Fee Schedule

The Fayette County National Bank of Fayetteville

Financial Services Pricing Guide

Effective Date:  April 1, 2024

The following fees may be assessed against your account, if any apply:

*All service and item fees may be subject to applicable state sales tax.

FDIC: Electronic Deposit Insurance Estimator (EDIE)

EDIE is an interactive application that can help you learn about deposit insurance. It allows you to calculate the insurance coverage of your accounts at each FDIC-insured institution.  EDIE lets consumers and bankers know, on a per-bank basis, how the insurance rules and limits apply to a depositor’s specific group of deposit accounts—what’s insured and what portion (if any) exceeds coverage limits at that bank. EDIE also allows the user to print the report for their records.  Click here or click the FDIC link above to use the easy interactive calculator.

Enjoy all the protection and monitoring of your FCNB debit card with the added convenience of not having to carry the physical card with you for in-store or online purchases.

You can securely store a digital version of your FCNB debit card on your smartphone to allow secure, contactless payment at retail businesses like convenience stores, groceries, gas stations, and more.  Your digital wallet can even get cash at ATMs.  Using a digital card provides extra protection for your finances by encrypting each transaction, while also protecting your health by allowing you to avoid touching your card, or typing in your PIN.

Pay wherever you see the universal contactless pay symbol without exposing your card information to onlookers or your card to others’ hands. Your digital FCNB debit card stores safely inside your phone requiring your passcode or biometric key for access.

To learn more about the mobile wallet app on your device, including how to add your card or make a purchase, click on one of the links below:

About Apple Pay               Google Pay          About Samsung Pay

Are digital wallets safe?  Yes, digital wallets use security features that are built into your device to protect your payment transactions.  Each time you use your digital FCNB debit card, you will be required to authenticate yourself before the transaction can be processed.  Depending on your device type and setup, the authentication step may be completed using your fingerprint, facial recognition, passcode or PIN.  The digital wallet providers do not store or have access to your full account number as they are only provided a unique one-time passcode, known as a token, to provide to the merchant to complete the transaction.  Only the last four digits of your card number is displayed on the card image within the wallet to help you manage your card(s).  For detailed information on the security features enabled your specific digital wallet provider, please click on the links below to visit their website:

Apple Pay Security           Google Pay Security        Samsung Pay Security

Apple, the Apple logo and Apple Pay have registered trademarks of Apple Inc.

Google Pay, Google Play, and the Google Pay logo are trademarks of Google LLC.

Samsung Pay and the Samsung Pay logo are trademarks of Samsung Electronics Co., Ltd.

Business Fraud & Security

Keeping Your Company Information Secure

Are you taking steps to protect your customer’s and your personal information? Safeguarding sensitive data in your files and on your computers is good business. After all, if that information falls into the wrong hands, it can lead to fraud or identity theft. A sound data security plan is built on five key principles:

• Know your Business. Know what customer/personal information you have on your computers and in your files.
• Down size. Keep only what you need for your business.
• Secure it. Protect the information in your business and on an as need to know basis.
• Destroy it. Properly dispose of what you no longer need.
• Be Ready. Create a plan for your business to respond to security incidents.

To learn more about how you can implement these principles in your business. Click on the links for informative and practical steps your business can take to protect customer/personal information. We hope you’ll take advantage of the other resources to educate your employees and customers. This information is provided by the Federal Trade Commission, Bureau of Consumer Protection.

Know Your Business

Know what personal identifying information you have in your files and on your computers.

• Inventory all storage devices and electronic equipment where you store files. Where does your company store sensitive data?
• Talk with your employees and outside service providers/vendors to determine who sends personal identifying  information to your business, and how it is sent.
• Consider all the ways you collect personal identifying information from customers, and what kind of information you collect.
• Review where you keep the personal identifying information you collect, and who has access to it.

Down Size – Keep only what you need for your business.

