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Trust FAQ

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Must I have a trust to use your investment services?

Many of our clients choose trust arrangements because of the unique advantages they offer. But no, you're not required to create a trust. If you prefer, you can put us to work on a less formal basis. All it takes is a simple agreement designating us as your investment agent.

Is it difficult to set up a trust?

No. To put us to work as your trustee, you take two steps. You deliver the money and/or securities that you wish to place in trust. And you give us your written instructions in the form of a trust agreement. The agreement, drawn up by your attorney, is signed by you (as creator of the trust) and by us (as trustee). That's all there is to it. 

What are the advantages of a trust?

With a trust you can not only draw on our broad investment capabilities but also arrange to have us perform any number of special services, now or in the future. These personalized services could range from making payments of estimated taxes while you're traveling abroad to providing full personal financial management in the event you suffer an incapacitating illness.

Also, you can name one or more beneficiaries to receive the assets of your trust at your death. These distributions avoid probate. Or, you can have your trust continue beyond your lifetime, serving as a source of continuing income and support for your spouse, a child or others whom you designate.

If I create a trust, can I keep control?

Certainly. Usually our trust clients keep control in three ways:

  • First, the trust agreement specifies that the client may make withdrawals or additions at any time.
  • Second, they reserve the right to cancel the trust.
  • Third, they reserve the right to give us new or different instructions by amending the trust agreement. 

Can I manage my own investments?

Most of our clients look to us for objective, unbiased portfolio supervision because they lack the time or specialized knowledge to do all the necessary investment homework themselves. But you can delegate as much or as little investment responsibility as you want. After all, it's your trust.

For example, you might spell out your goals and requirements in some detail, then leave the selection of specific investments to us as trustee.

Or you might start out by asking us to submit each proposed investment change for your approval until you're satisfied that we're interpreting your requirements accurately.

Or you might ask us to submit recommendations while you research some opportunities on your own.

Are trust services expensive?

No. Our fees are competitive with those charged by investment advisory firms or by mutual funds.

How big must a trust fund be? 

If you think of millions of dollars when you hear the word "trust", you're the victim of a widespread misconception. We can handle even relatively small trusts efficiently. In any case, we don't think in terms of fixed minimums. Instead we ask ourselves, "Is a trust the best way to meet this person's financial management needs"

To find out whether a trust would be right for you, schedule an exploratory talk with a trust officer. 

Are trust funds insured by the FDIC?

Primarily, trust funds are invested in stocks, bonds or other income-producing assets. These trust investments are not bank deposits. Securities and other assets administered by a bank as trustee are held separate from the bank's own assets, under strict audit controls, and cannot be reached by the bank's creditors.

Therefore, the need for FDIC insurance is generally limited to uninvested trust cash, such as income awaiting distribution. Under FDIC regulations, uninvested funds held or deposited by the bank as trustee for a revocable trust are insured together with other deposits of the trust's owner up to a total of $250,000. 

How can I find out more about trusts? 

That's easy. Our trust and investment advisors will be glad to assemble further information for you, analyze your investment requirements and answer questions not covered here. Please contact us.

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Mobile Banking FAQ

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How much does this service cost?

There is currently no charge associated with the service. However, there may be charges associated with data usage on your device. Check with your wireless provider for more information.

Is it secure?

Yes, the mobile banking service utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, password access and application time-out when your mobile device is not in use. Only the mobile devices that you personally enroll in the service can access your accounts. In addition, no account data is ever stored on your mobile device. In the event your mobile device is lost or stolen, the service can be immediately disabled by either going online to the Mobile Banking enrollment website or calling us.

Which wireless carriers are supported? 

We support most of the popular US wireless phone carriers, including AT&T, Sprint, T-Mobile, and Verizon. If your carrier is not listed when you enroll, select 'Other' and try the Mobile Web option, or check back later, as new carriers will be added over time. 

Do I need a data plan?

Yes, a data plan is typically needed, as data usage can become expensive without them. Please check with your wireless carrier for more information.

I'm not enrolled for Internet Banking. Can I still use Mobile Banking?

