Coronavirus Disease 2019 (COVID19) Response

Updated April 8, 2020

During Michigan’s ‘Stay Home, Stay Safe’ directive issued by Governor Whitmer, First National Bank is considered part of the ‘Critical Infrastructure Sector’. This means First National will stand ready to ensure that our customers and community may continue to access crucial financial services during the COVID-19 emergency.   

You can expect First National to be here for you. We will continue to operate in the following manner:

  • Drive-Thru access at all offices remains open and will provide expanded service.

    • You can now do most anything in the drive-thru that you previously did in the branch lobby.
  • Branch lobby access is by appointment only.

    • To make an appointment for an in-branch visit, please call 517.546.3150.
    • We will work with you to determine the safest, most convenient and efficient means to serve you.
  • The Howell VG’s branch is closed until further notice.

  • Please take even greater advantage of these convenient, remote access services during this time:

  • Just need cash…? 

    • Consider using an ATM or getting cash back when making a purchase using your Debit Card and PIN.


COVID-19 Hardship Assistance Programs

Special programs are in place to help address coronavirus-related hardship relative to consumer installment loans, mortgages and commercial loans.

You will need to contact First National Bank to participate in these relief efforts.

To request coronavirus-related hardship assistance, call your First National Banker, Lender or our loan operations customer service line, at 517-545-2224, Monday-Friday 8 am – 4:30 pm.

Payment Assistance:

Consumer installment loans (vehicles, RV's, boats) – payment deferral of up to 90 days*

Mortgage Loans – payment deferral of up to 90 days*

Credit card balances - for concerns about your credit card payment or balance, there is contact information on the back of your card or your monthly statement.

*Such deferrals are typically structured to suspend payment requirements for one or more months, adding the same number of months to the loan maturity
to allow for eventual payment in full.

Fee Waivers

First National is providing fee waivers for up to 90 days on a range of consumer and commercial accounts/ products/services. Because of the variety and nature – please contact your banker or lender to discuss your specific situation and potential COVID-19 relief.

Suspension of Repossession:

First National has suspended initiating new repossession actions for vehicles, RVs, or marine craft. This suspension is effective through the end of April 2020, and we will continue to evaluate considerations to extend this program.

Suspension of Foreclosure:

First National has suspended initiating new residential property foreclosure actions unless required by federal or government agencies. This suspension is effective through the end of April 2020, and we will continue to evaluate considerations to extend this program.

Commercial Loans:

First National Bank recognizes the unique demands on business owners.  If you or your business are experiencing undue financial stress as a result of current economic conditions, reach out to your lender directly and immediately.  They are working diligently with business owners to work through these trying times.  If your lender is unavailable due to the heavy demand for assistance, please also feel free to contact  Marty Smith directly at 517.545.2209. 

Paycheck Protection Program (PPP) Loan

COVID-19 Small Business Loan Relief Programs Overview (PPP, EIDL, Etc.)

 Remember,

  • Whether you are having coronavirus-related financial issues from being out of work, reduced hours or income, resulting in your inability to make a vehicle, mortgage, home equity or other loan payment - Maybe it is your business finances that are of concern, we want to hear from you.
  • Talk to us and let’s discuss the tools we have available to help alleviate your concern and help you through this unprecedented time. Call us at 517.546.3150 or Contact Us using our online form. 
  • The sooner you contact us or any other financial provider the better. The earlier we can begin to work with you, the more options, flexibility, tools and resources will be available to help.

Due to high demand, wait times may be longer than normal and we thank you for your patience as we navigate this situation together.


Community Assistance Resources from the United Way of Livingston County


Tips to Avoid Coronavirus Scams and Protect Your Money

Unfortunately, fraudsters are finding ways to take advantage of fears related to the coronavirus. Learn about the common scams and what you can do to protect yourself.

Fraud attempts, especially ‘phishing’ attempts and malicious web sites, are fully expected to increase significantly around implementation of the CARES Act.

