First National Bank is committed to providing secure banking for every customer. Our internal procedures are updated and reviewed regularly in order to ensure that your personal information is kept strictly confidential.

It is important for every customer to know that 1st National Bank never solicits confidential information about your accounts through e-mail or over the phone. If you feel that someone has tried to gain your account information by a text message, phone call or e-mail, please do not respond and notify us by calling 517-546-3150. If at any time you ever suspect that your account information has been compromised, please immediately call any of our branch offices or our Information Center at 517-546-3150.

Although First National Bank is diligent about protecting our customers' privacy, there are steps you can take to help protect yourself.

1. Don't respond to phishing. Phishing occurs when a would-be perpetrator uses an e-mail address that looks like it comes from First National Bank or any other financial institution. Some scammers even send e-mail that appears to come from the FDIC or other government agencies. The perpetrator's goal is to get you to respond with personal information. Remember, First National Bank never e-mails our customers to ask for account or debit card numbers, passwords, social security numbers or any other personal information.
2. Always report lost ATM or debit cards immediately. As soon as you become aware that your ATM or debit card has been lost or stolen, contact any branch office or call 1-866-546-8273. This number is available 24 hours a day, 7 days a week.
3. Always report lost checks immediately. As soon as you become aware that your checks have been lost or stolen, contact any branch office or call our Information Center at 517-546-3150. First National Bank always recommends closing a compromised checking or savings account and opening a new account.
4. Beware of Fraudulent e-mails. Many scammers use e-mail in an attempt to make their victims believe that they have won money in a contest or lottery, or that they have inherited money. They also try to make you believe that you are being offered a product or service with no intent to deliver purchases. Another example of a fraudulent e-mail is a "request for help" where the e-mail sender generally offers you a large sum of money for your assistance in wiring funds, or accepting a deposit to your account. The intent of the sender is almost always to entice the receiver to send account information.
5. Beware of Fraudulent phone calls. "Vishing" occurs when a person fraudulently calls a potential victim with the goal of obtaining personal or account information. When we call our customers we already know your account information and will never ask you to provide us information about your account.
6. Beware of Fraudulent e-mails. "Smishing" occurs when a person fraudulently text messages a potential victim with the goal of receiving a text message in return with personal or account information. First National Bank never text messages its customers asking for personal or account information.
7. Protect Your Identity. Never place documents in the garbage with your account number, social security number or other personal information. This information should always be shredded. If you ever suspect you may be the victim of identity theft, contact all three major credit card bureaus listed below and ask them to place a fraud alert on your credit file.

Equifax 1-800-525-6285
Experian 1-888-397-3742
Trans Union 1-800-680-7289

You may also obtain one free credit report annually from each of the above named bureaus. For more information on obtaining your free credit report you may visit www.annualcreditreport.com.