First National Bank in Pratt - Working for You!

Please feel free to print any information that you need. Should you have any other questions concerning FNBOnline or FNBOnline Bill Pay, please contact us at (620) 672-6421, extension 0, or toll free at 1-800-300-3817.

What does FNBOnline banking enable me to do?
Which accounts can I manage using FNBOnline?
May I use FNBOnline to manage my business accounts?
Is there a fee for FNBOnline?
I noticed that FNBOnline Bill Pay is integrated into FNBOnline. If I enroll in FNBOnline, will I be enrolled automatically for FNBOnline Bill Pay as well?
I'm ready to enroll. What do I need?
What are the User ID and Password requirements?
How long after FNBOnline enrollment will it take before I can access my accounts?
Where do I go to login to FNBOnline?
Who do I contact with questions about FNBOnline?

Is there a limit to the number of transactions that display in FNBOnline at one time?
Is there a dollar limit to the amount of transactions FNBOnline will allow?
Why isn't my account appearing on the Account Summary screen?
When my spouse logs in to FNBOnline, why doesn't he/she see the nicknames or account order I've assigned to our accounts?
If I open a new First National Bank in Pratt account, when will it appear in FNBOnline?

I just enrolled in FNBOnline. When will I be able to transfer funds?
What are the cut-off times for the various transfer frequencies?
Regarding recurring transfers, how are the frequencies defined?
How far ahead can I schedule a transfer?
What is the maximum dollar amount that I can transfer?

Can I change my User ID and Password?
What if I forget my User ID or Password?
Are alerts sent in real-time?

What does FNBOnline Bill Pay enable me to do?
Which account(s) can I use to pay bills?
Is there a fee for FNBOnline Bill Pay?
How long after FNBOnline Bill Pay enrollment will it take before I can begin paying bills?
How do I enroll in FNBOnline Bill Pay?
Who can I pay with FNBOnline Bill Pay?
Do I need to contact my payees to tell them I am using FNBOnline Bill Pay?
How do I edit or delete payees?
How should I schedule my bill payments to make sure they reach my payees on time?
How do holidays affect my scheduled bill payments?
When are bill payments debited from my account?
What form of payment do my payees receive?
How far in advance can I schedule bill payments?
Are there limits to the dollar amount of each bill payment?
How late in the day can I enter, change, or delete a bill payment?
Can I place a stop payment on a bill payment?
Why do I receive an error message when I try to make multiple bill payments to the same person?
How do I access past bill payment information?
Which account will my FNBOnline Bill Pay fees be debited from?
What if my bill payment is not received?
What if I want to cancel my FNBOnline Bill Pay service?

What are the browser and system requirements for using First National Bank in Pratt FNBOnline banking?
When does FNBOnline Banking undergo routine maintenance?
How secure is my account information in FNBOnline banking?
How secure is FNBOnline banking?

Is e-mail sent through FNBOnline secure?
What are "aggregation services" and should I use one?

With FNBOnline, you can manage your First National Bank in Pratt accounts anytime and use the internet to do virtually anything you can do in person at First National Bank in Pratt.

Check your balances. View real-time balances for your First National Bank in Pratt deposit accounts and personal loans. Running balances enable you to follow your balances with each transaction.
Monitor account activity. See the details or conduct searches of the transactions that have occurred on your accounts. Sorting and filtering enables you to create flexible views of your transactions and categorize them to track expenses and quickly look up specific items.
Transfer funds. Schedule transfers, including future-dated transfers, between First National Bank in Pratt accounts at a frequency you select; keep tabs on pending transfers.
Order checks. From FNBOnline and our website, you can print off a Check Re-Order Form. Complete the form and either send it to us or bring it in with you. We’ll do the rest!
Create alerts. Set up e-mail alerts to notify you when an account balance reaches a designated amount, when a transfer is complete, when a check clears, or when a CD matures.
View statements and check images. Download your monthly statements and view check images. Choose eStatements, a better way to get your account statement. You may access up to 15 months of past statements.
Communicate with customer service. From within FNBOnline, send secure messages to and receive secure messages from First National Bank in Pratt Customer Service Representatives.
Pay your bills. Add FNBOnline Bill Pay and enjoy even greater convenience. Pay your bills using FNBOnline - at the same time and place that you're already managing your First National Bank in Pratt accounts.
And more!

FNBOnline provides you with secure, unlimited access to your First National Bank in Pratt checking accounts, savings accounts, CD’s, and personal loans.

No, FNBOnline can only be used to manage your personal accounts, not any business accounts.

FNBOnline is absolutely FREE! Fees may apply for FNBOnline Bill Pay if you add it, but customers who qualify for our relationship banking product FIRSTRewards® receive FNBOnline Bill Pay FREE of charge.

I noticed that FNBOnline Bill Pay is integrated into FNBOnline. If I enroll in FNBOnline, will I be enrolled automatically for FNBOnline Bill Pay as well?

No. FNBOnline Bill Pay is optional. Because fees may apply, you're required to enroll for FNBOnline Bill Pay separately. You may enroll for FNBOnline Bill Pay during FNBOnline banking enrollment, or you can add FNBOnline Bill Pay at any time by clicking the "Bill Payment" link from the left navigation panel within FNBOnline banking.

