able to send requests to the SQL database. Thus, the outside world is removed from the customer database by two dedicated private networks.

A security analyzer constantly monitors login attempts and recognizes failures that could indicate a possible unauthorized attempt to log into an account. When such trends are observed, steps will be taken automatically to prevent that account from being used.

Security concerns have been addressed from every angle within the architecture of the Internet banking application. Implementation of the SSL security protocol on the Web server and customer browser ensures authenticated data has been received from the customer. The three-tiered approach of the Internet banking application creates a double firewall that performs information requests over dedicated networks designed to handle specific functions. Placing all business logic and event logging within the Internet banking server creates a controlled environment that allows quick incorporation of Internet security technologies as they evolve. Finally, the security analyzer monitors login attempts in order to prevent unauthorized logins.

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