You must first enable your bank account(s) for online banking before using mobile if a mobile-only enrollment is not offered. Please check with customer service for mobile-only availability.

What is Activation?

Activation is a one-time process that helps ensure your security. There are two methods for enrollment: Activation Code and Device Enrollment.

  • Activation Code — After you enroll a device, you will receive an activation code, which will be required to begin using Text or Mobile Banking on your device. We recommend you print your activation code and installation instructions for easy reference during installation.
  • Device Enrollment — If enabled, you may enroll via the device. Please refer to the Device Enrollment Section within these FAQs.

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Mobile Banking

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What is FNBC Bank & Trust Mobile Banking? 

Mobile banking gives you access to your accounts from your mobile web browser or a downloadable mobile banking application, depending on your preference and your mobile device capabilities. Both options allow you to: view account balances, search recent account activity, transfer funds, pay bills and find the nearest ATM or branch locations. Also, on the downloadable mobile banking application, you may have the option to deposit checks.

How do I access Mobile Banking on my phone's browser? 

After successful enrollment via Activation Code, your phone will receive a text message with your Mobile Banking URL. You may also visit the site at any time. 

How do I sign up for Mobile Banking?

You may enroll in Mobile Banking using one of two methods: Activation Code and Device Enrollment. 

  • Activation Code — After you enroll a device, you will receive an activation code, which will be required to begin using Text or Mobile Banking on your device. We recommend you print your activation code and installation instructions for easy reference during installation.
  • Device Enrollment — If enabled, you may enroll via the device. Please refer to the Device Enrollment Section within these FAQs.

I activated Mobile Banking on my device's browser. Why am I being asked to activate again? 

At the time of activation, a "cookie" is stored on your device, which allows the Mobile Banking system to remember that you activated. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some devices may require you to enable cookies or periodically erase them, requiring reactivation. If you are experiencing this issue, check your settings to ensure that cookies are enabled. If cookies are enabled and the issue persists, please contact your mobile network carrier for cookie support information on your device. If FNBC Bank & Trust supports enrollment on your mobile device, you will not need to provide an activation code. However, you may be asked to enroll again due to issues with cookies. 

How do I optimize my mobile web experience?

Ensure your device's browser has cookies enabled. In addition, enable style sheets for the best viewing experience. 

How do I navigate Mobile Banking links with my mobile device's browser?

To navigate, access the menu and choose an option.

Is Mobile Banking supported on my device?

Mobile Banking is supported on most devices with a mobile web browser that supports cookies. In addition, the mobile application is available for iOS and Android smartphones. Both mobile web and mobile applications may be found by entering the mobile web URL (m.fnblg.com) in your device's browser.

Is Mobile Banking supported on my device?

Mobile Banking is supported on most devices with a mobile web browser that supports cookies. In addition, the mobile application is available for iOS and Android smartphones. Both mobile web and mobile applications may be found by entering the mobile web URL (m.fnblg.com) in your device's browser.

How do I download my mobile banking application? 

For iPhone or iPad:

  • Navigate to the App Store
  • Search for FNBC Bank & Trust
  • Select "Install" to download the application

For Android:

  • Navigate to the Google Play Store
  • Search for FNBC Bank & Trust
  • Select "Install" to download the application  

For Kindle Fire:

  • Navigate to the Amazon Appstore and select Kindle Fire Apps
  • Search for FNBC Bank & Trust
  • Select "Install" to download the application

Is Mobile Banking supported on my tablet? 

The same mobile app that runs on your phone will run on your tablet. In some cases, a tablet-optimized Mobile Banking application may be available for your tablet.

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Mobile Remote Deposit Capture 

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Who is eligible for Mobile Remote Deposit Capture (RDC)?

Customers who have a personal Checking, Savings, or Money Market account are eligible for the Mobile RDC service if they are qualified for the service. 

What if an account is not listed in Mobile RDC? 

In most cases, eligible accounts will automatically be signed up for Mobile RDC. If you have an eligible account that has not been enabled, please call us at 708-482-7700 for assistance. Please note that accounts are pre-qualified prior to being authorized for use with the Mobile RDC service.

