Security Statement

This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

Secure Access and Verifying User Authenticity

Users are required to use a Secure Code via text or standard telephone service. T his feature ensures that you are the person actually accessing your accounts online by contacting you at a number on file with the bank whenever your computer, tablet, or phone is not recognized. Any attempt to access your accounts from an unknown device triggers the security process. This secure code feature is state-of-the-art for online banking protection because no one can obtain your login information by capturing your keystrokes. The banking term for this security is “out-of-band authentication". More information about the Secure Code is available under the Manage Your Account section of our homepage.

Secure Data Transfer

Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall

Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Using all the above technologies, your Internet banking transactions are secure.

Terms and Conditions

By utilizing any of First National Bank of Litchfield's (herein FNBL) online branch services (website, online banking, online billpay, mobile banking, and any related or future products) you are agreeing to our Terms and Conditions. We reserve the right to modify the scope of any online branch services at any time. We reserve the right to remove access to any online branch services at any time for any reason.

Security and safety of the device(s) utilized to access any FNBL online services as stated above are the sole responsibility of the customer. Customers also responsible for securing and safeguarding any kind of access to the device including, but not limited to, wireless and remote access to the device(s).

You agree you will remain subject to the terms and conditions of all your agreements with us, our affiliates, and/or any unaffiliated service providers, including, but not limited to, your mobile service provider, and wired or wireless internet provider. You understand that those agreements may include fees, limitations and restrictions which may impact your use of online branch services. Your mobile provider may impose data usage or text message charges for your interaction with mobile banking, and you agree to pay all such fees. You agree and understand that Mobile Banking may not be accessible or may have limited utility over some mobile networks, such as while roaming.

You may cancel your participation in Mobile Banking by texting STOP to "49794" or calling us at 800.255.2939 or choosing the "Un-Enroll" option under the mobile banking tab within Online Banking. We reserve the right to change or cancel Mobile Banking at any time.