If you believe your ATM/Debit Card has been Lost or Stolen or to report fraudulent activity please call 866-546-8273

To protect the financial security of our customers, First National Bank routinely monitors account activity for potentially fraudulent transactions. Within the past two days, we have detected a pattern of suspicious activity relating to certain of our debit card customers.

Security systems of a national credit and debit card processing company used by banks and retailers across the country were compromised. The card processing company disclosed that "no merchant data or cardholder Social Security numbers, unencrypted personal identification numbers (PIN), addresses or telephone numbers were involved in the breach."

To protect our customers, we deactivated yesterday approximately 2300 debit cards whose account numbers could have potentially been compromised. We are sorry for inconvenience caused by this action but felt it was important to stringently protect our customer's financial security.

First National Bank customers will experience no loss as a result of any fraudulent transactions that may have occurred. Beginning yesterday, we have made and are continuing to make hundreds of calls to notify our impacted customers. In addition, correspondence is being sent to holders of the debit cards.

Revised debit cards have already been ordered for the impacted customers and should be received shortly.

In the interim, customers may call any branch office for more information or to determine if their account has been impacted.

Again, First National strives to provide the highest level of customer service and satisfaction and we are sorry for any inconvenience caused by this situation.



Customer Service Q&A - Debit Card Fraudulent Activity

Q. Is it true that there was a security breach involving MasterCard cards and account numbers?

A. MasterCard is aware of what appears to have been a potential data compromise within the payment processing systems of Heartland Payment Systems. Heartland issued a news release stating that it had "learned it was the victim of a security breach within its processing system" and that it had uncovered malicious software in its processing system.

According to the company, "no merchant data or cardholder Social Security numbers, unencrypted personal identification numbers (PIN), addresses or telephone numbers were involved in the breach." However, Heartland also advised cardholders to examine their monthly statements closely and report any suspicious activity to their card issuers.

To protect our customers, we deactivated approximately 2300 debit cards whose account numbers could have potentially been compromised. We felt this was a necessary step to protect our customer's financial security.

Although payment card account data may have been put at risk due to this incident, this does not mean that data related to your account was involved or that fraud has occurred on your account. If you would like to review your transaction history, we can review your charges together and you can tell me whether you are concerned about any particular transaction.

Please let me remind you that you are likely protected by MasterCard's Zero Liability* rules which means you pay nothing for unauthorized purchases on your account.

Q. Should I cancel my card?

A. The first thing to know is that you likely are protected by MasterCard's zero liability rules, so you should not be liable for any unauthorized transactions made on your account. If your card was identified as one potentially compromised, First National Bank has `deactivated' the card and ordered you a new card with a new card number. `Deactivating' prevents using the card for debit POS, signature transactions, or ATM withdrawals. If you were not notified, but have concerns that your card might be compromised for any reason, contact First National Bank to request a new card.

Q. Can I continue to use my card?

A. Your card cannot be used unless you request to have the card reactivated. This is not recommended. If you ask to have your card reactivated, you may be at risk of loss if your account is fraudulently used. We urge everyone to wait until their new card has arrived.

Q. Is my identity at risk of being stolen and used?

A. At this time, we have no information that would suggest consumer names, addresses or social security numbers may be at risk. The recommended course of action for you at this time is to examine your monthly statements closely and immediately report any suspicious activity to First National Bank.

Q. Were First National Bank's systems breached?

A. No. First National Bank systems were not breached.

Q. Who did this? Have they been caught?

A. The compromise is under investigation.

Q. Why wasn't I notified before my card was deactivated?

A. In fraud situations, reaction time is critical to protect the Bank from extreme losses. Understandably, each hour that the card remains active provides criminals with more opportunity to defraud the Bank. We make every attempt to contact our customers as quickly as possible. We initiated phone calls but were unable to contact everyone in the first few hours after the decision was made to deactivate the cards. Subsequently, we have emailed those customers who have an email address on file with us and are posting letters to others.

Q. How many cards were involved in the incident?

A. There are approximately 2300 current First National Bank cards that have been identified as potentially compromised from the Heartland breach, all of which are being reissued. It has not yet been determined how many of those cards were involved in any fraudulent activity.

Q. What should I do if I experience fraud on my account?

A. Please monitor your account through both your monthly statement and, if possible, Internet access and let First National Bank know immediately if you see a purchase you don't recognize by calling 517-546-3150.

* Note: To be eligible for MasterCard Zero Liability, you must notify First National Bank or MasterCard promptly if you suspect your account was used fraudulently and otherwise meet the requirements of the rules.