Report Lost or Stolen Card

If your ATM/Debit card has been lost or stolen, please call (800) 472-3272, Option 2. Please note our Bank Logo is FFNB.

Regulation E and Accounts with Internet Access

What is Regulation E?

Regulation E protects individual customers using electronic funds transfers (EFT). Non-consumer accounts are not protected by Regulation E.

What is an EFT?

An electronic funds transfer (EFT) is any transfer of funds that is initiated through an electronic terminal, telephone, computer, or magnetic tape for the purpose of ordering, instructing, or authorizing a financial institution to debit or credit a consumer's account. The term includes but is not limited to:

  • Point of sale (POS) Debit/ATM Card transactions
  • Automated teller machine transfers (ATM)
  • Direct deposits or withdrawals of funds
  • Transfers initiated by telephone
  • Transfers resulting from debit card transactions, whether or not initiated through an electronic terminal
  • Transfers initiated through internet banking and bill pay

How does Regulation E apply to a consumer using internet banking and/or bill pay?

Regulation E is a consumer protection law for accounts such as checking or savings, established primarily for personal, family, or household purposes. Non-consumer accounts, such as Corporations, Trusts, Partnerships, LLCs, etc., are excluded from coverage. Regulation E provides consumers a means to notify their financial institution that an EFT has been made to their account without their permission. If you are unsure if your account is protected by Regulation E contact us.

What protections are provided to consumers under Regulation E for consumers who use internet banking and/or bill pay?

If you believe an unauthorized EFT has been made to your account, contact us immediately. If you notify us within two business days after you learn of the unauthorized transaction the most you can lose is $50. Failure to notify the bank within two business days may result in losses up to $500.

No liability limit:

Unlimited loss to a consumer account can occur if:

• The periodic statement you receive reflects an unauthorized transfer of money from your account, and

• You don't report the unauthorized transfer to the bank within 60 days after the statement was mailed , and

• The loss could have been avoided if you had given timely notice.

How does Regulation E apply to a non-consumer using EFT/POS, internet banking and/or bill pay?

A non-consumer using POS/ATM, Online Banking and/or Bill Payment is not protected under Regulation E. Because the customer is not protected by Regulation E special consideration should be made by the customer to review the controls in place to ensure that they are commensurate of the risk level that the customer is willing to accept.

What precautions should a non-consumer take because they are not protected by Regulation E?

As a non-consumer customer you should perform a risk assessment and periodically evaluate the controls you have in place. The risk assessment should be used to determine the risk level associated with any internet activities you perform and any controls in place to mitigate these risks.

Contact Us:

Visit a branch near you or call 1-800-562-6896 for our Electronic Banking Department or email us at Note: If using email to contact us, do not include any of your personal information.