Effective December 1st, uChoose Rewards will replace our Dime Every Time program. Find more about uChoose Rewards by clicking here.
Our first level of security is the online enrollment process and your password selection. We also use security features that operate during your online session, and we monitor each login and its data to verify the source of the activity is from you.
Access ID and Password
Your Access ID and password form a link that allows only you to access your information at fbtonline.com. These combine to form an encrypted identity that allows us to verify that it is you who has accessed your online banking account. To prevent unauthorized access and minimize the potential for fraud, it is very important that you keep your Access ID and password confidential.
Built-In Security in Online Sessions
After you log in to Online Banking, you are protected by encryption of your confidential information and personal account data as it is transmitted to and from our Online Banking website. Today, our computers utilize special Secure Socket Layer (SSL) encryption when transmitting data on the internet. This means there is a private session that only you and the First Bank and Trust system can understand. You can tell when you are in a secure “SSL” session on your computer when you see a ‘locked’ security padlock icon or an ‘unbroken’ key on the bottom of your screen.
Account Application on Our Website
You can fill out applications for deposit and loan products on our website. The submission of this information is through a ‘secure forms’ module where the information is encrypted and provided with full security during submission. We ask you not to email this information but to apply directly through our secure website by completing applications and using the 'submit' buttons.
Email Communications with First Bank and Trust
We have just described significant ways in which FBT provides secure protection for you to transmit personal or financial information over the web. A reminder — email is NOT a secure means of communication. DO NOT tell us your confidential data such as account number, Social Security number or any other personal information in an email.
When you contact the Bank through email, please tell us your general situation and how to contact you. We will contact you to discuss the situation.
First Bank and Trust will not ask you to send confidential information to us in an email. If you think you are being asked to do this, do not cooperate. Call the Bank and let us investigate the request.
If you think someone is aware of your password, please go to Online Banking and change it. If you try to login and are unable to do so, please contact First Bank and Trust immediately so we can determine if there is a problem with the system or if something has changed on your account.
Please logout from each Online Banking session on our website. By doing so, this will not allow an unauthorized user to gain access to your financial information.
Phishing (pronounced “fishing”) involves the use of seemingly legitimate email messages and Internet websites to deceive an individual into disclosing sensitive information, such as bank account information, Social Security numbers, credit card numbers, passwords, and personal identification numbers (PINs). These messages may appear to come from legitimate sources. They ask customers to verify personal information or link to counterfeit websites that appear real.
A phishing email may look like this:
Dear Valued Customer,
Due to safety concerns at our Bank, we are updating your information. Please reconfirm your financial information; otherwise we will have to shut down your account. Click here.
We have reviewed our files and determined that your maintenance fee for online service is overdue. Click on this link to login. Once you complete the mandatory fields, you are done.
These emails may look like they have been written by your bank or a trusted vendor, but they are not. We will not ask for personal or financial information through an email. This is the type of trick that a criminal will use to try to gain unlawful and unauthorized access to your account. Techniques such as a false “internet” address or the use of seemingly legitimate graphics or logos and false web links may be used to mislead you. They are truly ‘fishing’ for unsuspecting individuals who will give them information to access their accounts. We are warning you about this so you do not become a victim of this crime.
Be careful with emails that:
First Bank and Trust will NOT ask for personal information, such as account numbers, Social Security or Driver’s License numbers, Access IDs or passwords via email.
While we may send you information or an update via email, we will never ask you to provide personal or bank data through web links or email. If you receive an email requesting this type of information, do not respond to it.
If you think you may have received a phishing email, or have questions about an email that appears to come from us, please call us at 504-584-5900. We’ll be glad to help you.
Computer attacks attempting to gain access to private information most frequently occur against end-user systems like yours, not directly against First Bank and Trust systems. Malicious "hackers" can attempt to gain access to FBT information, by way of YOUR system. These attacks can come from emails you receive, clicks on websites that contain malicious code even when they appear innocuous, through USB key usage between yours and other systems, and through various other transport mechanisms. A significant step to alleviate these problems at YOUR end is to simply utilize and maintain an updated copy of a commercially available anti-virus/anti-malware package. Every computer used to access the First Bank and Trust Online Banking system(s) should have a working anti-virus and/or anti-malware software installation that regularly updates its signatures.
Computer attacks can also be accomplished through excessively liberal service publishing from your PC. Every PC is both a CLIENT and a SERVER. That is, every PC can both REQUEST information and can BE REQUESTED OF information. Another way to limit malicious users access to request information from your PC is to use a firewall. The firewall could be a cable or DSL modem that limits access to your PC at home from the outside Internet. A firewall can also be installed as software directly on your PC. Proper configuration of a firewall, whether on your PC or on your home networking device is another step towards keeping your information safe, including your First Bank and Trust Online Banking information.
Keep Your Password Safe
Never write your password down and NEVER tape it to your monitor, keyboard, put it in your desk, etc. Most successful passwords incorporate mnemonics rather than factual information. For example, if you want "2 children" to be your password, you might use "2ch1ldr3n" (notice the substitutions for the "I" and "e" in children). Never use your social security number, phone number, children's names and/or birthdates, or easily guessable phrases such as "password". Use a password that you'll remember but that is difficult for others to guess. And, don't use the same password for access to financial websites that you use to access social media, game or shopping sites, or other less trusted places on the Internet. If you're using the same password for Facebook that you use to access FBT Online Banking, consider changing one or the other. Finally, change your password periodically. If you're still using the same password today that you used one year ago, it's time to change.
First Bank and Trust is a locally based, privately owned, community bank. We offer traditional banking products that carry low, acceptable levels of risk and have stayed well clear of any exposure to the sub-prime mortgage and derivatives markets that have been problematic for many institutions. We pride ourselves on knowing our customers and strive to provide them with the products and services that they need.
Rest assured that First Bank and Trust does not engage in risky lending or questionable financial management practices. We are in a safe and sound financial position; we can confidently say our depositors’ funds are not in any jeopardy. Here are some reasons to keep your confidence with First Bank and Trust:
The Federal Deposit Insurance Corporation (FDIC) provides insurance on deposits in First Bank and Trust accounts to at least $250,000 per deposit account owner per institution. If you have a Traditional IRA, Roth IRA or SEP-IRA, you are also protected up to $250,000.
You can calculate the FDIC deposit insurance coverage on your accounts by visiting the agency’s website. For specific questions about your accounts, contact your banking relationship manager or account officer so we can help identify further ways to provide security for your money.
Your money and your business are safe with First Bank and Trust. We are financially strong and are ready to meet your banking needs. Thank you for your continued confidence.
In addition to up-to-date features and functionality, our new online banking system boasts a fresh look and feel, and promises an even more user-friendly format. Learn more about our enhanced and improved Online Banking by visiting onlinebanktours.com and viewing the informative videos.
Our new and improved Online Banking takes fewer clicks, thanks to our enhanced landing page where you can pay bills using CheckFree RXP and make person-to-person payments through PopMoney. Plus, now you can view a snapshot of your spending habits in an easy to read pie chart. As always FBT allows you to review account balances, transfer funds between accounts, research statement history, make loan payments and more!
First Bank and Trust is not responsible for accuracy, security, content, or services offered by other websites; we encourage you to view privacy & security disclosures of all websites you visit as they may be different than those of First Bank and Trust.