We are serious about safeguarding your personal information online

As a security measure, you may access your account information online from our website only after registering in-person at one of our branches.
Section 326 of the USA PATRIOT ACT

Requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or changes an existing account. This federal requirement applies to all new customers and current customers. This information is used to assist the United States government in the fight against the funding of terrorism and money-laundering activities.

What this means to you: when you open an account or change an existing account, we will ask each person for their name, physical address, mailing address, date of birth, and other information that will allow us to identify them. We will ask to see each person’s driver’s license and other identifying documents and copy or record information from each of them.
These terms  govern the use of this website. Please read them carefully before accessing the site.  If you do not agree with these terms  do not access he website.  By accessing the website  or any of its pages you agree to be bound by these  terms of use.

This website has been established by the Bank for the sole purpose of conveying information about the Bank’s products and services and to allow communication between the Bank and its customers. Information that appears on this website should be considered an advertisement. Nothing contained in any page on this site takes the place of the bank’s agreements and disclosures that govern its products and services. If any information on the site conflicts with that in the bank’s agreements and disclosures, the agreements and disclosures will control.

From time to time the Bank may place links to other websites on this page. The Bank has no control over any other website and is not responsible for the content on any site other than this one. Users assume all responsibility when they go to other sites via the links on this page.

The information and materials contained in this website are owned by the Bank or by others, as applicable. No material may be copied, displayed, transmitted, distributed, framed, sold, stored for use, downloaded, or otherwise reproduced except as permitted by law.

The Bank makes no warranties of any kind regarding the products and services advertised on this site. The Bank will use reasonable efforts to ensure that all information displayed is accurate, however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. The Bank is not responsible for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of this site. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.

This agreement may be changed from time to time by posting the new Terms of Use on the website. All users agree to be subject to this agreement as it changes from time to time.

This agreement and the use of this website are governed by the laws of the state of Tennessee.
This agreement states the terms and conditions that apply when you use First National Bank of Oneida 's "1st Choice NetTeller." These terms and conditions are in addition to those that apply to any accounts you have with us or any other services you obtain from us. You must follow all of our instructions and procedures applicable to the services covered by this agreement.

"You" and "Your" mean each person who establishes an internet banking customer account with us or who uses or is authorized to use an internet banking identification number and password or other means of access we establish or approve. The term "1st Choice NetTeller" service means our service that allows you to make payments, transfer funds, access accounts, obtain information and perform other transactions over the internet by use of a personal computer and modem and/or other means we authorize or allow.

Business Days
Our "1st Choice NetTeller" service is generally available 24 hours a day, 7 days a week. However, we only process transactions and update information on business days. Our business days are Monday through Friday. Transfers made after 4:00 p.m. will be processed on the next business day. Holidays are not included.

Identification Number and Password
To access our "1st Choice NetTeller" service, you must use the identification number and/or other means of access we establish or provide for your internet customer account, together with a password. Anyone to whom you give your internet banking identification number and password or other means of access will be presumed by the bank to be authorized by you to have full access to your accounts. We strongly discourage allowing others access to your accounts and your account information. All risk of unauthorized access to your accounts through the use of your internet banking identification number and password shall be borne by you. The customer(s) will protect the password and hold the bank harmless from unauthorized use. Any information downloaded by the customer(s) becomes property and responsibility of the customer(s).

Internet Banking Transactions
You, or someone you have authorized by giving them your internet banking identification number and password or other means of access (even if that person exceeds your authority), can instruct us to perform the following transactions:

  • Make transfers between your qualifying accounts to the extent authorized;
  • Obtain information that we make available about your qualifying accounts; and
  • Obtain other services or perform other transactions that we authorize.
Limits on Internet Banking Transactions
You must have enough available money or credit in any account from which you instruct us to make a payment or transfer. If any of your qualifying accounts are money market, certain types of withdrawals from those accounts, including payments and transfers, are limited to a total of no more than 6 in any specified period. The specified period for a money market account is 6 transfers in a month - which can be debits, debit cards, automatic transfers, internet transfers, or only 6 may be checks payable to third parties.  You also agree to the "Terms and Conditions of Your Deposit Account" that you received when you opened your deposit account. You can request another one of these at the time you submit your "1st Choice NetTeller" application.

