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FNB Online Banking User Agreement

Please read this entire Agreement carefully before enrolling in the FirstNet Program. This Agreement outlines the terms and conditions of using our online banking services ("FirstNet"). It includes information outlining the requirements for participation, applicable fees, and security issues. It also describes your responsibilities for protecting your account information and what to do in case you suspect someone has accessed your information without authorization. For additional terms and conditions of your account, also refer to your Account Agreement/Signature Card and related Terms and Conditions. By enrolling in FirstNet, you are hereby agreeing and consenting to the terms and conditions described in this Agreement and the related documents.

  1. Introduction to FirstNet & Definitions
  2. Requirements for Participation in FirstNet
  3. Terms and Conditions
  4. Selected Features
  5. Security
  6. Fee Requirements
  7. FirstNet
  8. FirstNet Bill Pay Program
  9. Unauthorized Use of Your Accounts
  10. Errors or Questions
  11. Related Documents
  1. Introduction to FirstNet & Definitions
    This agreement covers the terms and conditions that apply to The First National Bank of Granbury's ("Bank") FirstNet online banking program ("FirstNet") and the FirstNet Bill Pay Program ("Bill Pay"). By enrolling in and/or using FirstNet and/or Bill Pay, you acknowledge your receipt and understanding of this Agreement and agree to abide by its terms and conditions. This Agreement will be governed by and interpreted in accordance with federal law and regulations, or in the absence of such federal law or regulations, by the laws of the State of Texas. The terms "FNB," "Bank, " "we," "us," and "our," refer to The First National Bank of Granbury. "You" or "Your" refers to each signatory on the account. The term "business day" means Monday through Friday, excluding Saturday, Sunday, and federal banking holidays. In addition to the terms and conditions of this User Agreement, each of your accounts is also governed by a Deposit Account Agreement.
  2. Requirements for Participation in FirstNet
    In order to participate in FirstNet, you must have the following:
    • An eligible account with the Bank. Eligible accounts shall consist of checking accounts, savings  accounts, money market accounts, Certificates of Deposit, IRAs, loans, and lines of credit.
    • A computer capable of connecting to the Internet and an Internet connection through an Internet Service Provider (ISP) or content provider.
    • All software required to connect to the Internet, including operating systems, connection software and browser capable of at least 128-bit SSL encryption.
    • To use the Bank's Bill Pay program you must additionally have the following: Valid enrollment in the FirstNet program and at least one active checking account with the Bank. Payments under the Bill Pay program can only be made from checking accounts. Money market accounts, savings accounts, and other account types cannot be used for the Bill Pay program.
    • To use the Bank’s “FNB Mobile” application you must have an active FirstNet account, use the online enrollment feature in FirstNet and install the proper “FNB Mobile”     application on your mobile device.
    • A valid email address and valid phone number(s) at which the Bank can contact you.
  3. Terms and Conditions
    By accessing FirstNet and/or Bill Pay, you also agree to the terms and conditions set forth below.
    1. Cancellation of Services
      You may cancel FirstNet and/or Bill Pay at any time simply by notifying Bank. Your cancellation will take effect as soon as Bank has received your notice and cancelled your service. Bank reserves the right to cancel your FirstNet and/or Bill Pay access at any time without prior notice. If your Bill Pay access should be inactive for three months the Bank will cancel your Bill Pay access and you must re-enroll to be reactivated.
    2. The First National Bank of Granbury's Liability
      Except as specifically provided in this Agreement or where the law has set forth and requires a different standard, you agree that the Bank shall not be responsible for any loss, property damage or bodily injury, whether caused by any of the following: The First National Bank of Granbury; The hardware or software; The Internet browser providers; The internet access providers; The online service providers; Any agent or subcontractor of any of the foregoing. Further, The First National Bank of Granbury shall have no responsibility for any direct, indirect, special or consequential, economic or other damages arising in any way out of the installation, use or maintenance of the hardware, software, FirstNet, the Bill Pay program, the Internet browser or access software. Bank cannot and does not assume responsibility for the security of your computer(s) and or computer network(s) or for the file(s) and payment order(s) originated from your computer(s) and or network(s) or for the file(s) and payment order(s) that appear to have been originated from your computer(s) and or computer network(s). See our Disclaimer Policy.
    3. Hours of Availability
      You may use FirstNet or the Bill Pay program twenty-four hours per day, seven days a week. However, there are times when part or all of the system will be unavailable due to maintenance requirements or technical difficulties. The Bank will not be liable for any damages should you not be able to use FirstNet or Bill Pay due to maintenance requirements or technical difficulties.
    4. Changes to Fees or Terms
