Security & Privacy

By utilizing Digital Certificate technology, First National Bank and Trust Company ensures the accuracy and security of any data that is transmitted to us using our secure forms. Digital encryption technology utilizes a long set of codes to scramble and then decode information. A digital key is simply a very special number or group of numbers that is carefully chosen to have certain mathematical properties. Depending on the encryption algorithm being used, the key may be a large random number or a set of related numbers. These keys are the basis of on-line identity verification. Once information has been scrambled using the public set of codes for First National Bank and Trust Company, the only place they can ever be decoded is on our Secure Server. This data is not shared with or sold to any other institution or group.

Another very important part of this technology has to do with secure browsers. Most modern browsers easily handle encryption codes, however if you are using an older version of the software, it would be wise to upgrade now. Then you know you have the best security protection available. To test your current browser, see the information below. There are several ways to tell if the security is working.

  • A small window may pop up to tell you that this is a secure link and ask if you want to continue.
  • When it does switch over to a secure link, look at the link address up in the location window of your browser. Instead of the usual http:// you will notice that it has changed to https:// The 's' denotes Secure Mode. If that does NOT show up, you are not in secure mode.
  • Most browsers also have a small graphic that will pop up and stay in the lower right hand corner of the browser window to denote that you are browsing in a secure mode. A picture of a lock, similar to the one used in our secure graphic, is a good example.

If you do not see that it is performing the security based on the notes above, please feel free to download a newer version of the browser now. Click on the picture of your choice.



The Loan, Membership and Credit applications on our site are all using this secured technology. Please note that e-mails are not secure transmissions so remember never to send account numbers, social security numbers or any other information you would like to keep private to or anyone else in an email message.

Your Privacy

Your Privacy Is A Top Priority

Your trust is the cornerstone of our relationship. That is why we work so diligently to safeguard your privacy. The information that you provide us is kept in the strictest of confidence. We are proud to make that commitment to you, because your trust is the foundation of our business. The following privacy policy explains how we use and protect the information about our customers. After reviewing this information, please contact us if you have additional questions. Thank you for banking with First National Bank and Trust Company. We appreciate your business.

Understanding Terminology

Throughout this communication we may use terms you are not familiar with, so please take a moment to review the following definitions.

We, Ours, Us - Refers to First National Bank and Trust

You and Your - Refers to all of our current and former customers who have or had an account with us.

Nonpublic Personal Information - Refers to information collected as a result of providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

Nonaffiliated Third Party - A company that is not affiliated with First National Bank and Trust Company, but with whom we may have a joint marketing agreement or other relationship.

The Information We Collect

We collect information about you from the following sources:
  • Information you give us on applications or forms.
  • Information about your transactions with us.
  • Information about your transactions with other parties
  • Information from a consumer reporting agency.
  • Information we receive through our Customer Identification Program
We Take Protecting Your Privacy and Confidentiality Seriously

Be assured that we restrict access to your nonpublic personal information to only those employees who need it to perform their job function. We maintain physical, electronic and procedural safeguards that strictly comply with federal regulation to guard your information.

Trust and Fiduciary Relationships

When First National Bank and Trust Company acts as a trustee or is appointed as a fiduciary, information about these accounts is considered extremely confidential. This information is not shared for marketing purposing, either within or outside of First National Bank and Trust Company without your specific consent. Please note that as part of your Trust relationship, you may be provided information about First National Bank and Trust Company products and services.

Information Sharing

We use and share nonpublic personal information about your account history or experiences with us within the First National Bank and Trust Company as permitted by law. We may also share your nonpublic personal information such as: name, address, social security numbers, account history, account balances, payment history with us, parties to transaction and credit usage. This information may be shared with nonaffiliated third parties with whom we have entered into joint marketing agreements, and parties contracted to provide services on our behalf, such as: mortgage bankers, securities broker-dealers, investment firms, insurance agents, other lending or financial services institutions. We also provide such information as permitted or required by law to credit bureaus and to various government entities in response to subpoenas and other legal processes, as well as to those with whom you have requested or authorized us to share nonpublic personal information. Any nonpublic personal information shared with nonaffiliated third parties is limited to that which is required to fulfill a specific purpose and is protected by strict confidentiality provisions.

