Online Banking Personal
Frequently Asked Questions
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For answers to questions not covered here, contact First National Bank of Southern California today.
What is Online Banking-Personal? Online Banking-Personal is an Internet-based service that provides you with a safe and convenient way to do your banking 24 hours a day, 7 days a week. With Online Banking-Personal, you can view your personal account balances, obtain current and previous statements, transfer funds between accounts and more!
How much does Online Banking-Personal cost? Online Banking-Personal is free to First National Bank of Southern California customers with personal accounts.
Who can access Online Banking-Personal? Online Banking-Personal is available to any customer with a First National Bank of Southern California personal account such as checking, savings, loan or CD.
How do I sign up for Online Banking-Personal? To begin using Online Banking-Personal, click the Online Banking-Personal Enroll button at the top of the page. Review the Online Banking-Personal Online Banking Agreement and Disclosure and click I Accept These Terms. Complete the First Time Log In form. If you do not know your four-digit Electronic Banking PIN, contact First National Bank of Southern California at (951) 788-2265. Once you click Submit on the First Time Log In form, you will be prompted to enter an Access ID and Password. For your protection, your Password must be a minimum of 8 characters with at least one number and one letter. The Access ID and Password fields are also case sensitive. You will use these to sign on to Online Banking-Personal in the future.
If I have a business account with First National Bank of Southern California, can I access it through Online Banking-Personal? If you have a business account with First National Bank of Southern California, you can access it through our Online Banking-Business service. Click here to learn more about Online Banking-Business or contact your banker today!
Which of my personal accounts can I access through Online Banking-Personal?
You can view the following personal accounts with Online Banking-Personal:
- Reserve Checking (Overdraft Protection)
- Line of Credit
- Personal Loans
- Certificate of Deposit (CD)
- Individual Retirement Account (IRA)
What do I do if I can't view all of my accounts on Online Banking-Personal?
If you are unable to view all your personal accounts, please contact First National Bank of Southern California during regular business hours.
How current is the information on Online Banking-Personal?
Unlike other financial institutions, which update information in "batches" one or two times a day, Online
Banking-Personal is "real-time." Account balances and transactions for savings and checking accounts are generally current and will reflect transactions made during the day as they occur. Transactions conducted by a teller are usually posted by the end of the business day. Please remember that checks deposited with a teller may require time for the check to clear before the funds are available in your account. Balances for other account types such as loans and CDs are generally current as of the end of the previous
How much transactional information is maintained on Online Banking-Personal?
You can access transactional information for your current and previous bank statements including check images. The past 12 months of statements are also available to view and print.
When will transfers made through Online Banking-Personal be credited or debited from my account?
Most financial transactions requested before 6:00 p.m. Central Standard Time, are processed immediately on the business day they are requested. Transactions requested after 6:00 p.m. Central Standard Time or on weekends and holidays will be processed on the next business day. When a transaction is complete, you will receive a confirmation number. The transaction will appear on your bank statement as usual.
Can I transfer funds from/to another financial institution through Online Banking-Personal?
You may only transfer funds between your Online Banking-Personal accounts within First National Bank of Southern California.
Can I transfer funds between my personal and business accounts using Online Banking-Personal?
You are unable to transfer funds between your personal and business accounts. Please contact First National Bank of Southern California to make transfers between these types of accounts.
Can I download my Online Banking-Personal account information into my financial management software on my computer?
Yes, information can be downloaded from your checking, savings or loan accounts on Online Banking-Personal into a format that can be used with Quicken, Microsoft Money or other commonly used spreadsheet applications (such as Excel, Access or Lotus). Simply follow these steps:
- From the Accounts screen, select the account from which you want to export information. This will take you to the Balance screen.
- Click on the Transactions button or select Transaction Menu from the drop down list.
- Complete the Transactions Search box.
- Click Export
What system requirements will I need to use Online Banking-Personal?
To access Online Banking-Personal you will need a computer with Internet access and an Internet browser with 128-bit encryption such as Internet Explorer 5.5, Version SP1 or greater. For optimal viewing, use a monitor with a resolution of 800 x 600 and a computer with a 486 processor or higher.
Whom do I call if I have problems signing on to Online Banking-Personal?
If you are having problems signing on to Online Banking-Personal such as your Password doesn't work or the link from www.fnbsocal.com to Online Banking-Personal doesn't work, please contact First National Bank of Southern California during regular business hours. If you are experiencing problems with your Internet browser, connection or other technical issues with your computer, please contact the appropriate provider or supplier. First National Bank of Southern California is unable to provide technical support for computer or browser related problems.
What if I forget my Access ID or Password?
If you forget your Access ID or Password, please contact First National Bank of Southern California during regular business hours.
How do I change my Online Banking-Personal Password?
If you want to change your Password, follow these instructions:
- Sign On to Online Banking-Personal.
- Click the Change Password button located under Options.
- Enter your existing Password.
- Enter your new Password.
- Enter your new Password a second time for confirmation.
- Click Submit. Your Password is changed.
For your protection, Passwords must be a minimum of 9 characters and include at least one number and one letter. Fields are also case sensitive. You will also be required to change your Password every 90 days.
Can I access Online Banking-Personal outside the United States?
You can access Online Banking-Personal from anywhere you can access the Internet including outside the United States.
Can I access Online Banking-Personal from more than one computer at the same time?
Yes, you can sign on to Online Banking-Personal from more than one computer at the same time. This allows accounts with more than one owner to use Online Banking-Personal at the same time. For example, if a household has a joint checking account, one member of the household can access it from home while the other can access it from work. Account holders can create their own unique Access ID and Password.
Why do I receive errors when I use my back or forward buttons in my Internet browser?
Due to security requirements, there are some instances where we prevent pages from being saved to your computer's hard drive or kept in your computer's memory. In these cases, you will receive a browser error message that requests you to "reload" the page. If you are using Netscape, simply click the browser's Reload button and you will
receive the last page you visited. If you are using Internet Explorer, simply click the browser's Refresh button.
What security measures does Online Banking-Personal use?
Online Banking-Personal uses several different methods to protect your information:
All information within Online Banking-Personal uses the SSL (Secure Socket Layer) protocol for transferring data. SSL is encryption that creates a secure environment for the information being transferred between your browser and First National Bank of Southern California.
At a high level, SSL uses public key cryptography to secure transmissions over the Internet. In practice, your browser will send a message via SSL to the bank's server. The bank responds by sending a certificate, which contains the bank's public key. Your browser authenticates the certificate (agrees that the server is in fact First National Bank of
Southern California), then generates a random session key which is used to encrypt data traveling between your browser and the bank's server. This session key is encrypted using the bank's public key and sent back to the server. The bank decrypts this message using its private key, and then uses the session key for the remainder of the communication.
Secure Socket Layer (SSL) protects data in three key ways:
- Authentication ensures that you are communicating with the correct server. This prevents another computer from impersonating First National Bank of Southern California.
- Encryption scrambles transferred data.
- Data integrity verifies that the information sent by you to First National Bank of Southern California wasn't altered during the transfer. The system detects if data was added or deleted after you sent the message. If any tampering has occurred, the connection is dropped.
What is 128-bit encryption?
There are two types of encryption: High and Standard. The difference between these types of encryption is the strength of capability. A High (128-bit) encryption is exponentially more powerful than a Standard (40 or 56-bit) encryption. High or 128-bit encryption means there are septillion possible keys that could fit into the lock that holds your account information, but only one that works for each time you bank online. First National Bank of Southern California uses the highest level of encryption (128-bit) to ensure your online transmissions are secure.