Security & Privacy




Security Statement


FNB employs the latest in Internet Security and User Authentication to ensure that data being transmitted through the Online Banking System is secure from unauthorized access. The methods are outlined below.

Digital IDs from VeriSign
FNB's IBS system uses digital IDs certified by VeriSign, an industry leader in digital identification certificates, to authenticate user information and provide access to the data through the system.

How do digital IDs work?
Digital IDs work from a matched key setup where the server has a "private" key issued only to the server and a "public" key widely distributed to the bank's customers. A digital ID requires a matched pair of keys that are unique to each other to encrypt and decrypt data. With this setup, transactions created, encrypted, and transmitted by bank customers using the public key can only be decrypted by the other key in the pair running on the server.


Secured Data Transmission


The Online Banking System combined with digital ID authentication through VeriSign allows the server to implement Secure Sockets Layer (SSL) protocol, the standard technology for secure web-based communications. With SSL, data traveling between the bank and customer is encrypted and can only be decrypted through the pairing of the public and private key. SSL capability is built into server hardware and browsers, but requires a digital ID to be functional.


Server Access


Server access is protected using a firewall computer and the leading firewall software, CheckPoint's Firewall-1. Firewall computers provide secure access to the Web Server and Checkpoint's software by only allowing authorized traffic to hit the Server.

By combining the latest technology with authenticated access to the web server, FNB makes your Online Banking transactions secure.



Community Reinvestment Act Notice


Under the federal Community Reinvestment Act (CRA), the Federal Reserve Board (Board) evaluates our record of helping to meet the credit needs of this community consistent with safe and sound operations. The Board also takes this record into account when deciding on certain applications submitted by us.

Your involvement is encouraged.

You are entitled to certain information about our operations and our performance under the CRA, including, for example, information about our branches, such as their location and services provided at them; the public section of our most recent CRA Performance Evaluation, prepared by the Federal Reserve Bank of St. Louis (Reserve Bank); and comments received from the public relating to our performance in helping to meet the community credit needs, as well as our responses to those comments. You may review this information today.

At least 30 days before the beginning of each quarter, the The Federal Reserve system publishes a nationwide list of the banks that are scheduled for CRA examination by the Reserve Bank in that quarter. This list is available from the Regional Director, Federal Reserve Bank of St. Louis, P.O. Box 442, St. Louis, MO 63106-3716. You may send written comments about our performance in helping to meet community credit needs to Jane Shaw, Executive Vice President & CFO, P.O. Box 847, Oxford, MS 38655 and Regional Director, Federal Reserve Bank of St. Louis, P.O. Box 442, St. Louis, MO 63106-3716. Your letter, together with any response by us, will be considered by the Federal Reserve System in evaluating our CRA performance and may be made public.

You may ask to look at any comments received by the Reserve Bank. You may also request from the Reserve Bank an announcement of our application covered by the CRA filed with the Reserve Bank. We are an affiliate of First National Holding Company, a bank holding company. You may request from the Regional Director, Federal Reserve Bank of St. Louis, P.O. Box 442, St. Louis, MO 63106-3716 an announcement of applications covered by the CRA filed by bank holding companies.


FDIC Insurance


FNB Oxford is participating in the FDIC's Transaction Account Guarantee Program. By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor's accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit: FDIC.gov.