  • Now that the stimulus activities are being rolled out, expect fraudsters to be hyper-active – this means we all must be hyper-diligent and even more wary than usual.  As consumers and financial institutions deal with direct and check deposits for the stimulus package to America’s consumers as well as the loan and grant programs small businesses are vying for, fraudsters will be just as keen to defraud consumers and small business of their fair share.  Use the additional tips below to help keep this from happening to you.
These tips from the Federal Trade Commission (FTC) and American Bankers Association (ABA) are wise at any time, especially during these uncertain times:
  • Watch out for phishing scams. Phishing scams use fraudulent emails, texts, phone calls and websites to trick users into disclosing private account or login information. Do not click on links or open any attachments or pop-up screens from sources you are not familiar with, and NEVER give your password, account number or PIN to anyone.
  • Ignore offers for a COVID-19 vaccine, cure or treatment. Rely on information from your local, state and federal health agencies for the most credible information. If there is a medical breakthrough, it will not be reported through unsolicited emails or online ads.
  • Rely on official sources for the most up-to-date information on COVID-19. Visit the Centers for Disease Control and Prevention, World Health Organization and your state’s health department websites to keep track of the latest developments.
  • Remember that the safest place for your money is in the bank—it’s physically secure and it’s federally insured. When you deposit your money at a bank, you get the comfort of knowing that your funds are secure and insured by the government. You don’t have the same level of protection when your money is outside the banking system.
  • Do some research before making a donation. Be wary of any business, charity or individual requesting COVID-19-related payments or donations in cash, by wire transfer, gift card or through the mail.
  • Keep your computers and mobile devices up to date. Having the latest security software, web browser, and operating system are the best defenses against viruses, malware and other online threats. Turn on automatic updates so you receive the newest fixes as they become available.
  • Recognize and avoid bogus website links. Cybercriminals embed malicious links to download malware onto devices or route users to bogus websites. Hover over suspicious links to view the actual URL that you are being routed to. Fraudulent links are often disguised by simple changes in the URL. For example: www.ABC-Bank.com vs ABC_Bank.com.
  • Change your security settings to enable multi-factor authentication for accounts that support it. Multi-factor authentication—or MFA—is a second step to verify who you are, like a text with a code.
  • Before making any investment, remember that there is a high potential for fraud right now. You should be wary of any company claiming the ability to prevent, detect or cure coronavirus. For information on how to avoid investment fraud, visit the U.S. Securities and Exchange Commission website.
  • Never click on links within emails or sites unfamiliar to you. Doing so, could result in having a virus downloaded onto your computer or device.
  • Remain alert and vigilant with emails from what appears to be the Center for Disease Control (CDC), the World Health Organization (WHO) and even your local health agencies. Instead of using a link within or relying on information from an email, visit the Center for Disease Control and Prevention official website as well as the World Health Organization (WHO) website or your state or local health department web site for the most credible information.
  • Always remember that First National, nor any other reputable financial provider, will never call or email you, unsolicited, to ask for information about your accounts. If you even suspect you have been the victim of fraud, please contact us immediately. We're here to help.
  • Help others by reporting coronavirus scams. Visit the FBI's Internet Crime Complaint Center at www.ic3.gov to report suspected or confirmed scams. You can also stay up-to-date on the latest scams by visiting the FTC’s coronavirus page at ftc.gov/coronavirus.  
     

At First National, our top priority has always been and always will be the health and well-being of our entire bank family. That means the bank itself, customers, our staff who serve you, and the communities where we operate. We will continue to do all we can to help the entire First National family during and after this emergency.

First National eagerly looks forward to resuming more normal operations and welcoming you back to our branch lobby when this health emergency has passed. Until then, be safe and healthy. Thank you for banking locally and banking with First National.

If you have questions about how this situation impacts your relationship with First National, we would be pleased to help. Use our online Contact Us tool or call us at 517.546.3150.

 

Updated April 3, 2020

During Michigan’s ‘Stay Home, Stay Safe’ directive issued by Governor Whitmer, First National Bank is considered part of the ‘Critical Infrastructure Sector’. This means First National will stand ready to ensure that our customers and community may continue to access crucial financial services during the COVID-19 emergency.   

You can expect First National to be here for you. We will continue to operate in the following manner:

  • Drive-Thru access at all offices remains open and will provide expanded service.

    • You can now do most anything in the drive-thru that you previously did in the branch lobby.
  • Branch lobby access is by appointment only.

    • To make an appointment for an in-branch visit, please call 517.546.3150.
    • We will work with you to determine the safest, most convenient and efficient means to serve you.
  • The Howell VG’s branch is closed until further notice.

  • Please take even greater advantage of these convenient, remote access services during this time:

  • Just need cash…? 

    • Consider using an ATM or getting cash back when making a purchase using your Debit Card and PIN.


COVID-19 Hardship Assistance Programs

Special programs are in place to help address coronavirus-related hardship relative to consumer installment loans, mortgages and commercial loans.