In order to enroll in FNBOnline, you'll need to gather your most recent First National Bank in Pratt statement and be prepared to provide your Social Security Number and e-mail address. During enrollment, you'll select a User ID and Password.

Should not reveal personal information
Must contain between 8 and 32 characters
Must contain at least 2 alpha and 2 numeric characters
Is case sensitive
May contain special characters, such as !@#%^&()*

Cannot be the same as your User ID
Must contain between 8 and 32 characters
Must contain at least 1 alpha and 1 numeric character
Is case sensitive
May contain special characters, such as !@#%^&()*

How long after FNBOnline enrollment will it take before I can access my accounts?

You will have the ability to view account summary information immediately following enrollment. You will not have the ability to transfer funds between accounts for at least one business day.

Once you've enrolled in FNBOnline and you're ready to begin accessing your accounts through FNBOnline, visit www.fnbpratt.com and click the "FNBOnline" menu item located on the menu bar on the left side of the screen.

If you can't locate the answer to your question in one of the detailed FNBOnline help screens or in our list of Frequently Asked Questions, our friendly and knowledgeable First National Bank in Pratt employees are eager to assist you Monday through Friday 8 a.m. to 4 p.m. Call (620) 672-6421, extension 0, locally or 1-800-300-3817 toll free, or use the Message Center from within FNBOnline to send secure e-mails to us.

Is there a limit to the number of transactions that display in FNBOnline at one time?

FNBOnline supports as many as 3,000 transactions within a 60-day transaction history. The number of days displayed is dependent upon when your statement runs.

Is there a dollar limit to the amount of transactions FNBOnline Banking will allow?

Make deposits and withdrawals up to $9,999.99 each and up to $20,000 total each day.

The Account Summary screen displays accounts which you're listed as an owner. If you are an owner and don't see your account, please contact a First National Bank in Pratt Customer Service Representative. Similarly, if you're a trustee or if you have power of attorney and need FNBOnline access to an account of which you're not an owner, contact a First National Bank in Pratt Customer Service Representative.

When my spouse logs on to FNBOnline, why doesn't he/she see the nicknames or account order I've assigned to our accounts?

Account preferences, such as nicknames and the order of accounts, are tied to login profiles. If you and your spouse share a joint account and each of you has your own User ID and Password, each of you is entitled to designate your own account preferences.

If I open a new First National Bank in Pratt account, when will it appear in FNBOnline?

If you're already enrolled in FNBOnline, your new account will appear after at least one business day.

Although you will have the ability to view account summary information immediately following enrollment, you will not have the ability to transfer funds between accounts for at least one business day.

One-time transfers: Transfers to deposit accounts using today's date prior to 6 p.m. Central Standard Time (CST) are immediately reflected in your account balances at FNBOnline and at ATMs. Transfers made after 6 p.m. CST will be reflected in the next business day. To pay items processed against your account overnight, and to avoid possible overdraft or insufficient funds fees, transfers must be sent before 6 p.m. CST .
Repeating transfers: Transfers you schedule for today after 6 p.m. CST in a repeating transfer series will be processed the next business day. Future-dated transfers will be available to pay items processed against your account overnight as of the transfer date you select.

Weekly, the transfer would occur the following Tuesday
Bi-weekly, the transfer would occur every other Tuesday
Twice a month, the transfer would occur every 14 days
Monthly, the transfer would occur the 5th of every month
Quarterly, the transfer would occur 3 months from October 5

Yes, you can change your User ID and Password from "Administration" on the left navigation panel within FNBOnline.

If you forget your User ID or Password, please call 1-866-537-1704. You will be provided with a new temporary User ID or Password.

When you activate FNBOnline Bill Pay, you'll save valuable time. You can pay bills and access your First National Bank in Pratt account information with just one User ID and Password, and instead of writing checks, buying stamps and making trips to the post office, you can securely pay your bills using FNBOnline anytime to virtually anyone.

Manage your payees. Send bill payments to any company that sends you a bill or any person or organization, such as a friend or charity, you wish to send a payment. Assign categories to each payee to make it easier to track expenses.
Manage your bill payments. Pay one bill or multiple bills from one screen. Flexible scheduling options enable you to schedule your bill payments to occur one time or to repeat, to begin processing today or in the future. Keep tabs on pending payments and edit or cancel payments if necessary.
Pay your bills from multiple funding accounts. Select more than one First National Bank in Pratt checking account from which to pay bills.
Generate reports. Customize reports from a variety of criteria to quickly look up specific payments.
And more!

FNBOnline Bill Pay is optional. Fees may apply for FNBOnline Bill Pay. For our customers who qualify for our relationship banking product, FIRSTRewards , FNBOnline Bill Pay is FREE of charge.

How long after FNBOnline Bill Pay enrollment will it take before I can begin paying bills?

