Latest News

Funds Availability Changes
posted June 1st, 2020
Our policy is to make funds from your deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.
Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible
for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.
For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and federal holidays. If you make a deposit before 3 p.m. in the lobby or at the drive-up’s at West Side or the Main Bank on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after these cut-off times or on a day we are not open, we will consider that the deposit was made on the next business day we are open.
In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. However, the first $225 of your deposit will be available on the first business day after we receive your deposit.
If we are not going to make all the funds from your deposit available on the first business day after we receive your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.
If you will need the funds from a deposit right away, you should ask us when the funds will be available.
In addition, funds you deposit by check may be delayed for a longer period under the following conditions:
1) We believe a check you deposit will not be paid;
2) You deposit checks totaling more than $5,525 on any one day;
3) You redeposit a check that has been returned unpaid;
4) Your account has been repeatedly overdrawn within the last six months;
5) There is an emergency, such as failure of communications or computer equipment, beyond our control.
We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit.
IRS Assistance With Economic Stimulus Payments Info
posted April 15th 2020
The Internal Revenue Service has updated their website,, with "Get My Payment," an online tool to check the status of your Economic Impact Payments.
CLICK HERE for the IRS "Get My Payment" online tool.

COVID-19 (Coronavirus) Preparedness

posted Match 16th 2020
To our customers, we understand the concern and uncertainty surrounding the coronavirus (COVID-19) pandemic. We continue to monitor this quickly evolving situation and will make every effort to assist you. 
We are encouraging customers to utilize our drive-throughs , ATMs, telephone and online banking tools to conduct your banking business while minimizing your exposure to others.
The well-being of our customers, staff, and community is paramount,
Update 3/17/20: Lobby Closure.  Our downtown lobby is temporarily closed until further notice.  Please call us at 217-324-2105 to schedule an appointment time if you need inside, and we appreciate your understanding at this time.
Update 3/30/20: Beware of Scams.  Unfortunately, even at times like this, criminals are still hard at work to take advantage of any situation, and one should always be safe online and off.
CLICK HERE for the FTC's guidelines on protecting yourself from Coronavirus scams.

CLICK HERE for general cybersecurity tips from the Department of Homeland Security.
Update 6/1/20: Our downtown lobby is reopened with a temporary requested limit of 6 customers at a time. For the safety of yourself and others, we also request customers wear a mask and follow social distancing guidelines. We continue to encourage customers to utilize our drive-throughs , ATMs, telephone and online banking tools to conduct your banking business while minimizing your exposure to others.
Update 11/13/20:  With the increase of COVID cases in Illinois and throughout the country, we have temporarily re-closed our downtown lobby. As before, we highly encourage our customers to utilize our drive-throughs , ATMs, telephone and online banking tools to conduct their banking business while minimizing their exposure to others. 
Freddie Mac Warns of Phone Spoofing Scams
posted March 30th 2020
Freddie Mac has recently learned of a scam where consumers get a phone call that appears to be coming from Freddie Mac − but the caller is an impostor. This scam is known as spoofing. Consumers have reported that:
• Caller ID displays calls as coming from 1-800-FREDDIE
• Callers had publicly available information (i.e., street address or mortgage servicer name), which they attempted to use to gain consumers’ trust. In some cases, consumers receive multiple calls in a day.
• Callers often don’t leave a message, but when they do reach a consumer, they offer a low interest rate on a new loan or other false promises.

• Be cautious with caller ID. Scammers can make any name or number appear from anywhere in the world.
• Let it go to voicemail. If a call is important, the caller will leave a message.
• Hang up. If it's a robocall, don't press any numbers. Just hang up.
• Offer no information. Never give out personal, financial or other sensitive information − unless you know you’re speaking to Freddie Mac or the bank.
• Be suspicious. Freddie Mac will not call you to promote an offer to refinance or obtain a new loan.
• Report fraud. Reach out to the bank or contact the Freddie Mac Fraud Hotline at 800-4 FRAUD 8, or through the fraud feedback form.


New Debit Chip Cards are coming soon!

posted February 22nd 2020

FNBL will be issuing new debit chip cards enhanced with safer & more secure features, including chip payments AND new contactless payments.   Contactless EMV, better known as “tap-to-pay” is faster and easier to use.

  • Your new card will replace your existing debit card.
  • Your new card will have the same card number and PIN-number you currently have.
  • These cards have BOTH chip payment & contactless payment capabilities.
  • Your new card will arrive in the mail in the next 30-60 business days.
  • Once you receive your new card, call (866) 392-9952 to activate.
Tired of Paper? You Can Now Opt Out Of Receiving Paper Statements.
posted July 23rd 2019
Online banking users can now opt of of receiving paper statements.  Under your Account Statements tab, click Statement Preference. Change your Delivery Method to "Online," read and accept the disclosure, and submit. Not yet an online banking customer? Sign up today and have access to your statements, without the paper!  PDF eStatements are available by noon the next business day after your statement cycle date.