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Heartbleed is a flaw in the programming on secure websites that could put your personal information at risk, including passwords, credit card information and e-mails. The Heartbleed Bug is a defect in encryption technology – called Open SSL – used by most Web servers to secure users’ personal or financial information. It is behind many “https” sites that collect personal or financial information. Basically, it provides a secure connection when you are conducting a transaction or sending an e-mail online. Experts discovered the bug recently and warned that cybercriminals could exploit it to impersonate a website and collect even more information.

Follow the link for a FAQ provided by the ABA to learn more about how to protect your online accounts and acitivties.


  • Enable encryption and password features on your smartphones and other mobile devices.
  • Use strong passwords that combine uppercase and lowercase letters, numbers, and special characters, and do not share them with anyone. Use a separate password for every account. In particular, do not use the same password for your work account on any other system.
  • Disable wireless, Bluetooth®, and NFC when not in use.
  • Use and regularly update firewalls, anti-virus, and anti-spyware programs.
  • Do not use your work email address as a username on non-work-related sites or systems.
  • Be cautious regarding all communications; think before you click. Use common sense when communicating with users. Do not open email or related attachments from untrusted sources.
  • Do not reveal too much information about yourself online. Depending on the information you reveal, you could become the target of identity or property theft.
  • Be careful with whom you communicate or provide information on social media sites. Those friends or games might be looking to steal your information.
  • Allow access to systems and data only to those who need it and protect those access credentials.
  • If the device is used for work purposes, do not share that device with friends or family.

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The American Bankers Association is warning consumers not to fall victim to a sudden increase in phishing scams that have been reported in states around the country. 

To avoid becoming the victim of a phishing scam, ABA offers the following tips:

  • Never give out your personal or financial information in response to an unsolicited phone call, fax or email, no matter how official it may seem. 

  • Do not respond to email that may warn of dire consequences unless you validate your information immediately.  Contact the company to confirm the email's validity using a telephone number or Web address you know to be genuine.

  • Check your credit card and bank account statements regularly and look for unauthorized transactions, even small ones.  Some thieves hope small transactions will go unnoticed.  Report discrepancies immediately.

  • When submitting financial information online, look for the padlock or key icon at the bottom of your Internet browser. Also, many secure Internet addresses, though not all use "https". 

  • Report suspicious activity to the Internet Crime Complaint Center, a partnership between the FBI and the National White Collar Crime Center.

  • If you have responded to an email, contact your bank immediately so they can protect your account and your identity.  For information on identity theft, visit ABA's Consumer Connection.

  • For more information on phishing, visit the following: Federal Deposit Insurance Corporation, the Anti-Phishing Working Group, the National Consumers League, the OCC Consumer Protection News and the OCC Consumer Complaints and Assistance Web site.

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Protecting you from unauthorized use of your debit card is one of our top priorities at First National Bank.  To mitigate fraud, we have implemented a monitoring system, called Falcon, to help guard your debit card against fraudulent activity.  If suspicious activity is detected on your card, you will be contacted by us or a fraud specialist calling on our behalf to verify the transactions in question. 

If you get a call from a fraud specialist or your card is being denied after normal business hours please contact their 24/7 support at 1-866-508-2693.

How Does Falcon Work?

       Monitors all card transactions for unusual or suspicious activity

       Takes into account your normal activities

       Each transaction is scored based on the likelihood of fraud

       Depending on the score, once an unusual or suspicious transaction takes place, you will be called and/or the account will have a temporary block put on it until you can be contacted.

How Am I Notified?

During the notification process, the fraud specialist from Falcon will note that he or she is calling on behalf of First National Bank.  The fraud specialist will ask you to validate your identity via a series of qualifying questions that must exactly match the information in our records to successfully authenticate your identity. 

Please remember that we will NOT ask for your card number of personal identification number (PIN) to verify your identity.  Always use caution when providing your card information, and contact us if you suspect your card has been stolen or compromised.

If you cannot be reached, Falcon may put a temporary block on your account to prevent further fraudulent activity.

What Do I Need to Do?

To ensure that we can reach you promptly if fraudulent activity is suspected, we need to have current contact information on file, including:

       Primary phone number

       Secondary phone number (mobile phone or work number)

       Current address

       City, state and ZIP code


It is very important to keep this information current.  If your information changes, please contact us immediately. 


To Report a Lost or Stolen ATM / Debit Card:

  1. Call Shazam @ 1-800-383-8000 to report the card lost or stolen.
  2. Contact First National Bank via email or call 319-352-1340 (800-369-3629) to cancel your card. If the bank is closed, please leave your name and phone number. A bank representative will return your call as promptly as possible.
  3. Verify your account transactions with a First National Bank Representative.
  4. A bank representative will process application for a replacement card.

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APY as high as: Rate
15 Months 0.70%
36 Months Raise-a-Rate** 1.00%
60 Months 1.50%
Savvy Saver 24 Month (21 years and younger) 1.00%
Rates Subject to Change


Heartbleed Bug
Heartbleed is a flaw in the programming on secure websites that could put your personal information at risk, including passwords, credit card information and e-mails.

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