First Northern Bank is committed to your financial security. Unfortunately, fraud and scams are a common occurrence in today's world. We encourage you to be proactive and invite you to periodically visit our security center pages for information on current fraud and identity theft notices affecting our customers. The key to protecting yourself is to stay informed and alert. If you feel you have been a victim of fraud or identity theft, please contact us immediately so that we can work together to find a solution.

Current Security Notices:


May 15, 2018

We're constantly focused on ensuring we are adapting to the future of financial services. In order to better protect our customers, we have begun migrating from our current website address, FNBOFWYO.COM, to our new identity, FIRSTNORTHERN.BANK. The FIRSTNORTHERN.BANK environment provides an increased level of security to our customers and business partners and will be active on May 15, 2018. 

We expect this transition to benefit you, our customers, in the following ways:

  • Easily identifiable website and email address in FIRSTNORTHERN.BANK
  • More trusted and secure online communications and transactions
  • Stronger protection against future cyber-security risks

We are proud to adopt the FIRSTNORTHERN.BANK address for both our website and employee email addresses. This increased value of the .BANK domain enables us to continue building a high-trust environment for our customers that can offer new products and services, and provide a more secure domain to better protect against cyber-crime attacks. For questions about the transition, feel free to contact your local branch

What do I, as a customer, need to do?

We recommend you simply update any records or bookmarks you may have to reflect our new address WWW.FIRSTNORTHERN.BANK. Also, all of our employees' email addresses will have the same prefix format but will now end with FIRSTNORTHERN.BANK. Rest assured, our prior email and website addresses will continue to function normally and will simply redirect to the updated address. 


March 19, 2018

Please be advised that all signature-based debit card transactions originating in Florida, California, Ohio, Texas, New York, Maryland and Tennessee are currently being blocked for your protection. This means you can use your card for purchases in these states using your PIN number, but you cannot process a purchase using your debit card as a "credit" signature-based transaction. This action was required due to excessive fraudulent activity originating in these states. If you plan to travel to one of these states, please contact your local branch to have your account temporarily excluded from the block, if necessary

Be sure to always notify us of any upcoming travel plans to ensure continuous access to your funds. Simply contact your local branch during normal banking hours. For additional tips on managing your finances when you travel, click here.


February 20, 2018

Effective May 11, 2018, new rules under the Bank Secrecy Act will aid the government in the fight against crimes to evade financial measures designed to combat terrorism and other national security threats.

EACH time an account is opened for a covered Legal Entity, we are required to ask you for identifying information (name, address, date of birth, social security number as well as identification documents) for:

  • Each individual that has beneficial ownership (25% or more); and,
  • One individual that has significant managerial control, of the Legal Entity.

If you are opening an account on behalf of a Legal Entity, you will be required to provide the appropriate documentation and to certify that this information is true and accurate to the best of your knowledge. 

We proudly support all efforts to protect and maintain the security of our customers and our country. 


September 14, 2017

Recently, Equifax, one of the three national consumer credit reporting agencies, announced a major data breach. This breach affects approximately 143 million Americans. This is what we know according to Equifax: the data breach occurred May – July 2017,and the information stolen includes consumers’ personally identifiable information, including names, Social Security numbers, dates of birth,addresses and, in some cases, driver’s license numbers. Approximately 209,000 credit card numbers and dispute documents with personally identifiable information for approximately 182,000 consumers were also stolen. There is no evidence of unauthorized access to consumers’ credit reporting databases.

To be clear, First Northern Bank was not compromised and your information was not stolen from our bank. However, First Northern Bank takes the security of our customer information very seriously, and we are providing you with the information we know about this massive breach and the steps you can take to protect your personally identifiable information if you so desire. Following this unprecedented breach, we are also asking our customers to be extra vigilant and report any suspicious activity in your First Northern Bank accounts to us by calling (800)766-3641 or contacting your local branch.

Equifax has established a website that informs consumers if they may be affected by the breach, provides additional information on the breach, and offers complimentary identity theft protection and credit file monitoring. This information is available at protect your identity and personal information, we strongly encourages our customers to take the actions noted below.

  • Review your account statements to spot any suspicious transactions. You can also monitor your account activity online at any time through our online banking service.
  •  If you spot any suspicious transactions, please contact us immediately at (800) 766-3641 or reach out to your local branch.
  • Review your credit reports for accuracy. Call any one of the three credit reporting agencies to receive your free annual credit report or visit

Experian® | P.O. Box 9554 | Allen, TX 75013 | (888) 397-3742 |

TransUnion® | P.O. Box 2000 | Chester, PA 19016 | (800) 680-7289 | 

Equifax® | P.O. Box 740241 | Atlanta, GA 30374 | (800) 349-5191 | 

  • You should also contact the credit reporting agencies to notify them of any suspected fraud or identity theft.
If you believe you are the victim of identity theft, contact your local law enforcement office and/or your state attorney general. Finally, you may also want to consider reviewing information about recovering from identity theft, which is available from the Federal Trade Commission (FTC)at or by calling 1-877-IDTHEFT (1-877-438-4338). The FTC also offers general information to protect your online presence at

Equifax has established a dedicated toll-free number to answer questions you may have about the Equifax data breach and its effect on your personally identifiable information. You may call them at 866-447-7559.

What to do if Your Card is Lost or stolen:

If your CREDIT CARD is lost or stolen, contact the bank immediately at:

If your DEBIT or ATM CARD is lost or stolen, contact the bank immediately at:

How to Protect Against Identity Theft:

Your best protection against identity theft is to stay informed and consistently monitor your financial situation. Fortunately, there are steps you can take to minimize the risk that you become a victim of identity theft.

  • Each year, request a free credit report from the three credit reporting companies here or by calling (877) 322-8228. Please keep in mind that some companies claiming to offer free credit reports may charge additional fees for this service.
  • Close accounts and cancel cards you no longer use (keep in mind this may affect your credit score).
  • Carefully review all statements provided to you by First Northern Bank and any other financial institutions you have accounts with. Report any unauthorized or suspicious activity immediately.
  • Never simply throw away sensitive financial documents. Shred all statements and any information with personal or sensitive information.
  • Never give out personal or account information over the phone, through email or over the internet to unsolicited sources.
  • Keep all financial documents, records, Social Security cards and other sensitive information in a safe, secure place.
  • Make copies or a list of the contents of your wallet in the event that it is lost or stolen.
  • View more information on identify theft by visiting the FDIC website.

What If You Are a Victim of Identity Theft?

  • Report incidents of identity theft to the FTC here, or the FTC identity Theft hotline at (877) 438-4338.
  • File a report with the local police.
  • Contact the IRS and file Form 14039, Identity Theft Affidavit (or provide a copy of the police report).
  • Contact the fraud departments of the three major credit bureaus: Equifax at (800) 525-6285, Experian at (888) 397-3742, and TransUnion at (800) 680-7289.
  • Close any accounts that have been tampered with or opened fraudulently.

FFIEC Guidance - Important Information about Account Authentication & Online Banking:

If you use online or mobile banking, you will be interested to learn that six federal financial industry regulators teamed up to make your accounts more secure. Supervisory guidance from the Federal Financial Institutions Examination Council (FFIEC) is designed to make online transactions of virtually all types safer and more secure. 

  • To view information regarding consumer accounts, click here.
  • To view information regarding business accounts, click here.