You will need to contact First National Bank to participate in these relief efforts.

To request coronavirus-related hardship assistance, call your First National Banker, Lender or our loan operations customer service line, at 517-545-2224, Monday-Friday 8 am – 4:30 pm.

Payment Assistance:

Consumer installment loans (vehicles, RV's, boats) – payment deferral of up to 90 days*

Mortgage Loans – payment deferral of up to 90 days*

Credit card balances - for concerns about your credit card payment or balance, there is contact information on the back of your card or your monthly statement.

*Such deferrals are typically structured to suspend payment requirements for one or more months, adding the same number of months to the loan maturity
to allow for eventual payment in full.

Fee Waivers

First National is providing fee waivers for up to 90 days on a range of consumer and commercial accounts/ products/services. Because of the variety and nature – please contact your banker or lender to discuss your specific situation and potential COVID-19 relief.

Suspension of Repossession:

First National has suspended initiating new repossession actions for vehicles, RVs, or marine craft. This suspension is effective through the end of April 2020, and we will continue to evaluate considerations to extend this program.

Suspension of Foreclosure:

First National has suspended initiating new residential property foreclosure actions unless required by federal or government agencies. This suspension is effective through the end of April 2020, and we will continue to evaluate considerations to extend this program.

Commercial Loans:

First National Bank recognizes the unique demands on business owners.  If you or your business are experiencing undue financial stress as a result of current economic conditions, reach out to your lender directly and immediately.  They are working diligently with business owners to work through these trying times.  If your lender is unavailable due to the heavy demand for assistance, please also feel free to contact  Marty Smith directly at 517.545.2209. 

Paycheck Protection Program (PPP) Loan

COVID-19 Small Business Loan Relief Programs Overview (PPP, EIDL, Etc.)

 Remember,

  • Whether you are having coronavirus-related financial issues from being out of work, reduced hours or income, resulting in your inability to make a vehicle, mortgage, home equity or other loan payment - Maybe it is your business finances that are of concern, we want to hear from you.
  • Talk to us and let’s discuss the tools we have available to help alleviate your concern and help you through this unprecedented time. Call us at 517.546.3150 or Contact Us using our online form. 
  • The sooner you contact us or any other financial provider the better. The earlier we can begin to work with you, the more options, flexibility, tools and resources will be available to help.

Due to high demand, wait times may be longer than normal and we thank you for your patience as we navigate this situation together.


Community Assistance Resources from the United Way of Livingston County


Tips to Avoid Coronavirus Scams and Protect Your Money

Unfortunately, fraudsters are finding ways to take advantage of fears related to the coronavirus. Learn about the common scams and what you can do to protect yourself.

These tips from the Federal Trade Commission (FTC) and American Bankers Association (ABA) are wise at any time, especially during these uncertain times:
  • Watch out for phishing scams. Phishing scams use fraudulent emails, texts, phone calls and websites to trick users into disclosing private account or login information. Do not click on links or open any attachments or pop-up screens from sources you are not familiar with, and NEVER give your password, account number or PIN to anyone.
  • Ignore offers for a COVID-19 vaccine, cure or treatment. Rely on information from your local, state and federal health agencies for the most credible information. If there is a medical breakthrough, it will not be reported through unsolicited emails or online ads.
  • Rely on official sources for the most up-to-date information on COVID-19. Visit the Centers for Disease Control and Prevention, World Health Organization and your state’s health department websites to keep track of the latest developments.
  • Remember that the safest place for your money is in the bank—it’s physically secure and it’s federally insured. When you deposit your money at a bank, you get the comfort of knowing that your funds are secure and insured by the government. You don’t have the same level of protection when your money is outside the banking system.
  • Do some research before making a donation. Be wary of any business, charity or individual requesting COVID-19-related payments or donations in cash, by wire transfer, gift card or through the mail.
  • Keep your computers and mobile devices up to date. Having the latest security software, web browser, and operating system are the best defenses against viruses, malware and other online threats. Turn on automatic updates so you receive the newest fixes as they become available.
  • Recognize and avoid bogus website links. Cybercriminals embed malicious links to download malware onto devices or route users to bogus websites. Hover over suspicious links to view the actual URL that you are being routed to. Fraudulent links are often disguised by simple changes in the URL. For example: www.ABC-Bank.com vs ABC_Bank.com.
  • Change your security settings to enable multi-factor authentication for accounts that support it. Multi-factor authentication—or MFA—is a second step to verify who you are, like a text with a code.
  • Before making any investment, remember that there is a high potential for fraud right now. You should be wary of any company claiming the ability to prevent, detect or cure coronavirus. For information on how to avoid investment fraud, visit the U.S. Securities and Exchange Commission website.
  • Never click on links within emails or sites unfamiliar to you. Doing so, could result in having a virus downloaded onto your computer or device.
  • Remain alert and vigilant with emails from what appears to be the Center for Disease Control (CDC), the World Health Organization (WHO) and even your local health agencies. Instead of using a link within or relying on information from an email, visit the Center for Disease Control and Prevention official website as well as the World Health Organization (WHO) website or your state or local health department web site for the most credible information.
  • Always remember that First National, nor any other reputable financial provider, will never call or email you, unsolicited, to ask for information about your accounts. If you even suspect you have been the victim of fraud, please contact us immediately. We're here to help.
  • Help others by reporting coronavirus scams. Visit the FBI's Internet Crime Complaint Center at www.ic3.gov to report suspected or confirmed scams. You can also stay up-to-date on the latest scams by visiting the FTC’s coronavirus page at ftc.gov/coronavirus.  
     