After you complete your FNBOnline Bill Pay enrollment on FNBOnline, a First National Bank in Pratt Customer Service Representative will contact you to let you know that your enrollment has been received. Once your enrollment is complete, you will be able to access FNBOnline Bill Pay, but please allow at least two business days before you're able to begin making payments.

You will be given the opportunity to enroll in FNBOnline Bill Pay when you enroll in FNBOnline. If you choose not to enroll in FNBOnline Bill Pay at that time, you can activate FNBOnline Bill Pay at any time by clicking the "Bill Payment" link from the left navigation panel within FNBOnline.

Send bill payments to any company that sends you a bill or any person or organization, such as a friend or charity, you wish to send a payment.

No. Your payees do not need to do anything different to process FNBOnline bill payments.

Only a payee's amount, account number and payment status may be changed; from the Payee Summary list, click the Payee Details link and then select the Change Information link. For any other changes, delete the payee and re-add it with the correct information. To delete a payee - and cancel all scheduled payments for the payee - access the Pending Payments screen and click Cancel under the Action column. Under Payee Management, locate the desired payee and then select Payee Details. Finally, click Delete Payee.

How should I schedule my bill payments to make sure they reach my payees on time?

A "send on" date that you select will be the date your account will be debited for payment and your payment will begin processing for presentment to your payees. Three to six business days following the "send on" date, your payees will receive your payments. When a scheduled payment falls on a holiday or weekend, the payment will be deducted from your account the first business day after the holiday or weekend.

When a scheduled payment falls on a holiday or weekend, the payment will be deducted from your account the first business day after the holiday or weekend.

Your account will be debited on a "send on" date that you select. Your payees will receive your payments three to six business days following the "send on" date.

Your bill payments will be remitted electronically or via paper check. With either form, the payment is provided with the information you have provided, such as your name and account number, so the payee can properly credit your payment.

Cut-off time is 6:00 p.m. Central Standard Time. Any new payments entered by the cut-off time will be accepted to begin processing that day, unless they are future dated. Payments entered after the cut-off time will begin processing the next business day. As long as a payment is still pending, changes can be made. Once a payment has been transmitted, you can no longer make changes to or delete it.

You yourself cannot place a stop payment on a bill payment. To find out if one of your bill payments may be stopped, contact a First National Bank in Pratt Customer Service Representative.

Why do I receive an error message when I try to make multiple bill payments to the same person?

To prevent duplicate payments, you're prevented from submitting more than one payment for the same amount, to the same payee, on the same date. If necessary, please try your payment again the next business day or change the amount of your payment.

You will be able to view up to 60 days of bill payment history from within FNBOnline Bill Pay. To access past payment history, click the "Reports" link from the left navigation panel. Transaction history is also available via your FNBOnline statements, which will remain on FNBOnline for at least two years.

When you enroll in FNBOnline Bill Pay, you will select a First National Bank in Pratt checking account from which to pay your bills. This funding account will also be the account from which your FNBOnline Bill Pay fees will be debited.

If you receive notification that your bill payment was not received, please call 1-866-537-1704 so the problem can be researched.

If you wish to cancel your FNBOnline Bill Pay service, you must contact First National Bank in Pratt in writing at:

We must receive written notice of service cancellation by mail at least ten days prior to the cancellation date.

FNBOnline has been optimized to run on a fairly standard platform that meets the following system requirements:

Hardware: A PC equipped with 133 MHz processor, 64 Mg of memory, 56k modem, and 800x600 screen resolution.
Software: We highly recommend the use of the latest commercially accepted browser versions with 128-bit encryption offered by Microsoft® and Netscape. If you are using a Netscape browser, your browser must also have JavaScript support enabled in order to view pages correctly.

FNBOnline may run using a lesser platform, but response time may be slower.

Routine maintenance is necessary to keep FNBOnline operating at its peak. In order to minimize the impact to you, FNBOnline Banking will be unavailable for electronic banking and bill payment from 2:00 a.m. to 6:00 a.m. on Sundays.

Protecting the privacy and security of your confidential account information is our top priority. Your account information is protected by a User ID and Password that only you know, and you can change your password as often as once per calendar day. After three consecutive failed password attempts, you will be locked out of FNBOnline and must call 1-866-537-1704 to reset your password. For additional security, it's important that you always log out at the end of your FNBOnline session, especially if you share a computer. If you forget to logout, First National Bank in Pratt will end your session automatically after ten minutes of inactivity.

First National Bank in Pratt has taken dramatic steps to ensure the security of FNBOnline. Our Security Policy communicates our commitment to providing a secure environment in which you can take full advantage of our convenient banking technology without anyone taking advantage of you.

Yes, when you're logged in to FNBOnline and you select "Contact Us" under Message Center, your e-mail message is sent over a dedicated, secure line to First National Bank in Pratt, so it's safe to include sensitive information like account numbers.

An aggregation service ("screen scraper") collects your FNBOnline account information from various Internet sources and consolidates it in one place. Whether or not to use an aggregation service is a personal decision requiring careful review of the risks and service provider. Since your confidential User ID, Password and account information will be stored with the service provider, it is essential that you have confidence in the service provider's level of security, privacy policy, and user agreement.