Former Customers

We do not disclose information about former customers, except as permitted by law.

You have a choice about information sharing.

If you participate in a private-label credit card program or other affinity program offering FIRST NATIONAL BANK AND TRUST products or services, please review the privacy policy (if any) of your programs sponsor for additional information about your rights as their customer.

Additional information to help you.

Access to accounts. If you believe someone has accessed your accounts without authorization, or if someone has discovered your personal identification number (PIN), Personal Security Code, user name or password ("Codes"), please notify us at 608-363-8000 or 800-667-4401 as soon as possible. Please assist us in this effort by protecting your Codes and account numbers. These numbers are for your personal use and should be kept confidential by you. Our employees and associates will never ask you for your Codes or other personal identification numbers and cannot provide you with these numbers if you do contact them.

Accuracy of customer information. We are committed to keeping your customer information accurate. If you believe our records are outdated or incorrect, please contact FIRST NATIONAL BANK AND TRUST 345 East Grand Ave, Beloit WI, 53511. We will investigate the situation and make any necessary updates as soon as possible.

Web site(s). The information you request from our Web site(s) about your accounts can only be accessed with your Codes. It is your responsibility to keep your Codes confidential. Messages you send to us by e-mail are subject to viewing, alteration, and copying by potentially anyone on the Internet. We encourage you to send confidential correspondence through either the Postal Service or by using the telephone to speak directly to our employees.

FIRST NATIONAL BANK AND TRUST

Internet Banking Security Statement

With FIRST NATIONAL BANK AND TRUST Internet Banking, we use a full range of Internet security measures, including cryptography, routers and firewalls, and a trusted operating system to complete our overall security architecture.

Cryptography

Security on the Internet begins with your browser. In order to utilize Internet Banking, you must use a browser that supports the Secure Sockets Layer (SSL) protocol. SSL allows you to securely send and receive encrypted data over the Internet. This protocol provides a secure channel for data transmission through its public/private key encryption capabilities. When a client connects to the Internet Banking Vault Server, the session immediately goes through a "handshaking" process where the server sends a certified Digital ID to the client, whereupon an "encrypted tunnel" is created between the client and the server. This simply means that all requests by the client and, subsequently, all replies by the server are encrypted using an extremely long and complicated key.

We recommend the following browsers:
  • Netscape Navigator 6.1 or greater
  • Microsoft Internet Explorer 6.0
  • Routers and Firewalls
Your account information is protected by a series of filtering routers and firewalls that act as a barrier between the outside world and the internal bank network. The filtering router is the first component that you pass through to gain access to your account information. Much like a security guard, the router is responsible for determining who has access to what components of Internet Banking. This is achieved with Access Control Lists (ACLs) which allow or deny specific services for a particular user. The firewall is the next security component that you pass through. The firewall provides a higher level of security and authentication of a client request. The firewall takes advantage of the same type of ACLs that a router utilizes and tracks each request that was made, who made it, when it was made, where it was made from, and where it was destined for. Each one of these items is used to determine whether the user is granted access to the requested destination and protects the internal bank network from outside access.

Trusted Operating System

The entire Internet Banking application resides within a trusted operating system. The trusted operating system acts much like a firewall by protecting sensitive and proprietary information from the outside world. The trusted operating system accepts your authorized requests for account information, retrieves the information from our database, and sends the information back to your browser in an encrypted format. The system also contains numerous audit controls to track requests and navigation. This audit control allows us to quickly identify any suspicious activity.

Your Responsibility

When your Internet Banking account is established, we will provide you with a username and password to access your accounts through the Internet. The first time you attempt to access your accounts, you will be prompted to change your password. It is important that you memorize your password and not convey it to anyone else. You must make sure that no one is watching you enter your password and that you properly exit your Internet Banking session/browser before leaving the computer. The Internet Banking system allows you to change your password anytime and you should change your password frequently.

Thank you. Any further questions or comments, please Contact Us.


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