      The Bank reserves the right to change the fees or other terms of this Agreement at any time. Whenever such changes are made, we will update this Agreement and either send a notice to you at the address on our records, or notify you of the changes through your FirstNet email address. The notice will be posted or sent at least thirty (30) days in advance of the effective date of any additional fees for FirstNet or the Bill Pay, or of any stricter limits on the type, amount or frequency of transactions or any increase in your responsibility for unauthorized transactions. However, should an immediate change be necessary to maintain the security of the system the thirty (30) day notice requirement is hereby waived. If such a change is made, and it can be disclosed without jeopardizing the security of the system, we will provide you with electronic or written notice within thirty (30) days after the change. You may choose to accept or decline changes by continuing or discontinuing the accounts or services to which these changes relate. We reserve the option, to waive, reduce or reverse charges or fees in individual situations. Such decision is solely up to the business judgment of the Bank.
    5. Disclosure of Account Information
      By accepting the terms and conditions of this Agreement, you acknowledge and accept our Privacy Policy which is posted on our website and available at any of our locations. See our Privacy Policy.
    6. Electronic Funds Transfer Regulations for Consumers
      The Electronic Funds Transfer Act provides you with certain rights and responsibilities with respect to certain transfers called “Electronic Funds Transfers (EFT)” which apply only to electronic fund transfers that debit or credit a consumer’s account. Your rights and responsibilities are fully described in our Electronic Funds Transfers disclosure that have been separately provided to you at account opening. Please visit any one of our convenient locations to obtain the disclosure.
    7. Mobile Deposit Availability of Funds
      We will make funds available for checks and items received, accepted, and successfully processed through Mobile Deposit according to our standard funds availability policy. Please visit any one of our convenient locations to obtain this policy.
  4. Selected Features
    FirstNet may be used by you for the following: To transfer funds between eligible accounts with the Bank. To view current and available balances for accounts with the Bank. The "current balance" obtained under FirstNet will be the balance of the account at the time the account was processed as of the last business day prior to the day on which the balance is sought. The "available balance" will be the funds available in the account as of the last time the information was read from the bank's systems. Barring any technical difficulties, the "available balance" is usually read when the customer signs on to FirstNet. To view up to 90 days of transaction history for accounts with the Bank. To search for transactions based on a variety of criteria including check number, dates, amounts, or transaction type. To view images of items that have cleared your accounts. To submit stop payment orders. To submit account-related questions to Customer Service. Bill Pay may be used to pay bills to any payee with a valid U.S. address. The FNB Mobile application may be used to access FirstNet information after proper installation of the FNB Mobile application on your mobile device.
  5. Security
    1. General Overview
      The Bank knows that one of the main concerns customers have about banking on the Internet is security. We are aware you want to be assured that your personal information is safe. FirstNet utilizes security technology widely accepted and used by the banking and financial industry for Internet commerce. This technology is constantly changing and improving. As a result of these constant changes and improvements, the Bank frequently reviews new technologies as they become available to ensure that FirstNet will remain as secure as possible in the future. Some of the features the Bank has implemented to make FirstNet secure include: Support of 128-bit SSL encryption - 128-bit encryption is the highest-grade encryption widely used in commercial and electronic commerce applications. You will also be required to maintain hardware, browser and software of a type sufficient to participate in FirstNet. Session Time-outs - the system will automatically sign the customer off of FirstNet if the customer fails to use the system for a period of twenty (20) minutes. Automatic Lockout - after three (3) consecutive failed attempts to sign onto the system, the system will automatically lock out the user's FirstNet account. The user will be able to sign back onto FirstNet only after calling Customer Service. Forced password changes. Firewalls - hardware and software firewalls are used to prevent unauthorized access of sensitive information such as account information.
    2. User ID, Password and Out-of-Band Authentication
      As part of the enrollment process for FirstNet you will specify a User ID and Password that you will need to sign on to participate in FirstNet. Your User ID must have at least eight characters. Do not use your social security number or your driver’s license number. Your Password will be separate and apart from any other Password you designate or have previously designated with the Bank. The FirstNet system will instruct you to change your Password every 90 days. In selecting a Password remember these important points: Select a Password which has at least eight characters. The Password must be alpha/numeric and have at least one special character. Avoid using personal information. Information such as your street number, your birthday or a family member's birthday, family names, your driver's license number, etc. are easy to guess and will compromise the security of your Password. Also, do not use information from documents you carry on your person, such as your social security card or credit cards. Memorize your Password. Do not write it down or reveal it to anyone. Change your Password often. This can be done online within FirstNet. FirstNet will employ Out-of-Band Authentication. If a sign-on attempt is made from a device unknown to FirstNet, the FirstNet system will ask the person attempting to sign-on whether they desire to receive the Out-of-Band Authentication code via voice call or text message to a phone number contained in the bank records.