At First National, our top priority has always been and always will be the health and well-being of our entire bank family. That means the bank itself, customers, our staff who serve you, and the communities where we operate. We will continue to do all we can to help the entire First National family during and after this emergency.

First National eagerly looks forward to resuming more normal operations and welcoming you back to our branch lobby when this health emergency has passed. Until then, be safe and healthy. Thank you for banking locally and banking with First National.

If you have questions about how this situation impacts your relationship with First National, we would be pleased to help. Use our online Contact Us tool or call us at 517.546.3150.

 

Updated March  24, 2020

During Michigan’s ‘Stay Home, Stay Safe’ directive issued by Governor Whitmer, First National Bank is considered part of the ‘Critical Infrastructure Sector’.

This means First National will stand ready to ensure that our customers and community may continue to access crucial financial services during the COVID-19 emergency.   

You can expect First National to be here for you. We will continue to operate in the following manner:

  • Drive-Thru access at all offices remains open and will provide expanded service.

    • You can now do most anything in the drive-thru that you previously did in the branch lobby.
  • Branch lobby access is by appointment only.

    • To make an appointment for an in-branch visit, please call 517.546.3150.
    • We will work with you to determine the safest, most convenient and efficient means to serve you.
  • The Howell VG’s branch is closed until further notice.

  • Please take even greater advantage of these convenient, remote access services during this time:

  • Just need cash…? 

    • Consider using an ATM or getting cash back when making a purchase using your Debit Card and PIN.


COVID-19 Hardship Assistance Programs

Special programs are in place to help address coronavirus-related hardship relative to consumer installment loans, mortgages and commercial loans. You will need to contact First National Bank to participate in these relief efforts.

To request coronavirus-related hardship assistance, call your First National Banker, Lender or our loan operations customer service line, at 517-545-2224, Monday-Friday 8 am – 4:30 pm.


Payment Assistance:

Consumer installment loans (vehicles, RV's, boats) – payment deferral of up to 90 days*

Mortgage Loans – payment deferral of up to 90 days*

Credit card balances - for concerns about your credit card payment or balance, there is contact information on the back of your card or your monthly statement.

Fee Waivers

First National is providing fee waivers for up to 90 days on a range of consumer and commercial accounts/ products/services. Because of the variety and nature – please contact your banker or lender to discuss your specific situation and potential COVID-19 relief.

Suspension of Repossession:

First National has suspended initiating new repossession actions for vehicles, RVs, or marine craft. This suspension is effective through the end of April 2020, and we will continue to evaluate considerations to extend this program.

Suspension of Foreclosure:

First National has suspended initiating new residential property foreclosure actions unless required by federal or government agencies. This suspension is effective through the end of April 2020, and we will continue to evaluate considerations to extend this program.

Commercial Loans:

First National Bank recognizes the unique demands on business owners.  If you or your business are experiencing undue financial stress as a result of current economic conditions, reach out to your lender directly and immediately.  They are working diligently with business owners to work through these trying times.  If your lender is unavailable due to the heavy demand for assistance, please also feel free to contact  Marty Smith directly at 517.545.2209. 

