First National Bank and TrustFirst National Bank and Trust

Frequently Asked Questions

Online Banking

What do I need to do to sign up for First Net Banking?
Q. What do I need to do to sign up for First Net Banking?
A. You may complete our First Net Banking Application found here. Simply print the completed application, sign it and return it to the bank. You can also stop by any of our locations to pick up an application for First Net Banking.
Is there a monthly charge for First Net Banking?
Q. Is there a monthly charge for First Net Banking?
A. There is no charge for First Net Banking.
Is it safe to do my banking over the Internet?
Q. Is it safe to do my banking over the Internet?
A. First National Bank and Trust takes this matter very seriously. Your connection to First Net Banking uses the best level of data encryption available. Other "behind the scenes" mechanisms are in place to assure the security of your financial information. You may have also noticed that at no time does your account number, Tax ID number or social security number appear on the screen over the Internet. Security is not a one-time effort with our First Net Banking system. As security improvements are available in the future, our specialists will continue to make any needed enhancements to assure that your account information is safe and secure.
How do I use First Net Banking?
Q. How do I use First Net Banking?
A. After you enter your First Net Banking ID and PIN number on the first screen of Internet Banking, you will be shown a list of your accounts and the balance in each. If you want more detail, or want to carry out a transaction, just select the function from the pull down menu for the account you are interested in. Any additional pages will have drop down menus on them that lead you through your transaction.
After how many invalid logon attempts will I be locked out of First Net Banking?
Q. After how many invalid logon attempts will I be locked out of First Net Banking?
A. Three invalid logon attempts will lock you out of First Net Banking. First National Bank and Trust customers can call (785) 543-6511 or e-mail the bank at contactus@agbank.com.
How can I add or delete an account from First Net Banking?
Q. How can I add or delete an account from First Net Banking?
A. The change can be made through any customer service representative at any of our locations.
What does it mean if I login to First Net Banking and it says my account is dormant?
Q. What does it mean if I login to First Net Banking and it says my account is dormant?
A. If you do not use your First Net Banking for 90 days, you will receive this message. If you do not use your internet banking for 180 days, your ID and PIN will be deleted. This is for your protection. You will need to call the bank at any location to have this reset.
If I have a question about First Net Banking whom should I call?
Q. If I have a question about First Net Banking whom should I call?
A. Call any First National Bank and Trust location or e-mail the bank at contactus@agbank.com.
What happens if I forget my First Net Banking PIN?
Q. What happens if I forget my First Net Banking PIN?
A. You may call any First National Bank and Trust location and ask them to reset your PIN.
How late can I make a transfer and still have it post to my account that night?
Q. How late can I make a transfer and still have it post to my account that night?
A. A transfer can be made up to 4:00 p.m. Central Standard Time during any business day Monday-Friday for that transaction to post that day. This includes all transfers between deposit accounts and loans. Any transfer made after this time will post the following business day except Saturdays, Sundays, and federal holidays.

Bill Payment

What do I need to do to sign up for First Net Banking Bill Payment?
Q. What do I need to do to sign up for First Net Banking Bill Payment?
A. You may complete our First Net Banking Bill Payment Application found here. Simply print the completed application, sign it and return it to the bank. You can also stop by any of our locations to pick up an application for First Net Banking Bill Payment.
Is there a monthly charge for First Net Banking Bill Payment?
Q. Is there a monthly charge for First Net Banking Bill Payment?
A. You will receive First Net Banking Bill Payment service free for the first 5 months. After that, the Bill Payment service has a monthly flat fee of $5.95 with 10 free bill payments and a .35 cent fee for each payment over 10.
How far in advance should I set up a payment to insure it is paid on time?
Q. How far in advance should I set up a payment to insure it is paid on time?
A. First National Bank and Trust recommends check payments be scheduled at least 10 days in advance of when you want the payment to be posted at the payee. First National Bank and Trust recommends electronic payments be made 5 business days in advance of when you want the payment to be posted at the payee.
Whom can I pay through First Net Bill Pay?
Q. Whom can I pay through First Net Banking Bill Pay?
A. You can pay ANYONE in the United States – from your next door neighbor, to the utility company, the bank, and even a child in college across the country!
When and how are the payments processed?
Q. When and how are the payments processed?
A. Payments submitted, recurring or one time, before 2:00 a.m. Central Standard Time Monday-Friday will be processed at 2:00 a.m. CST. Payments submitted between 2:00 a.m. CST and Noon CST will be processed at 12:00 Noon CST. Payments received after 12:00 noon CST on Monday-Thursday will be processed the next business day. Payments received after 12:00 noon CST on Friday will be processed the next business day except Saturdays, Sundays, and federal holidays. All payments scheduled to go on a weekend will be processed on the processing day before the weekend. All payments scheduled to go on a holiday will be processed the day before that date. Payments entered on the weekend, recurring or one time, will be processed on the next business day except Saturdays, Sundays, and federal holidays.
How will I know if a payee is electronic or check?
Q. How will I know if a payee is electronic or check?
A. As you are adding the new payee, the system will check to see if the payee can accept payments electronically. If not, they will be sent by check.
What payment frequencies are available?
Q. What payment frequencies are available?
A. You can set up payments in any of the following frequencies:
  • One time
  • Weekly
  • Bi-weekly
  • Monthly
  • Semi-monthly
  • Quarterly
  • Annually
  • Semi-annually
How late in the day can I enter, edit or delete a payment?
Q. How late in the day can I enter, edit, or delete a payment?
A. You may add, edit, or delete a payment up to 2:00 a.m. Central Standard Time on the day the payment is scheduled to be sent. If a same day payment is submitted between 2:00 a.m. CST and Noon CST, it may be edited up until Noon CST.
Can I stop a payment?
Q. Can I stop a payment?
A. Yes. After the check is printed and mailed, payment history will show the check number for that payment. The stop payment would be added in the same manner as for a regular check written out of your checkbook. A charge may apply if a payment is stopped.
How long is history retained in the View Payment History section?
Q. How long is history retained in the View Payment History section?
A. Payment history for active and deleted payees is retained and viewable indefinitely.
How many payees may I have set up?
Q. How many payees may I have set up?
A. There is no limit to the amount of payees you can set up through Bill Payment.