Our Liability for Failure to Complete Payment or Transfers
If we do not complete a payment or transfer on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are exceptions. We will NOT be liable, for example:

  1. If, through no fault of ours, you do not have enough available money in the account from which a payment or transfer is to be made, or if the account has been closed or is not in good standing, or if we reverse a payment or transfer because of insufficient funds.
  2. If any payment or transfer would go over the credit limit of any account.
  3. If your equipment or ours was not working properly and the breakdown should have been apparent to you when you attempted to conduct the transaction.
  4. If you have not given us complete, correct or current account numbers or other identifying information so that we can properly credit your account or otherwise complete the transaction.
  5. If you do not properly follow our instructions or if you provide us with wrong or inaccurate information or fail to correct or tell us about any inaccuracy of which you are aware.
  6. If you do not instruct us soon enough for your payment or transfer to be received and credited by the time it's due.
  7. If the money in the account from which a payment or transfer is to be made is subject to legal process or other claim restricts the transaction.
  8. If circumstances or persons beyond our control prevent, delay, intercept, or alter the transaction, despite reasonable precautions that we have taken.
You authorize us to deduct payment transactions generated by the Bill Pay service from the primary checking account designated. Payments may be made only to Payees with a U. S. payment address. You may not make a payment of alimony, child-support, taxes or other governmental fees or court-directed payments through the Bill Pay service. First National Bank does not recommend using online Bill Pay service to fund brokerage or investment services. Payments for these payees will be your sole responsibility if delayed or improperly processed or credited. First National Bank reserves the right to restrict types of payees to whom payments may be made using the Bill Pay services from time to time. Loan payments sent electronically through the Bill Pay service, other than the amount due, cannot be designated as principle, interest or payoff. If at any time, you decide to discontinue this service, you must provide written notification to us. First National Bank reserves the right to terminate your use of Bill Pay at any time, without prior notice.

The optional Bill Pay service is free. There is no monthly service fee and no per transaction fee. We are not liable for any service fees or late charges incurred by you if you do not provide timely, complete and accurate information, or if you do not properly follow our instructions. You also understand that you are responsible for any loss or penalty incurred due to insufficient funds or other conditions that may prevent the posting of payment from your account. If you do not actively use the Bill Pay service on a monthly basis, you may be subject to fees and/or cancellation of service.

NetTeller Only (Free) - Online Banking access allows you the ability to view account information, view and download statement information and transfer monies between accounts.

NetTeller with Bill Pay (Free) - Bill Pay access allows you the ability to view account information, view and download statement information, transfer monies between accounts and unlimited Bill Pay. Bill Pay is free. There is no monthly service fee and no per transaction fee.

Right to Stop Payment of Pre-Authorized Transfers/Bill Pay Stop Payment
If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here's how:

Call your local office, call bookkeeping at (423) 663-4044 or write to us at First National Bank, 250 National Dr., Helenwood TN 37755 in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after your call.

Bill Pay Stop Payment - For electronic payments
You cannot place a stop payment on electronic payments, however you can delete the payment from the Bill Pay system before 11:00 a. m. EST, the day before the scheduled payment date. For Bill Pay checks - you can place stop payment orders on these payments by call bookkeeping at (423) 663-4044.

Account Ownership
You agree that the provisions of joint account ownership apply to the Online Banking service if the account(s) being accessed is jointly owned. Any account that requires more than one signature cannot be designated for Bill Pay.

Statements
Your "1st Choice NetTeller" payments and transfers will be indicated on the monthly statements we provide or make accessible to you. You agree to notify us promptly if you change your address or if you believe there are any errors or unauthorized transactions on any statements, or statement information.

Your Liability
Each of you agrees, for yourself, to the terms of this account. You are liable for all transactions that you make or authorize, even if the person you authorize exceeds your authority. If you have given someone your internet banking number and password or other means of access and want to terminate that person's authority, you must change your identification number and password to other means of access or take additional steps to prevent further access by such person.

Unauthorized Transactions or Loss or Theft of Your Internet Banking Identification Number or Password
If you believe your internet banking identification number or password or other means of access have been lost or stolen or that someone has used them without your authorization, call us immediately at (423) 663-4044 during normal business hours. After hours you may Contact Us. Quickly telephoning us is the best way of reducing your possible losses. Not all e-mail may arrive at their destinations. We will send an e-mail back to you as your confirmation that we did receive it. Because the internet is not secure from mail being read by someone else, do not include any of your account or social security numbers with your e-mail. Your name, address, and a brief message as to what the problem might be is all we need.

In case of errors or questions about your 1st Choice NetTeller, you may contact us at 1st Choice NetTeller Error Resolution at:

First National Bank
250 National Dr.
Helenwood , TN 37755
Telephone: (423) 663-4044.

If you think your statement is wrong, or if you need more information about a transfer listed on the statement, notify us immediately. We must hear from you no later than sixty (60) days after we first sent the statement on which the problems or error appeared. When notifying us, please:

  1. Tell us your name and account number;
  2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information;
  3. Tell us the dollar amount of the suspected error.
If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.

We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) business days, for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not re-credit your account.

