How do I sign in to Online Banking?
Just like always, go to www.fnbc.us and click the Online Banking login button on the homepage. Starting October 20, once you log in, you’ll notice a refreshed look and improved design.

Will I have to download a different FNBC banking app after the update on October 20, or will the app update on its own?
For Mobile Banking, if you are an Apple device user and have auto-updates turned on, the app will update automatically. If you do not have auto-updates turned on, you must go to the App Store to manually update your app.

For Mobile Banking, if you are an Android device user, you must delete the app and re-download the app for it to update. You will still search for FNBC Mobile Banking.

Will you be offering Multi-factor Authentication as an additional security feature?
Yes! With our improved banking software, we will be utilizing Multi-factor Authentication for your mobile and digital banking. This is a security feature where a code is delivered by text or call to ensure the safety of your accounts.

If I currently have Bill Pay set up, will I need to set everything up again?
Because we are moving to a new platform, any established payments in your current Bill Pay account may not transfer over. These payments may need to be re-established in our new system after October 20, 2025. Please verify before reestablishing any recurring payments. We encourage you to take screenshots or document your biller information before October 9. Please note that Bill Pay history can only be accessed and saved through the desktop version, not the mobile app.

Is consumer Bill Pay available through online banking and the mobile app?
Yes!

If I’m already using Bill Pay, is there anything I need to know about the transition?
Yes, here are key dates to note:
October 9: Access to FNBC’s Bill Pay will end at 8:00 a.m. You will not be able to log in or schedule new payments after this time. However, payments scheduled before October 9 may still be set to pay as late as October 16.
October 20: You’ll have access to our new and improved Bill Pay platform and can begin scheduling payments again. Depending on when your payments are due, you may need to make other arrangements during this brief transition period.

What happens to scheduled payments that fall during this time frame?
If your payment is established with your service provider either via recurring ACH payment or debit card payment, it will process as scheduled.

If your payment is established through FNBC Bill Pay within Online & Mobile Banking, there will be a one-day delay on items scheduled for Friday, Oct. 17, when our new provider picks up the payments. Those items will pay on Monday, Oct. 20. If you have a payment scheduled for Oct. 17 that could face a late fee, you may want to schedule it one day earlier.

How will my bank statements be affected by the system upgrade?
All checking and savings accounts will receive a statement from the final night of processing on October 16. Customers should be aware that this statement will only include activity from their last statement through October 16. Our new system will then pick up and produce statements on their normal cycle (unless adjusted as part of the change) after the system upgrade is completed on October 20.

Please note: this statement will arrive as a paper statement even if you are enrolled in e-statements.

How will e-Statements be affected?
If you are already enrolled in e-Statements, your enrollment will carry over and there is nothing for you to do. You will not be able to enroll in e-Statements after 7:00 a.m. on October 9. You may begin enrolling again on October 20, once you are logged into the new Online Banking platform.

Will the new system upgrade affect my loan number?
Yes. Because we’re moving to a new platform, there WILL be a change to your loan number moving forward. Here’s what’s changing:

• If your current loan number is 1000123456, it will become 10123456-10 (we’ve simply removed two zeros after “1000” and added “-10”).
• If your current loan number is 12345678, it will become 12345678-10.

Will I need to do anything different when I pay my loan?
Depending on how you make your loan payments, one of the following will apply:

• No action is needed if you make payments through FNBC. We’ll update your records automatically.
• External bill pay: If you pay from another bank, you’ll need to update your loan number after Oct. 20, 2025.
• If you use a coupon book: These coupons will still show your old loan number, but FNBC will process your payments correctly.
• Statements and notices: Your new loan number will appear automatically.

I use Remote Deposit Capture, how will the system upgrade affect my use of this service?
We know the important role this service plays in your ability to operate your business, and we’ll work hard to ensure the transition to our upgraded system is seamless. The vast majority of our Remote Deposit Capture customers will be able to keep their existing Remote Deposit Capture machines, further simplifying this transition.

What if I have questions about the changes to my Remote Deposit Capture process?
We’ve got you covered! FNBC staff will be reaching out to you in early September to discuss the upcoming changes. Our banking system upgrade is scheduled for October 16-20, 2025, and we are working to ensure your business has minimal impact. 

Will the system upgrade have any effect on ACH services and my digital deposits?
Yes. As part of our transition to new banking software and digital platforms, we’ll be making several important upgrades in our ACH process:

• Our expanded services will include ACH origination, complete with tax payments and template management.
• We will be moving to dual control for all users during our system transition. You can set up templates (if you don’t already have them) to be included in the system change data. 
• Our new Digital Banking platform will have the ability to alert you when you have NOCs (Notice of Changes) and Returns on your originated files.
• There will also be a change in ACH fee posting as separate debits.

Do I need to make any adjustments to my ACH set-up to prepare for the system upgrade in October?
Any items marked ‘Hold’ will need to be unmarked to be included in the system change data. This will ensure these items come over in the system upgrade. 

I’m a Business Online FI ACH customer, do I need to know anything to prepare for the system upgrade?
Yes. Business Online FI ACH clients should not submit future-dated ACH files past the date of our system transition (October 16-20). Those files should be submitted on the new platform once it is available on October 20.

Do I need to make any adjustments to the payroll I have scheduled?
If your payroll would normally be scheduled to be effective on Friday, Oct. 17, please process it a day earlier so it is effective on Thursday, Oct. 16, to avoid any disruption for your employees. 

Will I have to do anything with my ACH participant information?
If you don’t currently have templates set up and would like your ACH participant information to convert, please save your batches as a template before Oct. 16, 2025.

Will the new system upgrade impact my use of QuickBooks software?
Yes. Because we’re moving to a new online and mobile banking system in October, you WILL need to make changes to your QuickBooks or Quicken software (if you use it). 

What specific changes do I need to make to my QuickBooks?
To ensure a smooth transition, we’ve provided instructions below on changes you need to make to your QuickBooks or Quicken software.

Note: The conversion instructions reference two Action Dates. Please use the dates provided below: 

• 1st Action Date: October 16, 2025 at 3:00 pm

• • A data file backup and a final transactions download should be completed by this date. Please make sure to complete the final download before this date since transaction history might not be available after the upgrade. 

• 2nd Action Date: October 20, 2025
  • This is the action date for the remaining steps of the conversion instructions. You will complete the deactivate/reactivate of your Online Banking connections to ensure that you get your current Quicken or QuickBooks accounts set up with the new connection. 

Conversion Instructions:
Quicken – click HERE
QuickBooks Desktop – click HERE
QuickBooks Online – click HERE

Intuit aggregation services may be interrupted for up to 5 business days. Users are encouraged to download a QFX/QBO file during this outage. The following services may not work during the outage:

• Quicken Win/Mac Express Web Connect
• QuickBooks Online Express Web Connect

Please carefully review your downloaded transactions after completing the migration instructions to ensure no transactions were duplicated or missed on the register. 

If you have any questions, please contact our Business Deposit Solutions team at 870-257-1833.