    3. Use of Computer
      Never leave your computer unattended when you are signed onto FirstNet. It only takes a second for someone to obtain your valuable financial information. Do not take that risk. Sign off of FirstNet and sign back on later. Sign off of First Net as soon as you are finished. Beware of “phishing” emails which appear to offer your legitimate information but will contain a link or file the cyber criminal wants you to click in order to install malware on your computer. Beware of “spoofed” emails and websites. These are emails and websites that actually fake copies of the websites or emails of legitimate businesses like the bank or other companies from which you obtain services. The fraudster wants you to think you can safely click on the files or links in their emails when these files or links actually load malware on your computer. Once such malware is on your computer the fraudster can steal your online credentials, copy your keystrokes and submit fraudulent transactions to the bank or others and these transactions will appear to have originated from you and your computer. See our Security Statement.
  6. Fee Requirements
    There are no transaction charges or monthly fees for accessing your accounts through FirstNet and there is no charge for the Bill Pay program or the FNB Mobile application. For a listing of fees and charges for other Bank services see our Schedule of Fees and Charges.
  7. FirstNet
    1. Processing Online Transfers
      If you initiate an online transfer before 3 PM CST, the transfer will memo post to your account that day and can be viewed within FirstNet the following business day. If you initiate an online transfer after 3PM CST on a business day or any time on a Saturday, Sunday, or bank holiday, the transfer will be posted to your account on the next business day and can be viewed within FirstNet on the first business day after the business day on which the transfer is posted. All online transfers will be reflected in the Available Balance until processed into the Current Balance. We will be liable only for your actual losses or damages if we do not complete a transfer to or from your account(s) with the Bank on time or in the correct amount according to our Agreement with you only when the error and its cause were within the Bank's control. However, there are some exceptions. We will not be liable if: Through no fault of ours, you do not have enough money in your account to make a transfer. Your account is closed or if it has been frozen. The transfer would cause your balance to exceed the credit limit for any credit arrangement set up to cover overdrafts. A legal order directs us to prohibit withdrawals from the account. You, or anyone you allow, commits any fraud or violates any law or regulation. Any electronic terminal, telecommunication device or any part of the electronic fund transfer system is not working properly. You have not properly followed the instructions for using FirstNet and/or Bill Pay. Circumstances beyond our control (such as fire, flood, tornado or improper transmission or handling of payments by a third party) prevent the transfer, despite reasonable precautions taken by us. If the error and its cause were within the Bank's control, restitution to you will be limited to returning your account to the balance and interest earned as if the transfer had properly occurred on the scheduled date. Please refer to your Truth in Savings Disclosure for additional information regarding any transaction limits and the applicable fees.
    2. Processing Stop Payment Requests Submitted Online
      If you use the FirstNet to submit a stop payment request on an item which was not originated through the Bill Pay program, Bank will verify whether the item has already cleared. If the item has cleared, then Bank will notify you via phone or secure email that the stop payment request could not be carried out since the item had already cleared. If, at the time the request to stop payment request is received, the item has not already cleared, then Bank will place a six month stop payment order on the item you described. Your access to the Program will be deemed as your written request for the stop order. The stop payment order must be received at such time and in such manner as to afford the Bank a reasonable opportunity to act upon the order. Requests to stop payment on Automated Clearing House (ACH) entries must be submitted directly to Bank’s Customer Service Department at (817) 573 2655. You further agree to hold the Bank harmless should the item be paid through inadvertence, accident or oversight or if by reason of such payment other items drawn by the user are returned as insufficient. You also agree to indemnify the Bank against, and to hold the Bank harmless from, any and all claims, expenses and liabilities arising because of or in connection with the stop payment order or revocation thereof. If you make a stop payment order through FirstNet, you will be charged a fee identical to the fee charged for stop payment orders submitted orally or in person. Please refer to the standard fee schedule for your account for the specific amount of the fee. See our Schedule of Fees and Charges.
  8. FirstNet Bill Pay Program ("Bill Pay")
    1. Enrolling in Bill Pay