We will send you a written explanation of our findings within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.
Electronic Statement(s)/Notice(s) of Delivery

Terms and Conditions
This agreement is made between you and First National Bank of Oneida and provides your request and consent to receive statements and notices for your demand deposit account(s) by electronic delivery. These electronic statements and notices are called "eDocs".

By enrolling for eDocs, you are electing to receive your statement electronically. Once enrolled, you will receive your next statement by U.S. mail AND within your online account; and from then on, you will only receive your statement through your online account.  You will receive an email letting you know when it is available each month.  Although you are opting out from receiving your statement(s)/notice(s) by U.S. mail, you have the option to receive a paper statement, at any time, by request.

There are currently no service charge fees for the use of eDocs. However, you agree that First National Bank of Oneida has the right to institute or change the fees for eDocs upon ten days prior written notice to you. In addition, First National Bank of Oneida has the right to amend these terms and conditions from time to time by providing you with written notice of the amended terms and conditions.

You agree to waive and release any claims against First National Bank of Oneida arising out of or that may in any way be related to the use of eDocs, except for those claims resulting solely from the negligent acts or omissions of the Bank. You agree that you are solely responsible for any loss due to use of eDocs by you, any authorized user, or any unauthorized user or recipient who gains access to eDocs through your computer or information obtained directly or indirectly from you.
You must be a First National Bank of Oneida customer to enroll for eDocs and have at least one First National Bank of Oneida demand deposit account. Adobe Acrobat Reader® version 6.0 or higher is required to open and view your statement(s)/notice(s)*. Download the latest version of Adobe Acrobat Reader®. We also recommend that you use the latest browser version available that supports 128 bit SSL Encryption.

*Acrobat and Reader are registered trademarks of Adobe Systems Incorporated in the United States and in other countries. This product is not endorsed or sponsored by adobe systems incorporated, publisher of acrobat reader.

Your statement(s)/notice(s) will be sent to the email address that’s on file with First National Bank of Oneida. It is your responsibility to keep your email address updated on NetTeller Internet Banking. You have the option to have your statement(s)/notice(s) go to one additional recipient. It is your responsibility to maintain the ID, Password, and email addresses for these additional recipients.
With eDocs, you receive next day delivery notice of your statement(s)/notice(s). 

User will logs into their online banking to retrieve their statements. 

Your NetTeller Internet Banking ID and Password are your keys to eDocs. It takes both identification keys to gain access. No one representing First National Bank of Oneida will ask for your Password. You should never give your Password to anyone who asks for it in an email or by phone or anyone else who you do not want to have access to your account.

Statement(s)/Notice(s) can be printed or saved to a file on your computer for easy storage. The past six months’ statement(s)/notice(s) will be available on NetTeller Internet Banking for your convenience.

You have the option to receive check images with your electronic statement.

You have the right to terminate eDocs at any time by logging into NetTeller and changing your eDocs settings from the Document Settings tab. First National Bank of Oneida has the right to terminate its obligation to provide electronic statement(s)/notice(s) services to you upon ten days prior written notice.
Your rights and responsibilities

In compliance with Federal Reserve Regulation E, First National Bank of Oneida , TN submits this disclosure to its customers who utilize electronic fund transfers. Electronic fund transfers are transfers of funds (debits or credits) to the consumer’s deposit account by electronic means in lieu of conventional paper-based entries such as a check or deposit ticket. All ATM (automated teller machine) and First National Bank CHECKCARD transactions are governed by this regulation. The Regulation has been provided to ensure that the consumer receives proper documentation for deposits or withdrawals made electronically to his/her account.

Consumer’s Liability For Unauthorized Transfers

Tell us AT ONCE if you believe your First National Bank CHECKCARD, ATM card or PIN has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account. If you tell us within two (2) business days after you learn of the loss or theft of your card or PIN you can lose no more than $50.00 if someone uses your card or PIN without your permission. If you DO NOT tell us within 2 business days after your learn of the loss or theft of your card or PIN, and we can prove that we could have stopped someone from using your card or PIN if you had told us, you could lose as much as $500.00.

Also, if your statement shows any transfer that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty days if we can prove that we could have stopped someone from making the transfers if you had told us in time.

You will be responsible for all transactions made by an authorized user. Use of the card by you or anyone for your benefit or with actual, implied or apparent authority is an authorized user.

Upon receipt of your card, file in safekeeping the card carrier that has your card number printed on it. You will need to report this number should your card be lost or stolen.

Telephone Number and Address To Be Notified in the Event of Unauthorized Transfer

If you believe your card or PIN has been lost or stolen or that someone has transferred or may transfer money from your account without permission, call or write:
First National Bank
250 National Dr.
Helenwood, TN 37755
Telephone Number (423) 663-4044.
If your First National Bank CHECKCARD is lost and our offices are closed, please call, 1-866-546-8273.
This is not a credit card.

