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Security Center Resources

Safety starts with education

At Farmers National Bank, we understand the importance of privacy, confidentiality and integrity to our customers. In that spirit, we have developed a framework of hardware, software and human-based controls to provide multiple layers of protection for your information. Additionally, we understand that an educated computer user can be one of the best defenses against computer crime.

As always, if you feel you have become a victim of fraud or simply have questions about online security at Farmers, please call 1-888-988-3276.

How does Farmers protect my information?

To ensure the integrity and confidentiality of your information while keeping it available to you, Farmers has developed policies and procedures to guard against unauthorized access and disclosure of this information. These practices provide guidance for the digital safeguards in place, such as antivirus, encryption, access control, user management, change control and storage. These digital controls are complimented by physical security controls.

Additionally, Farmers National Bank uses industry-accepted software that is tested for compatibility and regularly updated with the most recent patches and updates. Records are retained as outlined within the Farmers National Bank Records Retention Manual in accordance with applicable state laws and federal regulations.

How does Farmers use my information? (PDF)

Online and mobile banking security

Because your online and mobile banking passwords are used to access your accounts, you should treat them as you would any other sensitive personal data. You should carefully select a password that is hard to guess. Keep your password safe. Memorize your password and never tell it to anyone. You should not under any circumstances disclose your password by telephone or to anyone claiming to represent Farmers National Bank. Bank employees do not need and should not ask for your password.

You will be prompted to change your password every 90 days. This can also be done at any time once you are logged in, from the “Options” menu. Passwords must be 8-12 characters and a combination of numbers, letters and special characters containing at least 1 uppercase letter, 1 number and 1 special character. Your session time is unlimited, but to help prevent unauthorized access and ensure the security of your accounts, we will end your online session if we have detected no activity for 15 minutes.

If you suspect that an unauthorized person has access to your password or believe your password has been lost or stolen or that someone may attempt to use the service without your consent or has transferred funds without your permission, you must notify Farmers National Bank immediately.

Here are a few additional steps you can take to further enhance the security of your own account and personal information on the computer that you use for online banking, shopping and bill payments:

  • Visit only reputable websites.
  • Don’t download programs or software from unknown sites.
  • Stay current with the most recent patches for your operating system and programs.
  • Install and update antivirus and online security software on a regular basis.
  • Don’t open email attachments from unknown senders.

Mobile banking on your smartphone provides the convenience of online banking to you on the go. However, smart phones and tablets can also be impacted by the same attacks as a desktop computer. Here are some helpful tips to help keep you safe while enjoying the freedom of mobile banking:

  • Only install the official banking application from the Apple Store or Google Play Store.
  • Don’t open suspicious email or attachments on your mobile device.
  • Use caution when visiting an unknown site.
  • Consider installing antivirus software for your mobile device.
  • Only install applications from verified sources like the Apple Store of Google Play Store.
  • Pay close attention to the permissions you are granting an application when it is installed.
  • Use a passcode, PIN or fingerprint to unlock your phone.


Cyber criminals embark on Phishing expeditions every day. They might send out thousands of emails at a time in hopes of hooking just one unsuspecting person. The information they gather from a successful phishing email can lead to financial fraud, identity theft and account takeovers.

Here are a few tactics phishing scammers use:

Masquerading as a company or acquaintance

This can be a company you have done business with, a friend or a relative. By masking their identity or presenting themselves as a trusted company, a cybercriminal attempts to build trust. They may ask you to visit a link on a topic or open a file attached to the email. By doing so, you risk infecting your computer with a virus and possibly opening a connection between you and the attacker. If you receive a message that is unfamiliar, unexpected or differs from the typical message you receive, it may be a phishing attempt.

Creating a sense of urgency

Cybercriminals can be very good at creating a message that looks authentic and claim to be from a company familiar to you. They also deliver messages with dire consequences if immediate action is not taken. Additionally, messages may appear to come from a government agency such as the Federal Bureau of Investigation, Internal Revenue Service or Department of Homeland Security. The message will demand a response in order to avoid penalties.

The message threatens you with severe consequences

Some phishing messages threaten penalties, fines and prison in an attempt to get you to act quickly, without having time to check the validity of the message. Some threats include account closure, notifying collections or credit agencies, and even foreclosure.

ATM and night depository security

For your own safety, exercise caution when using an ATM or making a deposit at a night depository. Complete any paperwork or deposit slips in a secure location before arriving at the ATM or night drop to help expedite your transaction.

  • ATM receipts may contain important account information. Don’t leave them behind.
  • Review your statements regularly and carefully to identify unusual charges. If you suspect fraudulent charges, report this activity to our customer call center immediately.
  • ATM cards provide direct access to your account. Keep them secure and don’t let others use them.
  • Once you have completed your transaction or deposit, be sure not to leave anything behind.
  • Keep your PIN confidential and don’t write it down where it can be seen by others. Additionally, do not provide your card PIN to anyone over the phone.
  • If you are using a drive-up ATM, keep windows up and doors locked to provide extra protection while conducting your transaction.
  • When using the ATM or other key pad, use your hand or body to block others from seeing you enter it.
  • Always check your surroundings to ensure your safety when using an ATM or night Depository.
  • Ensure the ATM looks genuine and does not appear to be altered or have devices attached to the exterior of the ATM. (Sometimes a fraudster will attach a card reader, second keypad or small camera to an ATM.)

If you see anything that makes you feel uncomfortable, or if you have a concern, consider visiting another location and feel free to contact the branch with your concern.

Identity theft

What is identity theft?

Identity theft occurs when someone illegally obtains your personal information and uses it without your permission. Criminals use information such as your Social Security number, bank account information and information found on tax returns to conduct criminal activities. They may open a new credit card, open a new bank account, or purchase large ticket items such as boats or use the information to apply for a mortgage.

Criminals obtain information in a variety of ways. They may use a computer infection to capture keystrokes or steal a wallet or purse. Identity thieves intercept mail or steal paperwork with your personal information on it. Some even go as far as rummaging in dumpsters and trash cans to retrieve information that has been thrown away.

Spotting identity theft

Identity thieves can be relentless in their pursuit of information. Sometimes, no matter how cautious you are with your personal information, an identity thief can strike. Below are some signs you may have fallen victim to an identity thief:

  • Expected bills or statements do not arrive in your mailbox.
  • Unexpected bills or statements do arrive in your mailbox.
  • You discover new accounts on your annual credit report.
  • You receive unexpected calls from debt collectors or creditors.

If you suspect you have fallen victim to identity theft, you can always call us with questions or concerns at 1-888-988-3276.

You can take advantage of a free credit report by visiting

Additional Resources

Data security for businesses

Farmers National Bank serves as the commercial bank for a diverse number of businesses, including manufacturers, retailers, sales, professional and service companies — large and small. And we are in the business of protecting your financial data.

The documents below provide a more detailed summary of how we vigorously protect you from cyber threats through our products and services as well as an overview of our vigilant security practices.

Best practices for computer security

Password security

  • Avoid using the same password for multiple websites.
  • Change your passwords frequently.
  • Include upper- and lower-case letters, numbers and special characters in passwords whenever possible.
  • Make sure your passwords contain at least 8 characters.
  • Never share your passwords; keep them confidential.

Download “Best Practices for Computer Security” (PDF).

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