      To enroll in the Bill Pay program please follow the appropriate instructions. After enrolling in Bill Pay, you must set up all payees in the system to whom you wish to make payments. By furnishing the Bill Pay program with the names of your payees, you authorize the Bank, its subcontractors or agents to follow the payment instructions that you have entered online for those payees. When payment instructions are received from you, funds will be remitted to the payee for you from the checking account you selected when setting up the payment. However, the Bank, its subcontractors or agents are not obligated to make the payment unless your account has sufficient funds or credit availability to pay the bill on the date you scheduled for payment. In the event payments are processed and your account does not contain sufficient funds for said payment(s), you agree to immediately reimburse the Bank, its subcontractors or agents for the amount of the payment(s). Funds for all bills (whether these payments are made electronically or by check) will be withdrawn from your account per the schedule of the Bill Pay program operator.
    2. Bill Pay Accounts
      In order to participate in the Bill Pay you must have at least one active checking account with the Bank. Payments can be made only from active checking accounts that you have included in your FirstNet profile. Money market accounts, savings accounts, and other account types cannot be used to pay bills.
    3. Making Payments
      Sufficient time must be allowed by you for the payment to reach the payee in order to avoid having the payment arrive late to the payee. To ensure timely payment, you must schedule payments at least six (6) business days prior to the date the payment is due. Since some payments you schedule may be made by paper check and sent via United States mail, it is important that you schedule payments five (5) business days in advance to ensure that the payment can be issued in time to be delivered to the payee via United States mail if necessary.
    4. Canceling or Editing Payments
      This section deals with canceling or editing a payment before payment is originated. Details of placing a stop payment order on a payment already originated are found above in this agreement. You have the right to cancel or edit any pending payments by using the delete or edit feature on the Bill Pay Pending Payments screen.
    5. The First National Bank of Granbury Responsibility
      If the Bank does not properly complete a transaction under the Bill Pay program on time or in the correct amount, we will pay any late fees or finance charges as long as your account was in good standing with the payee prior to the incident. The Bank shall not be responsible for any charges imposed or any other action taken by a payee resulting from a payment that you have not scheduled properly. This includes any applicable finance charges and late fees. We will also not be liable if: There is insufficient funds or credit availability in your designated payment account the payment account is closed or frozen, a legal order directs us to prohibit withdrawals from the payment account, the delay was due to processing delays by the payee, there are delays in postal processing or delivery, or if the payment is lost in the mail, or if the Bank's ATM network or any part of the electronic funds transfer system is not working properly. The Bank will not be liable for indirect, special, or consequential damages arising out of the use of the Bill Pay.
  9. Unauthorized Use of Your Accounts
    Your role is extremely important in the prevention of any wrongful use of your account. You must promptly examine your statement upon receipt. If you find that your records and ours disagree, you must immediately call The Bank's Customer Service department at (817) 573-2655 or e-mail at customerservice@fnbgranbury.com . If you believe another person has improperly obtained your FirstNet Password, you should turn off your computer and contact us immediately. If someone has transferred money from your account without your permission, if you believe someone intends to transfer money from your account without your permission, or if you suspect any fraudulent activity on your account, then contact us immediately. Your account numbers should only be revealed to a legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). However, never reveal your Password to anyone. To notify us, call The First National Bank of Granbury Customer Service at (817) 573-2655 on business days between the hours of 8 AM and 4 PM CST, or write First National Bank, Attn: Customer Service, PO Box 400, Granbury, Texas 76048 or e-mail at customerservice@fnbgranbury.com.
  10. Errors or Questions
    In case of questions or errors concerning FirstNet transfers you should do one of the following: Call The First National Bank of Granbury Customer Service at (817) 573-2655 on business days between the hours of 8 AM and 4 PM CST or write The First National Bank of Granbury, Attn: Customer Service, PO Box 400, Granbury, Texas 76048. To contact Bill Pay Customer Support regarding electronic payments, please dial 866 305 9034.
  11. Related Documents
    Please review our Privacy Policy, Security Agreement, Schedule of Fees & Charges and Disclaimer at your convenience. Each of these documents along with your Account Agreement/Signature Card and Terms and Conditions are related to and incorporated into this user agreement.


If you accept the terms and conditions set forth in this FirstNet User Agreement and its related documents, click "ACCEPT" in the box below. If you do not accept the terms and conditions set forth in this FirstNet User Agreement and its related documents, click "DECLINE" and you will be returned to the Home Page.

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Main Office

101 E. Bridge St.
Granbury, TX 76048

(817) 573-2655
Toll Free (800) 447-1688

FDIC Equal Housing Lender

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