 

Remember,

  • Whether you are having coronavirus-related financial issues from being out of work, reduced hours or income, resulting in your inability to make a vehicle, mortgage, home equity or other loan payment - Maybe it is your business finances that are of concern, we want to hear from you.
  • Talk to us and let’s discuss the tools we have available to help alleviate your concern and help you through this unprecedented time. Call us at 517.546.3150 or Contact Us using our online form. 
  • The sooner you contact us or any other financial provider the better. The earlier we can begin to work with you, the more options, flexibility, tools and resources will be available to help.

Due to high demand, wait times may be longer than normal and we thank you for your patience as we navigate this situation together.

*Such deferrals are typically structured to suspend payment requirements for one or more months, adding the same number of months to the loan maturity to allow for eventual payment in full.

Community Resources from the United Way of Livingston County


Keep the ‘fraudsters’ at bay…

Scammers and fraudsters often accompany periods of uncertainty like this one created by the coronavirus. Already there are reports of fraudulent web sites to sell virus-related products, email and social media attempts to steal your personal and financial information and more.  These Federal Trade Commission (FTC) tips are wise at any time, especially during these uncertain times:

  • Never click on links within emails or sites unfamiliar to you. Doing so, could result in having a virus downloaded onto your computer or device.
  • Make certain you have up-to-date virus software and the latest updates downloaded on your computer or device.
  • Remain alert and vigilant with emails from what appears to be the Center for Disease Control (CDC), the World Health Organization (WHO) and even your local health agencies. Instead, of using a link or relying on information from an email, visit the Center for Disease Control and Prevention official website as well as the World Health Organization (WHO) website or your state or local health department web site for the most credible information.
  • Ignore ads and online offers for coronavirus vaccines, preventions, treatment, or cures - rely on information from your health agencies instead for the most credible information.
  • Lastly, please remember that First National, nor any other reputable financial provider, will never call or email you, unsolicited, to ask for information about your accounts. If you even suspect you have been the victim of fraud, please contact us immediately. We're here to help.

At First National, our top priority has always been and always will be the health and well-being of our entire bank family. That means the bank itself, customers, our staff who serve you, and the communities where we operate. We will continue to do all we can to help the entire First National family during and after this emergency.

First National eagerly looks forward to resuming more normal operations and welcoming you back to our branch lobby when this health emergency has passed. Until then, be safe and healthy. Thank you for banking locally and banking with First National.

If you have questions about how this situation impacts your relationship with First National, we would be pleased to help. Use our online Contact Us tool or call us at 517.546.3150.

 

Updated March  23, 2020

During Michigan’s ‘Stay Home, Stay Safe’ directive issued by Governor Whitmer, First National Bank is considered part of the ‘Critical Infrastructure Sector’.

This means First National will stand ready to ensure that our customers and community may continue to access crucial financial services during the COVID-19 emergency.   

You can expect First National to be here for you. We will continue to operate in the following manner:

  • Drive-Thru access at all offices remains open and will provide expanded service.

    • You can now do most anything in the drive-thru that you previously did in the branch lobby.
  • Branch lobby access is by appointment only.

    • To make an appointment for an in-branch visit, please call 517.546.3150.
    • We will work with you to determine the safest, most convenient and efficient means to serve you.
  • The Howell VG’s branch is closed until further notice.

  • Please take even greater advantage of these convenient, remote access services during this time:

  • Just need cash…? 

    • Consider using an ATM or getting cash back when making a purchase using your Debit Card and PIN.

First National Bank is your community bank.

Your friends at First National are ready, willing and able to work with you if you are experiencing financial hardship as a result of this pandemic situation.

  • Whether you are having issues from being out of work, unable to make a vehicle, mortgage, home equity or other loan payment - maybe it is your business finances that are of concern, we want to hear from you.
  • Talk to us and let’s discuss the tools we have available to help alleviate your concern and help you through this unprecedented time. Call us at 517.546.3150 or Contact Us using our online form. If you have concerns about your credit card payment or balance, there is contact information on the back of your card or your monthly statement.
  • The sooner you contact us or any other financial provider the better. The earlier we can begin to work with you, the more options, flexibility, tools and resources will be available to help.

