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Learning Center

First National Bank in Olney's Learning Center is available to help inform you about risks to your financial well being and precautions that you should take to protect it. Please take some time to educate yourself on the items below.


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Online Banking

Our Online Banking products offer you access to your accounts any time, from anywhere. With our advanced bill pay features, enhanced security features and expanded functionality, we hope you find your banking experience easier than ever.


Coronavirus Information

Coronavirus has impacted all of our lives in so many ways.  Here are some informative articles from the Federal Trade Commission to help protect yourselves and your money.

Identity Theft

Identity Theft is a serious crime. It can disrupt your finances, credit history, and reputation, and take time, money, and patience to resolve. Identity Theft happens when someone steals your personal information and uses it without your permission.

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Safeguarding Your Child's Future

Child identity theft happens when someone uses a minor's personal information to commit fraud. A thief may steal and use a child's information to get a job, government benefits, medical care, utilities, car loans, or a mortgage. Avoiding, discovering, and undoing the damage resulting from the theft of a child's identity can be a challenge.

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Online Security and Courtesy

Being online - connected through some sort of device - is how you live your life. And as you spend more of your time there, it can be easy to over-share, embarrass yourself, mess up your computer and possibly get messages from creepy people. The truth is there are some risks involved in socializing, playing and communicating online.

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"Phishing" is a ploy Internet scammers have devised to lure victims into releasing personal financial information. This scam deceives consumers into releasing information such as account numbers, social security numbers, passwords and other personal, confidential information through email by making consumers believe that they are dealing directly with a trusted, legitimate business.  They may try to convince you to reply to their email with this information, or they may include links to fraudulent (spoofed) websites that attempt to impersonate the real website.  This fake website then collects your information so the scammer can use it against you.

The Federal Trade Commission (FTC) has developed educational brochures explaining things to watch for to protect yourself and the risks of identity theft:

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"SpyWare" is any software that covertly gathers information about a user while he/she navigates the Internet and transmits the information to an individual or company that uses it for marketing or other purposes.

How you may become infected with SpyWare:

  • Downloaded with other Internet downloads in a practice called “bundling.” In many cases, all the licensing agreements may be included in one pop-up window that, unless read carefully, may leave the user unaware of “bundled” spyware.
  • Directly downloaded by users who were persuaded that the technology offers a benefit. Some spyware claims to offer increased productivity, virus scanning capabilities or other benefits.
  • Installed through an Internet browsing technique called “drive-by downloads.” In this technique, spyware is installed when a user simply visits a Web site. The user may be prompted to accept the download believing it is necessary in order to view the Web page. Another method is to prompt the user to install the program through pop-up windows that remain open, or download the software regardless of the action taken by the user.
  • Automatically downloaded when users open or view unsolicited e-mail messages.

Risks associated with SpyWare:

  • Exploiting security vulnerabilities or settings, changing the computer configuration to relax security settings, or allowing a channel into the institution's systems by circumventing the firewall. The result is that attackers can eavesdrop and intercept sensitive communications by monitoring keystrokes, e-mail and Internet communications. This monitoring may lead to the compromise of sensitive information, including user IDs and passwords.
  • Providing attackers the ability to control corporate computers to send unsolicited “junk” e-mail (SPAM) or malicious software (Malware), or to perform denial of service (DoS) attacks against other organizations.
  • Draining system resources and productivity and consuming system resources, even when the user is not browsing the Internet, such as when adware results in voluminous unwanted pop-up advertisements.
  • Compromising the bank's ability to conduct business by disrupting Internet connections as a result of the improper removal of spyware.
  • Increasing the incidence of SPAM to corporate e-mail accounts.
  • Compromising confidentiality. Certain types of spyware route all Internet communications through their own servers, often without the user's knowledge. This allows a third party to read sensitive Internet communications even when Secure Socket Layer (SSL) or other encryption protocols are used. Other forms of spyware install an application on the user's computer that monitors and records all Internet communications and sends the report back to the originator. Identity thieves may then impersonate the customer using the IDs and passwords collected.
  • Increasing vulnerability to “phishing” and “pharming” attacks, as some spyware can redirect Internet page requests. Phishing seeks to lure a user to a spoofed Web site using an e-mail that appears to come from a legitimate site. Pharming seeks to redirect a user to a spoofed Web site by introducing false data into a legitimate domain name server (DNS). The spoofed Web sites are set up to collect private customer information, such as account user IDs and passwords. In addition, objectionable or inappropriate information received by the customer from redirected Web sites can ultimately damage the financial institution's reputation.

What you can do to protect yourself:

  • Installing and periodically updating anti-spyware, virus protection and firewall software.
  • Adjusting browser settings to prompt the user whenever a Web site tries to install a new program or Active-X control.
  • Carefully reading all End User Licensing Agreements and avoiding downloading software when licensing agreements are difficult to understand.
  • Maintaining patches to operating systems and browsers.
  • Not opening e-mail from untrustworthy sources.

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Foreclosure Information

Sometimes, the unexpected challenges of life can make the responsibility of homeownership a tough one.  If you've lost your job, been through a divorce or suffered an illness, you may be having a hard time making your mortgage payments.  If so, there is help available.

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