• Use Social Security numbers only for required and lawful purposes. Don’t use SSNs as identifiers or for customer locators.
• Keep customer credit card information only if you have a business need for it, and ensure stored information is in accordance with Payment Card Industry Data Security Standards (PCI-DSS).
• Review the forms you use to gather information on potential customers – and revise them to eliminate requests for information you don’t need.
• Change the default settings on your network and software that reads customers’ personal identifying information. Don’t keep information you don’t need.
• Truncate all account information on credit and debit card receipts for your customers. You should not include any more than the last five digits of the card number, and delete all information not needed for the transaction.
• Have a records retention policy, especially for the information you must keep for business reasons or to comply with the law or regulations.

Secure It – Protect the information that you keep.

• Put documents and other materials containing personally identifiable information in a secure area locked in file cabinets or storage vaults.
• Remind employees to put files away, log off their computers, and lock file cabinets and office doors when they leave their work areas.
• Implement appropriate access controls for your business.
• Encrypt sensitive and personal identifying information if you must send it over the internet/intranet.
• Regularly run updates for anti-virus and anti-spyware programs on individual computers and all servers.
• Require employees to use complex passwords.
• Caution employees against transmitting sensitive or personal identifying information regular via e-mail.
• Have security policies for all electronic devices including laptops used both within your office, and while traveling.
• Use a firewall to protect your computers and your network.
• Set “access controls” to allow only trusted employees with a legitimate business purpose to access the network.
• Monitor all internet traffic for signs of security anomalies for breaches.
• Check references and do background checks before hiring employees who will have access to sensitive or collect personal identifying information and storage data.
• Create procedures to ensure workers who leave your business no longer have computer access or physical access to sensitive information.
• Educate employees about how to avoid phishing and vishing device/phone scams.

Destroy It – Properly dispose of what you no longer need.

• Have and enforce information disposal practices.
• Dispose of personal identifying information and paper records by shredding, or burning them.
• Encouraging your staff to separate sensitive business data trash from waste material to stop dumpster divers.
• Make shredders or shred bins available throughout your business, including next to the printers/photocopiers.
• Use “Hard Drive Eraser Software” to destroy old computers and copiers hard drives and portable storage devices.
• Train employees who travel or work from home to properly destroy sensitive or collect personal identifying documents, old computers, and portable devices.

Be Ready – Create a plan for responding to security incidents.

• Have a plan to respond to security problems, and designate a team led by a senior staff person.
• Practice what if scenarios for your business and how to respond to different kinds of security incidents.
• Investigate security incidents immediately.
• Create a list of who to notify – inside and outside your business – in the event of a security breach.
• Immediately disconnect a hacked/compromised computer from your network or the internet.

Fraud Advisory for Businesses: Corporate Account Take Over (CATO)

Cyber criminals are targeting the financial accounts of owners and employees of small and medium sized businesses, resulting in significant business disruption and substantial monetary losses due to fraudulent transfers from these accounts.

Cyber criminals employ various technological and non-technological methods to manipulate or trick victims into divulging personal or account information. Such techniques may include performing an action such as opening an email attachment, accepting a fake friend request on a social networking site, or visiting a legitimate, yet compromised, website that installs malware on your computer(s).

The cyber criminal’s goal is to get the employee to open the infected attachments or click on the link contained in the email and visit the nefarious website where hidden malware is often downloaded to the employee’s computer. This malware allows the fraudster to “see” and track employee’s activities across the business’ internal network and on the Internet. This tracking may include visits to your financial institution and use of your online banking credentials used to access accounts (account information, log in, and passwords). Using this information, the fraudster can conduct unauthorized transactions that appear to be a legitimate transaction conducted by the company or employee.

Good Practices to insure your information is secure for CATO

Corporate Account Takeover (CATO) is the fast-growing electronic crime where thieves typically use some form of malware to obtain login credentials to online banking accounts and then fraudulently transfer funds from those accounts. The attacks are usually undetected for some period of time. Malware introduced into your network/systems may be undetected for weeks or months. Account transfers using stolen credentials may happen at any time and go unnoticed for days.