 Keep the ‘fraudsters’ at bay…

Scammers and fraudsters often accompany periods of uncertainty like this one created by the coronavirus. Already there are reports of fraudulent web sites to sell virus-related products, email and social media attempts to steal your personal and financial information and more.  These Federal Trade Commission (FTC) tips are wise at any time, especially during these uncertain times:

  • Never click on links within emails or sites unfamiliar to you. Doing so, could result in having a virus downloaded onto your computer or device.
  • Make certain you have up-to-date virus software and the latest updates downloaded on your computer or device.
  • Remain alert and vigilant with emails from what appears to be the Center for Disease Control (CDC), the World Health Organization (WHO) and even your local health agencies. Instead, of using a link or relying on information from an email, visit the Center for Disease Control and Prevention official website as well as the World Health Organization (WHO) website or your state or local health department web site for the most credible information.
  • Ignore ads and online offers for coronavirus vaccines, preventions, treatment, or cures - rely on information from your health agencies instead for the most credible information.
  • Lastly, please remember that First National, nor any other reputable financial provider, will never call or email you, unsolicited, to ask for information about your accounts. If you even suspect you have been the victim of fraud, please contact us immediately. We're here to help.

At First National, our top priority has always been and always will be the health and well-being of our entire bank family. That means the bank itself, customers, our staff who serve you, and the communities where we operate. We will continue to do all we can to help the entire First National family during and after this emergency.

First National eagerly looks forward to resuming more normal operations and welcoming you back to our branch lobby when this health emergency has passed. Until then, be safe and healthy. Thank you for banking locally and banking with First National.

If you have questions about how this situation impacts your relationship with First National, we would be pleased to help. Use our online Contact Us tool or call us at 517.546.3150.

 

 

From March 19, 2020

The safety and well-being of the entire First National family – customers, staff, families and community, is always our top priority. Toward that end and during this unprecedented time, First National has made the difficult, yet responsible, decision to modify bank operations until further notice:

  • Drive-thru access at all offices remains open and will provide expanded service.

    • You can now do most anything in the drive-thru that you previously did within the branch lobby.

  • Branch Lobby access is by appointment only.
    • To make an appointment for an in-branch visit, please call 517.546.3150.
    • We will work with you to determine the safest, most convenient and efficient means to serve you.
  • The Howell VG’s branch is closed until further notice. 

  • Please take even greater advantage of these convenient remote services during this time:


Your friends at First National continue to work hard
with any eye toward helping keep you and themselves safe…

  • Bank staff able to do so are working remotely
  • Several staff are re-assigned to areas of anticipated greater need and customer service
  • Those remaining are working at safe distances from one another whenever possible and continue to regularly clean the drive-thru canisters, ATM’s, work surfaces and common areas as part of our stepped-up preventative measures.
  • If staff are not feeling well, they are required to stay home

 

First National Bank is your community bank.

Your friends at First National are ready, willing and able to work with you if you are experiencing financial hardship as a result of this pandemic situation.

Whether you are having issues from being out of work, unable to make a vehicle, mortgage, home equity or other loan payment - maybe it is your business finances that are of concern, we want to hear from you.

Talk to us and let’s discuss the tools we have available to help alleviate your concern and help you through this unprecedented time. Call us at 517.546.3150 or Contact Us using our online form.

 

Keep the ‘fraudsters’ at bay…

Scammers and fraudsters often accompany periods of uncertainty like this one created by the coronavirus. Already there are reports of fraudulent web sites to sell virus-related products, email and social media attempts to steal your personal and financial information and more.  These Federal Trade Commission (FTC) tips are wise at any time, especially during these uncertain times:

  • Never click on links within emails or sites unfamiliar to you. Doing so, could result in having a virus downloaded onto your computer or device.
  • Make certain you have up-to-date virus software and the latest updates downloaded on your computer or device.
  • Remain alert and vigilant with emails from what appears to be the Center for Disease Control (CDC), the World Health Organization (WHO) and even your local health agencies. Instead, of using a link or relying on information from an email, visit the Center for Disease Control and Prevention official website as well as the World Health Organization (WHO) website or your state or local health department web site for the most credible information.
  • Ignore ads and online offers for coronavirus vaccines, preventions, treatment, or cures - rely on information from your health agencies instead for the most credible information.
  • Lastly, please remember that First National, nor any other reputable financial provider, will never call or email you, unsolicited, to ask for information about your accounts. If you even suspect you have been the victim of fraud, please contact us immediately. We're here to help.

First National eagerly looks forward to resuming more normal operations and welcoming you back to our branch lobby when this health emergency has passed. Until then, be safe and healthy. Thank you for banking locally and banking with First National.