What types of checks can I deposit with Mobile RDC?  

Most domestic checks may be processed through Mobile RDC. We are unable to accept Money Orders, Foreign Items, Savings Bonds, or Third Party Checks through Mobile RDC.

Are there any limits on the dollar amount of deposits I can submit?

Yes. You may use the service to deposit items according to the limits specified in the Terms & Conditions section. Any items presented in excess of the limits will be returned at our discretion.

Do I photograph both the front and the back of my check? 

Yes. During the deposit process, you will be required to photograph the front and back of your check.

How do I endorse my check for Mobile RDC?

You should sign your check with the following endorsement:

  • For Mobile Deposit Only at FNBC Bank and Trust
  • Your Signature

How will I know if my financial institution received my deposit? 

You will receive a notification by e-mail when your deposit has been received.

How will I know if my financial institution processed my deposit? 

When your deposit is processed, you will receive a second e-mail notification on the status of your deposit. This e-mail will indicate if the deposit was approved or declined for processing. If declined, a reason will be provided.

When will my deposit post to my account?

Deposits may be made with Mobile RDC at any time. If your deposit is approved before our daily cutoff time, your deposit will post to your account on the same business day. Funds availability may be limited under certain conditions. Please refer to the Terms and Conditions document for more information.

When will a deposit made through Mobile RDC show in my balance?

If your deposit is approved before our cut-off time, our system reflects your deposit as a pending item in your account activity that same day. Funds from this deposit may not be available until the next business day.

Can I photograph more than one check at a time?

You may photograph multiple checks in the same mobile banking session; however you may only photograph one check per deposit.

What if the check image I photographed is bad?

You have the option to retake photographs of the check before submitting or you may cancel the deposit. Also, the system will notify you if the image is unclear for processing. If you are unable to photograph a clear image, please take or mail your deposit to your financial institution for processing. 

Do I destroy my check after I photographed the deposit?

No, keep the check until it posts to your statement. Afterwards, you may securely destroy the check. Do not VOID the check after submittal in the event the deposit is not approved and needs to be re-submitted. 

Will my deposited check be available in transaction history?

Yes. You may view your transaction history in Mobile Banking.

Can I make my opening account deposit through Mobile RDC?

No, at this time the Mobile RDC functionality cannot be used to initially fund a new account.

How long after opening an account may I start using Mobile RDC?

When your account application processing is completed by our operations center, they will setup your accounts for Mobile RDC. Once the accounts are setup, they will be evaluated to confirm they meet certain criteria prior to being authorized for use with the Mobile RDC service.

What if I submitted a deposit for the wrong amount? Do I need to resubmit the deposit?

No, you do not need to resubmit your deposit. If you entered the wrong amount for the deposit, our operations center will correct the deposit amount. 

What if I submit the same deposit twice in error?

If the same deposit is submitted twice, it will be identified and stopped by our process. Should this occur, you will receive a declined deposit notification for the second deposit received through the Mobile RDC service.

A check I submitted was returned. Can I resubmit it?

If a deposit is returned, please do not re-deposit the check with the Mobile RDC functionality. You will receive written communication from your financial institution through the US Postal Service if a deposit is returned. 

If I need additional information on Mobile RDC, whom may I call?

For additional assistance, please call 708-579-6800.

What type of Internet connectivity do I need?

Your mobile devices must have an appropriate data plan and/or Wi-Fi connectivity that allows the transmission of data over the internet.

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Device Enrollment

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What is Device Enrollment?

Device enrollment allows the user to register for Mobile Banking using their mobile device, instead of a personal computer. This added convenience means that users may register their device while on-the-go. 

How does device enrollment work?

Device enrollment validates the user's banking relationship by asking the user to provide their credentials and mobile telephone number.

Do I have to be enrolled in Internet (Online) Banking to use Device Enrollment? 

Yes, if a mobile-only enrollment is not offered. Your User ID, password and mobile telephone number will be used to enroll you in Mobile Banking. If you are not enrolled in Internet (Online) Banking, please proceed to the institution's website to register for Internet (Online) Banking first. 

