First National Bank offers consumers multiple layers of security protection against fraud, including Visa's Zero Liability policy, the cardholders' ultimate protection.  With Zero Liability, consumers are not responsible for any unauthorized purchases made with their Visa cards. Security breaches have become more commonplace in the card industry. You, the consumer, are not liable for credit or debit card fraud. Here are a few standards for protecting and maintaining card date:

• Review your account activity frequently - either online or over the phone - and immediately report any suspicious card activity back to the bank.
• Regularly check your credit report for incorrect information. You are entitled to one free copy of your credit report every year at www.annualcreditreport.com or by calling 1-877-322-8228.
• Shop with merchants you know. If a deal seems too good to be true, it probably is.
• Destroy all receipts before discarding them since some of them may have your card number reprinted on them.
• Guard your card - do not use it as collateral or give out your card number to someone calling on the phone, unless you initiated the call for a purchase.