Cash Management

How do I use the Cash Management system?
Q. I'm a business customer. How do I use the Cash Management system?
A. Please contact a First National Bank & Trust representative for information on the Cash Management system.

eStatement

What are eStatements?
Q. What are eStatements?
A. An electronic version of your bank statement is called an eStatement. You can view, print, and download and save eStatements directly to your computer.
What are the benefits of eStatements?
Q. What are the benefits of eStatements?
A. Receive your eStatement electronically quicker than traditional mail and reduce your paper clutter.
They are also easier on the environment.
Available on personal and business accounts.
Secure – confidential financial information is not emailed to you, just an email that your statement is ready and then you log into your secure online banking account to download your statement.
It's fast, convenient and FREE!
Will my eStatement have the same information as the paper version I previously received?
Q. Will my eStatement have the same information as the paper version I previously received?
A. Yes, your eStatement will contain all the same information as the paper versions including check images and important notices on your account.
Will I continue to receive my paper statement and notices in the mail?
Q. Will I continue to receive my paper statement and notices in the mail?
A. No. That is the convenience of receiving it electronically. Less paper. Less hassle. More convenient for you.
How do I know when my eStatement is ready?
Q. How do I know when my eStatement is ready?
A. An email notification is sent to you when your eStatement is ready for online viewing.
When can I view my eStatements?
Q. When can I view my eStatements?
A. Customers receive notification via email that their statement or notices are ready for viewing. Simply go to www.agbank.com, sign into your online banking, go to the eStatement tab and click "View" next to the monthly statement you want to download.
How do I enroll in eStatements?
Q. How do I enroll in eStatements?
A. If you are a current Internet banking customer, select the eStatement tab and follow the prompts to enroll. If you are not an Internet Banking customer, complete the Internet banking enrollment form. After you receive your User ID & password, select the eStatement tab and follow the prompts to enroll.
How long are my eStatements available for viewing?
Q. How long are my eStatements available for viewing?
A. Access up to 18 months of eStatements for each account enrolled. It is your responsibility to retain your eStatements by printing the .pdf attachment or by saving the .pdf file to your hard drive or other storage medium.
What if I accidently delete my notification that my eStatement is ready for viewing?
Q. What if I accidently delete my notification that my eStatement is ready for viewing?
A. That's okay. It was only a notification letting you know your statement is ready to be viewed. Access your online account to view your eStatement that will be stored for 18 months.
How do I save my eStatements for future use?
Q. How do I save my eStatements for future use?
A. Your eStatements can be retained by printing the .pdf attachment or by saving the .pdf file to a folder on your hard drive or other storage medium.
Can I request older statements or notices if I didn't save them?
Q. Can I request older statements or notices if I didn't save them?
A. Yes, for an applicable fee. Please contact a Customer Service Representative at 785-543-6511.
Is my financial information secure?
Q. Is my financial information secure?
A. Yes, your information is protected with the latest security features and requires a password to access the information. A security phrase only known by you is used as an additional layer of protection. This ensures that your private information stays private.
Can my spouse or joint owner receive eStatements on the same account?
Q. Can my spouse or joint owner receive eStatements on the same account?
A. Yes, if you are accessing the same email and same internet banking account.
What if my email address changes?
Q. What if my email address changes?
A. To continue receiving the email notice of your latest eStatements, you will need to update your email address via Internet banking. Click on the eStatements tab to update this information. It is important to maintain a current email address.
Who should I contact if I can't receive or haven't received my eStatement?
Q. Who should I contact if I can't receive or haven't received my eStatement?
A. If you cannot access your eStatements or you forget your password, you can contact us through our website or call us at 785-543-6511.
How do I discontinue eStatements?
Q. How do I discontinue eStatements?
A. Access the Internet banking eStatements tab and deselect each account by removing the checkmark.
What is Adobe Reader and why do I need it?
Q. What is Adobe Reader and why do I need it?
A. Adobe® Acrobat® Reader™ is free software used for viewing and printing electronic forms. You will need this software installed on your computer in order for your computer to download, display or print your statement and images.
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