If you have questions about how this situation impacts your relationship with First National, we would be pleased to help. Use our online Contact Us tool or call us at 517.546.3150.

 

 

From March 12, 2020


First National Preparedness…
Plans Already In Place For Dealing With Such Situations

First National Bank is closely monitoring the potential for disruption of businesses, including banking, resulting from the coronavirus (COVID-19) pandemic. The bank is required to have a Business Continuity Plan in place that addresses most any situation – even strategies for a potential pandemic situation.  We have reviewed this plan and updated bank staff accordingly. First National is continuously monitoring efforts by our regulatory agencies, trade and industry groups, banking peers and local health officials.

We want you to have confidence that you can access and manage your finances from virtually anywhere at any time using a variety of remote access services. This includes confirming balances, reviewing recent transactions and account history, depositing checks, transferring funds (even between institutions or to another person using Online Bill Pay), making loan payments and more.

Please consider taking even greater advantage of these convenient remote services during this time:

 
As your community bank, we’re always happy to see you. During times like this we STRONGLY encourage customers visiting our branches to utilize drive up banking whenever possible. This helps maintain the social distancing that is recommended to prevent spread of the virus and that helps protect you and your friends at First National.

Additionally...

  • First National will be more regularly cleaning work surfaces and other areas like ATM's as part of our stepped-up preventative measures.

  • Know that you can continue to place your trust and confidence in First National Bank, a strong, safe and secure community bank, federally insured by the the Federal Deposit Insurance Corporation (FDIC), an independent agency of the United States government that protects the funds depositors place in banks and savings associations. FDIC insurance is backed by the full faith and credit of the United States government. Since the FDIC was established in 1933, no depositor has lost a penny of FDIC-insured funds. Find out more about FDIC insurance here.

  • First National strongly discourages making large cash withdrawals at any time, but especially in response to issues such as the coronavirus.  Scammers, criminals and others with malicious intent always ramp up their efforts when situations such as this arise.  Having cash on hand provides an unsafe opportunity that can and should be avoided.

  • The security of our customers and staff is of utmost priority at all times. We respectfully ask anyone who feels it is necessary to wear a mask, to please use our drive-up facilities or remove the mask when entering the bank lobby. This will help prevent someone with malicious intentions from taking advantage of the current environment and hiding their face.


First National also encourages staff and customers to follow these guidelines, distributed by the Centers for Disease Control (CDC):

  • Wash your hands often with soap and water for at least 20 seconds or use an alcohol-based hand sanitizer containing at least 60% alcohol.
  • Avoid touching your eyes, nose, and mouth with unwashed hands.
  • Avoid close contact with people who are sick.
  • Stay home when you are experiencing flu-like symptoms, such as fever or chills and a cough or sore throat or any other feeling of sickness.
  • Cover your cough or sneeze with a tissue, then throw the tissue in the trash.
  • Clean and disinfect frequently touched objects and surfaces.

 

For the most credible information regarding Coronavirus… About it, the latest updates and its impact, visit the Centers for Disease Control (CDC) Coronavirus page here.


Keep the ‘fraudsters’ at bay…

Scammers and fraudsters often accompany periods of uncertainty like this one created by the coronavirus. Already there are reports of fraudulent web sites to sell virus-related products, email and social media attempts to steal your personal and financial information and more.  These Federal Trade Commission (FTC) tips are wise at any time, especially during these uncertain times:

  • Never click on links within emails or sites unfamiliar to you. Doing so, could result in having a virus downloaded onto your computer or device.
  • Make certain you have up-to-date virus software and the latest updates downloaded on your computer or device.
  • Remain alert and vigilant with emails from what appears to be the Center for Disease Control (CDC), the World Health Organization (WHO) and even your local health agencies. Instead, of using a link or relying on information from an email, visit the Center for Disease Control and Prevention official website as well as the World Health Organization (WHO) website or your state or local health department web site for the most credible information.
  • Ignore ads and online offers for coronavirus vaccines, preventions, treatment, or cures - rely on information from your health agencies instead for the most credible information.
  • Lastly, please remember that First National, nor any other reputable financial provider, will never call or email you, unsolicited, to ask for information about your accounts. If you even suspect you have been the victim of fraud, please contact us immediately. We're here to help.

If you have questions about how this situation impacts your relationship with First National, we would be pleased to help. Use our online ‘Contact Us’ tool or call us at 517.546.3150.

 

Thank you for banking locally and thank you for banking with First National