What Mobile Banking modes may I enroll? 

Users may enroll for, both, the web/browser-based version of Mobile Banking as well as the downloadable applications, if supported. SMS/Text for Mobile Banking must be enrolled from the Mobile Banking Center using a personal computer. Click on the "Activate Now" link for SMS and follow the instructions presented on the screen.

What is my User ID?

Your User ID is the same as the User ID you established for Internet (Online) Banking or created during the mobile-only enrollment process, if available.

Can I save my User ID on the device? 

On applications that allow saving the User ID, you may save your User ID by selecting "On" when prompted. For enhanced security, the User ID will then be presented in the future in a masked format, hiding some of the characters. You may also remove the User ID, at a later time, by simply changing the prompt to "Off".

Do I have to accept the Terms and Conditions?

Yes. You must agree to the Terms and Conditions in order to use Mobile Banking.

What happens if I don't allow the device to 'Remember Me'?

The 'Remember Me' prompt enables your device to recall your Mobile Banking registration so that you are not presented with challenge questions every time you log in. If you select "Off" for the prompt, you will be required to reply to the challenge questions each time you log in to Mobile Banking.

What is my Password?

Your Password is the same as the Password you established for Internet (Online) Banking or in mobile-only registration, if available.

What if I do not remember my User ID or Password? 

In this case, you should visit the Internet (Online) Banking website and follow the instructions for retrieving and/or resetting your credentials or, contact Customer Service.

What do I use for a Mobile Number if I am using a tablet or MP3 device, such as an iPad or iPod?

When you use a non-phone device, such as tablets and MP3 players that are Internet-enabled and a phone number is requested, enter a phone number you can easily remember, such as your home phone or office phone.

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Mobile Bill Pay

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What is Mobile Bill Pay?

Mobile Bill Pay allows you to pay bills online, saving you time, envelopes and stamps. It is an optional service on your Internet (Online) Banking account. You may pay bills using your mobile device while on-the-go, anytime, anywhere. 

Where do I enroll for Mobile Bill Pay?

You enroll for Bill Pay through your Internet (Online) Banking account. Once enrolled, you will be able to access Bill Pay on your mobile device. You must be enrolled for, both, Internet (Online) Banking and Bill Pay before you may use Mobile Banking and Mobile Bill Pay. 

In what modes may I access Mobile Bill Pay?

Mobile Bill Pay is available on the web/browser and downloadable application modes. It is not available through the SMS/Text mode. 

How do I pay a bill?

To pay a bill, select the "Bill Pay" option from the main menu, then select "Pay Bill". A simple flow guides you through choosing the payee, the payment account, send or due date and amount. Then you may enter an optional memo. 

How are payments made?

Only you may create and authorize a payment. Depending on the Payee's capabilities, payments are issued via paper checks or electronically. Both payment forms include remittance information to ensure your Payee may credit your account.

When will my payment be received?

For more information about payment scheduling and delivery, please visit the Help section on your Internet (Online) Banking website.

Can I add a Payee on my mobile device?

No. You must add Payees through the Internet (Online) Banking website.

How do I deactivate a Payee?

You may manage your Payees, including deactivation by logging onto the Internet (Online) Banking website and accessing the list of Payees.

How do I cancel a payment on my mobile device?

To cancel a payment, select the "Bill Pay" option from the main menu, then select "Scheduled". The system will respond with a list of payments currently scheduled and unpaid. Choose, from this list, the payment you wish to cancel. The system will display the payment details. From this screen, select "Cancel Payment". The system will ask you to confirm that you wish to cancel the payment. 

How may I see previous bill payments on my mobile device?

To view previously paid bills, select the "Bill Pay" option from the main menu and then select "Recent". Your display will refresh with a list of completed bill payments in a summary format. Select an item to see the payment's details. 

How do I handle a dispute with a payee? 

If you have an issue with a bill or a specific item on the bill, contact the Payee directly. Remember, you may pay whatever amount you desire in Bill Pay while you are disputing any item.

Where can I find more information about Bill Pay?