Business Day Disclosure
Our regular business days are Monday through Friday. Holidays are excluded.

Types of Available Transfers and Limits on Transfers
You may use your First National Bank CHECKCARD to card to access your account(s) through our Automated Teller Machine to:

  1. Withdraw cash from your account(s) designated by yourself.
  2. Transfer funds between your checking and savings account, including payment to loan account.
  3. Determine account balances.

You may use your First National Bank CHECKCARD to access your First National Bank of Oneida, TN account(s) at other financial institutions automated teller machines to:

  1. Withdraw cash from your account(s).
  2. Transfer funds between your accounts.
  3. Make balance inquiries on your account.
Some of these services may not be available at all terminal locations. You may also use your First National Bank CHECKCARD to:

  1. Withdraw cash from your primary account or selected account at any MasterCard participating bank.
  2. Pay for goods and services from your primary or selected account at participating MasterCard merchants.
Limitations on card usage:
  1. First National Bank ATM card limits: Our standard daily cash withdrawal limit through the ATM system is $1,006.00 per banking day, or your available account balance, whichever is less. Saturday, Sunday and Monday are considered one banking day. Three day holidays are also considered one banking day.
  2. First National Bank CHECKCARD limits: There is no limit to the number of times you may use your CHECKCARD. The limitation on the amount is $2,000.00 per banking day, or your available balance, whichever is less.

NOTE: We have the right to return any check or other item drawn against your account to ensure that funds are available to pay for CHECKCARD transactions. We may, but do not have to, allow transactions that exceed your available account balance. If we do, you agree to pay the overdraft and the overdraft charges in effect at the time of the overdraft.

Charges For Transfers Or Right to Make Transfers
  • ATM transactions fees – No fees at ATMs owned by First National Bank of Oneida , TN
  • ATMs other than FNB machines may have a surcharge of $2, or more, per transaction or inquiry.
  • First National Bank CHECKCARD fee – no charge for issuance of 1st card
    • $7 fee for each additional card
  • Cancellation/reissue fee for First National Bank CHECKCARD(s).
    • No fee if fraud is involved
    • $7 fee if card has been lost
First National Bank CHECKCARD customers may be charged a fee for cash advance transactions made at a teller window at financial institutions other than First National Bank of Oneida, TN.

Right to Receive Documentation Of Transfers
Terminal transfers: You get a receipt at the time you make any transfer to or from your account using our First National Bank ATM.

Merchant Receipts: You will receive a copy of the transaction receipt at the time the transaction is originated. You will also receive, on a monthly basis, a statement of your account activity.

Periodic Statement: You will get a monthly account statement unless there are no transfers involving your account(s) in a particular month. In any case you will get a statement quarterly.

If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable for instance:

  1. If, through no fault of ours, you do not have enough money in your account to make the transfer.
  2. If the ATM where you are making the transfer does not have enough cash.
  3. If the terminal was not working properly and you knew about the breakdown when you started the transfer.
  4. If circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken.
  5. If there are other exceptions by us, for which you are duly notified in advance by at least 21 days.

Disclosures of Account Information to Third Parties
We will disclose information to third parties about your account or the transfer you make:

  1. Where it is necessary for completing transfers; or
  2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
  3. In order to comply with government agency or court orders; or
  4. If you give us written permission.
In Case of Errors or Questions

In case of errors or questions about your electronic transfers, you may contact us at Teller Error Resolution, First National Bank, PO Box 950, Helenwood, TN 37755; telephone (423) 663-4044. If you think your statement or receipt is wrong, or if you need more information about a transfer listed on the statement or receipt, notify us immediately. We must hear from you no later than sixty (60) days after we first sent the statement on which the problems or error appeared. When notifying us, please:

  1. Tell us your name and account number.
  2. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.
  3. Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days.

We will tell you the results of our investigation within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) business days, for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not re-credit your account. For errors involving point of sale transactions or ATM transactions outside the United States, the periods referred to above are 20 business days, instead of 10 business days and 90 calendar days instead of 45 calendar days.

If we decide that there was no error, we will send you a written explanation of our findings within three (3) business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

The Bank is authorized to debit any account you have with it for funds obtained by authorized use of the First National Bank CHECKCARD.

In accordance with federal laws and U.S. Department of Treasury policy, this organization is prohibited from discriminating on the basis of race, color, national origin, sex, age, or disability.


To file a complaint of discrimination, write to: 

U.S. Department of the Treasury

Director, Office of Civil Rights and Equal Employment Opportunity

1500 Pennsylvania Avenue, N.W.

Washington, DC  20220


Call (202) 662-1160; or send an e-mail to:  crcomplaints@treasury.gov.




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