The good news is, if you follow sound business practices, you may be able to protect your business:

• Use Layered System Security: Create layers of firewalls, anti-malware software and encryption. One layer of security might not be enough. Install a defense in depth approach with robust anti-malware programs on every network, workstation, laptop and update them regularly.
• Manage online banking accounts with a single, dedicated computer: If possible, use a separate computer exclusively for online banking and cash management. This computer should not be connected to your business network, should receive only secure or encrypted email, AND not to retrieve any public email messages, and should not be used for any online purpose except banking.
• Educate your employees about cybercrimes. Make sure your employees understand that just one infected computer can lead to a CATO incident – an account takeover.  Make them very conscious of the risk, and teach them to ask the question: “Does this email or phone call make sense; Am I accepting this from a customer or vendor?” before they open attachments or provide information.
• Block access to unnecessary or high-risk websites. Prevent access to any website that features adult entertainment, gaming, social networking and personal email. All such sites can inject files into your network.  Do not allow shopping or downloads from websites on your business computer.
• Establish separate user accounts for every employee accessing sensitive company information. Limit administrative rights! Many malware programs require administrative rights to the workstation and network in order to steal credentials. If your user permissions for online banking include administrative rights, don’t use those credentials for day-to-day processing.
• Review or reconcile accounts online daily. The sooner you find and notify the bank of suspicious transactions, the sooner the theft can be investigated.

Protect yourself against fraudulent transactions

Important! Review your accounts daily on online. 
If you find an unauthorized electronic transaction, you have 24 hours to report it to the bank in order to limit the amount for which you are liable. If you wait more than 24 hours you become liable for the unauthorized transactions. So review your accounts daily and report any suspicious activity immediately. Some transactions may be disputed within 60 days. Always review your statements from the bank every month and report any suspicious activity immediately.

The security of your money and identity is as important to us as it is to you. Let’s work together to protect it.

The most important step in using a smartphone or tablet for your business is treating your company mobile devices like portable computers.

These common precautions will help protect you from fraud and theft:

• Set the phone to require a passcode to power on the handset or awake it from sleep mode. If it’s lost or stolen, any confidential information stored on the device will be more difficult to access.
• Whether you’re using the mobile Web or a mobile App, don’t let it automatically log you in to company bank accounts. Otherwise, if your phone is lost or stolen, someone will have free access to your accounts and your money.
• Don’t save your passcode, account number, PIN, answers to secret questions or other such information on the mobile devices.
• Immediately tell the bank and mobile operator if you lose your phone. The sooner you report the loss, the better protected you are from fraudulent transactions.
• Download and install antivirus software for your mobile device, according to the manufacturer’s recommendations.
• Be careful when downloading Apps. Downloads should always be from a trusted and approved source.
• Avoid “free offers” and “free ringtones.” An email or instant message that offers free software downloads, such as ringtones, may contain viruses or malware.
• Be cautious of emails or text messages from unknown sources asking you to update, or confirm your personal identifying information including passcode/password and account information. Don’t reply to text messages from people or places that you do not know.
• Treat your mobile device as carefully as you would your wallet, cash or credit cards.
• Keep track of account transactions. Review your online bank account daily, statements monthly and as regularly as possible to rule out the chances of fraudulent transactions. If you notice discrepancies, contact Fayette County National Bank immediately.
• Only use Wi-Fi on your device when connected to password protected hotspots. Turn off Wi-Fi when you are away from your network or a trusted network/hotspot. Turn-off any auto-connect features. They might cause your phone to log into insecure wireless networks without your knowledge.
• Make sure you log out of social networking sites and online banking when you’ve finished using them.
• Install operating system updates for your device as they become available – they often include security updates.
• Before you upgrade or recycle your device, delete all personal identifying information and business information.

Social Engineering

“Social Engineering” is any method of theft that manipulates human nature in order to gain access to your online accounts. No business is immune to the risks of Social Engineering attacks, and thieves will go to great lengths to lower your guard. Here are a few ways you can protect yourself from thieves using Social Engineering techniques:

• Don’t allow unfamiliar visitors into any area with network access. Thieves often pose as vendors, service providers or even firefighters conducting an inspection, in order to gain physical access to your network. It only takes a few seconds for them to plug in a thumb/USB drive that installs keystroke logging software. Legitimate technicians or officers will have I.D. beyond a logo shirt or uniform to back up their claim, and should be verified independently.
• Be cautious about letting visitors use a workstation or plug into your network. A request to “check my email” or “download that sales brochure” might seem innocent enough. But, this is a favorite tactic of Social Engineers to gain access to your network and leave monitoring software or hardware behind.
• Control access to your facility. Whatever type of business you have, there should be barriers between public and private back office areas. Doors leading into back offices from public areas should be locked. Doors to outdoor smoking areas should be locked. Visitors to back office areas should always be accompanied by a trusted employee.
• Don’t assume that an unsolicited phone call or email is actually from a trusted source. Thieves can research your business relationships or your online social information, and then pose as a business partner, vendor or colleague you trust. They can pose as another department or company employee needing your personal help. Again, verify before providing any confidential or personal identifying information.
• Remember, unexpected email attachments should be treated with great caution. Common and popular files like PDFs, JPGs, ZIP files and spreadsheets can provide a platform for installing viruses or keystroke-logging malware on your computer or business network. If you are not certain the file came from a legitimate business, or person, don’t open it without verifying. Call them and ask if they sent an email with an attachment.
• Verify, verify, verify. If you receive a phone call, email, or text claiming there is a problem with a bank account, debit/credit card account or any other network or related account, hang up the phone or delete the email or text and check those accounts directly from your information.

The best way to avoid Social Engineering schemes is to be cautious about any unknown visitor, and any request for money, passcodes/passwords, account numbers or other confidential or personal identifying information – no matter who or where it seems to be coming from.

*This material is for information purposes only.  Before acting on any ideas presented in this information (security, legal, and/or technical) you should independently evaluate by considering all the risks and the unique factual circumstances surrounding your business. No computer system can provide absolute security under all conditions.

Elder Financial Abuse

What is Elder Financial abuse?

Elder financial abuse is a crime that can rob older adults of their resources and independence.

If you see signs of theft, fraud, or misuse concerning a person’s assets or credit, or observe someone projecting a controlling influence over an older person’s money or property, be on alert. These are all signs of exploitation.

The elderly often rely on others for help. This makes them more susceptible to scams and fraud. As well, technology creates additional challenges and difficulties for seniors.

Here are some ways to safeguard personal information and be aware of the warning signs:

Tips for Seniors:

How to protect yourself?

• Make plans for asset protection by taking with someone at your financial institution, a financial advisor or an attorney.
• Always shred important documents such as receipts, bank statements or credit card offers before disposal.
• Choose carefully those who will act as your agent concerning estate-planning matters.
• Lock up sensitive information such as checkbooks, account statements, social security cards, etc.
• View your credit report annually to ensure accuracy.
• Never give out personal information like social security or account numbers over the phone unless you initiated the call and are sure the other party is a trusted source.
• Never pay a fee for lottery or sweepstakes “winnings.”
• Do not rush into financial decisions. Get everything in writing and get a second opinion.
• If you don’t understand a document, do not sign it before consulting a financial advisor or attorney.
• Always check references before hiring someone and don’t allow workers access to your financial information.
• Don’t be afraid to say “No.” It is your money and your right.
• Keep a transaction paper trail by paying with checks or credit cards instead of cash.
• Build a relationship with your bank and the people who handle your finances.
• Exploiters and abusers are crafty. If you feel pressured or threatened, call your local Adult Protective Services or tell someone at your bank, church or doctor.
• Don’t be fooled…if it seems too good to be true, it probably is.

Tips for Family and Friends

What to look for?

• Unusual financial activity like large or frequent unexplained withdrawals.
• Use of an ATM or debit card when they have never used one before.
• An older person being accompanied by a “helper” that is unfamiliar.
• Unusual non-sufficient fund activity or unpaid bills.
• Attempts to wire large sums of money.
• A display of confusion, lack of awareness or fear.
• Suspicious signatures on checks or forgery.
• Unexplainable transfer activity on accounts.
• Checks written as “loans” or “gifts.”
• Altered wills or trusts.
• Caretakers, relatives or friends trying to conduct financial transactions for the person without proper documentation.

What to do?

• Be observant and talk with elderly friends or loved ones to determine if such signs exist.
• Report suspected financial elderly abuse to their financial institution to prevent further occurrences.
• Contact your local Adult Protective Services for help.
• Report it to the police.

Remember…

Never give your Social Security number, account number or any other personal information over the phone unless you initiated the call.

