Everyone with an email account or phone number has experience with phishing and spamming. In this article we will discuss how to distinguish between legitimate communications and phishing or spam.  will never contact you unsolicited via email or any other method and ask for you to verify an account number, password, PIN (Personal Identification Number) or Social Security number.

If you believe you have received a suspicious email that purports to be from us:

• Immediately forward the email to reportphish@fnbo.com.
• Do not click on any links or respond to the phishing email or spam in any way.
• Do not modify the message, subject, or any links within.
• Delete the email, do not click on any links or respond in any way.

Additional actions you can take to protect yourself are:

• Report phishing and fraud to the Federal Trade Commission at FTC.gov 
• If you received a phishing text,  report it to your carrier by forwarding the text message to 7726 (SPAM).
• If you have experienced identity theft or loss of money, contact your local police department, and report it.

We will review the report and take necessary action to shut down any fraudulent websites. If you have clicked on a link or you believe you may have unintentionally compromised your account information, contact us immediately.

Safe & Secure:

You can still conduct business safely online as long as you have the information necessary to protect yourself. In general, you can enhance the safety of your online experience by heeding the following suggestions:

• If you receive a suspicious email or text message, do not click on any links, open any attachments, reply to the sender, or provide any information. Likewise, do not provide any information to suspicious callers. If you are unsure whether the caller is from the business they claim to represent, call the business back at a number you have verified through another source (phone book, Internet, etc.).
• We strongly recommend you do not send confidential information unencrypted via email or other means (such as Social Security numbers, account numbers, mother's birth name, annual income, source of income, etc.).
• If you are using a public computer, log out of all websites and close the email program and Internet browser you are using before you leave. Be wary of using public computers or Wi-Fi for conducting sensitive and financial transactions.
• Viruses and malware also spread by pop-up windows that look like alerts from your bank or other reputable businesses. Do not enter personal information in pop-up windows and keep your antivirus software current.
• Use the latest version of internet browsers and email programs.
• Review your email service provider's Security Policy. Or, have your email service provider explain their Security Policy.