For more information and Frequently Asked Questions, please visit the Help section on your Internet (Online) Banking website. 

I received an activation code but never used it. What do I do now?

Activation codes expire after a specific period of time. If you need a new one, return to the Mobile Banking enrollment site (called the Mobile Banking Center) and request a new activation code.

What happens if I get a new mobile device or change phone numbers?

If you get a new mobile device or change phone numbers, be sure to return to the Mobile Banking website via your PC and update your mobile device profile in the Mobile Banking Center. Remove your old device and enroll your new device.

Can I use Mobile Banking on more than one device?

Yes. Visit the Mobile Banking Center and simply enroll (and then activate) another device.

I activated Mobile Banking on my device's browser. Why am I being asked to activate again?

At the time of activation a "cookie" is stored on your device that allows the Mobile Banking system to remember that you activated. The cookie is only visible by the Mobile Banking system and does not contain personal information. Some devices may require you to enable cookies or periodically erase them, requiring reactivation. 

What if my device is lost or stolen?

If you are concerned about misuse of your mobile device, contact your mobile service provider immediately to stop all wireless service. Additionally, sign on to Internet (online) banking and disable or remove your device.

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People Pay FAQ

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What is People Pay?

People Pay Opens a New Window.  is an online and mobile banking tool that will allow FNBC Bank and Trust customers to send payments to individuals using a recipient’s email address or mobile phone number. 

How does the service work?

Customers with a valid FNBC Bank and Trust consumer checking account can utilize the People Pay service through their current FNBC Bank and Trust Online Banking or Mobile Banking App. set up.  By utilizing their online banking credentials a customer can send money to a person’s email or mobile phone.  Once the money is sent the receiver will be able to log in to receive instructions on how they can claim the money.

Is the system secure? 

The People Pay service works through secure sites and can only be accessed through your Online Banking credentials.

How can I sign up for using People Pay? 

You can access the People Pay service through our Online Banking service or our Mobile Banking App. by choosing the appropriate Pay People/People Pay option to start the process.  There are terms and conditions that you must first agree to in order to utilize the service and once you do so you will be ready to start using the service.

Can businesses use People Pay?

The People Pay service is only available to consumer customers of FNBC Bank and Trust. 

How does the receiver get the funds?

If the sender chooses to send a payment using the recipient’s email or mobile number, the recipient will receive notification that you sent them money. In the email or text message that they receive, the recipient will be given a link to a secure site with instructions on how to claim their money.   The recipient will then follow the instructions to complete the process where they will be able to choose how they want to receive the funds, either by a deposit into their bank or PayPal account or they can elect to have a check mailed to them. 

What if I send a payment to an incorrect mobile phone number or email address?

You are responsible to ensure that all information is correct prior to sending a payment. If you find that you sent a payment to an incorrect number or email address and it’s unclaimed, you can cancel that payment within the People Pay system.

Can I send the funds directly to a bank account?

Yes. You can send funds directly to another account if you know the correct account and routing number for the recipient. The payment will go out as an ACH transaction and it will take 1 – 2 business days for the funds to settle. 

How long does it take to receive the money?

Payments are typically received within 1 – 2 business days depending on when the payment is authorized/claimed. For payments that are sent via a check the timeframe to receive the funds will be extended due to normal US Postal Service processing.

Are there limits as to how much money I can send?

Yes. For electronic payments through People Pay there is a $1,500.00 per payment limit and a daily limit of $1,500.00.

Is there a cost for this service?

Currently the People Pay service is free of charge however, if you choose to send money directly to a PayPal account some fees may apply.  Standard data or message rates from your mobile carrier may also apply.

Can payments be made to someone outside of the U.S.?

Payments can only be made to individuals or business with a valid U.S. bank account.

Will the recipient be able to see my account information?

No. Your bank information will not be shared nor will you be able to see the recipient’s banking information.

Can I cancel a payment?

Any unclaimed payments sent to a mobile number or email address can be cancelled through People Pay. If they are not claimed within 10 days the payment will automatically expire.

How do I know if a payment has been claimed?

The payment status within the People Pay service will be updated once the payment has been claimed.

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