Kids and Money

How to talk to your kids about money:

How soon is too soon to talk to your kids or grandkids about money?

If they are old enough to ask for a toy or a bike, they are old enough to start learning financial lessons that will last a lifetime.

The best financial lessons are part of everyday experience. Look for opportunities to talk about money, read books aloud and play games that center around spending money wisely. Be open and honest when you discuss your financial experiences — good or bad.

Here are some examples of teachable moments to help you get started:

At the Bank

• When you go to the bank, bring your children with you and show them how transactions work.
• Explain how a checking and savings account works.

On Payday

• Discuss how your pay is budgeted to pay for housing, food and clothing.
• Discuss how a portion is saved for future expenses such as college tuition and/or retirement.

At the Grocery Store

• Give clear examples of ‘needs’ and ‘wants’ using different kinds of foods.
• For example, milk (for strong bones) is a need; whereas soft drinks are a want.
• Explain the benefits of comparison shopping, coupons, and store brands.

Chores & Allowances

• Assign chores and give them monetary value.
• Discuss ways to budget and divide allowances.
• Encourage children to set a financial goal, such as saving for a bike or video game, and figure out how to achieve it.

Paying Bills

• Explain the many ways that bills can be paid: over the phone, by check, or through online banking.
• Discuss how each method of bill pay takes money out of your account.
• Be sure to cover late penalties for paying late, emphasizing the importance of paying on time.

Using Credit Cards

• Explain that credit cards are a loan and need to be repaid.
• Share how each month a credit card statement comes either by mail or electronically with a bill.
• Discuss how interest is charged in association with credit cards.

Browsing the Internet

• When online, explain to your children how valuable their personal information and privacy is to you, to them and to online predators.
• Discuss the risks and benefits of sharing certain information.
• Discuss the need for antivirus software protection and how viruses, spyware, or malware can infect and compromise your computer, tablet or smart phone.
• As a family, make a list of rules for keeping personal information safe online.

Planning a Vacation

• Whether you are planning an outing to a local amusement park or a once-in-a-lifetime trip, emphasize the value of saving as a family.
• Set a family savings goal that involves your children. Figure out the cost and discuss ways everyone can help to reach the goal.

Helpful Links

Local Links:

City of Oak Hill

Town of Fayetteville

Town of Ansted

Fayette County Chamber of Commerce

New River Gorge

Financial Services:

Personal Check Reorder

Business Check Reorder

Free Credit Report

IRS

Social Security

Kelly Blue Book

FDIC

NADA

Savings Bonds

WV Unclaimed Property

Disclosures

Privacy

At Fayette County National Bank, the security of customer information is our highest priority. View our privacy policies for information on how we protect your account information.

• Privacy Policy
• Internet Privacy Policy

Terms of Use

Unauthorized use of Fayette County National Bank’s website and systems including but not limited to unauthorized entry into our Internet banking system, internal network, misuse of passwords, or misuse of any information posted on our website is strictly prohibited.

• Terms of Use 

Electronic Funds Transfers

The Electronic Funds Transfer Act protects consumers engaging in electronic funds transfers. The regulation establishes the rights, liabilities, & responsibilities of consumers who use electronic funds transfer services.

• Electronic Funds Transfers

Correction of Errors

The Bank may rely upon the information you provide on your deposit slip when initially processing your deposit. Therefore, you have a duty to accurately record cash, each item being deposited, and the total amount of your deposit on your deposit slip. We may provide a receipt, but the amount of your deposit receipt may be based initially on the deposit slip you complete.

All deposits are subject to verification by the bank. Final credit to your account is based on the total sum of the cash and checks actually received by the Bank. If an error in your deposit is later detected, it will be corrected. You will be sent a notice of any adjustment we make to your deposit on the business day of your deposit. The amount of your deposit (including any adjustment) will appear on your account statement.

We may also adjust your account based on notification of error received from other financial institutions for checks in your deposit up to one year from the date of the deposit.

You are required to review your bank statement and report any errors within thirty (30) days from the statement date. Your statement will be deemed final and correct on the thirtieth (30th) day from the date of the statement unless the transaction is an electronic funds transfer error which would be covered under our Electronic Funds Transfer Disclosure.