Online Users:  Click on the Account Login button on our home page to get started.

Mobile App Users:  You will be automatically prompted to download the new fnbsi app from the or .

All Users:  

• Enter your existing Username and Password to sign in.
• Enter your email address and a phone number where you can receive a text or phone call to obtain a verification code.
• Select how you would like to receive your verification code from one of three options.
• Enter the 7-digit verification code received and click Verify.
• Review the User Agreement and click Accept.
• You will be taken to your new Dashboard to begin your new online banking experience!

If I have multiple Online Banking accounts will I have to log in to each account with the usernames and passwords for each account separately?

With our new mobile app, you can sign into multiple user profiles and quickly switch between them using a PIN instead of entering a username and password. If you add more profiles to your mobile app, you will need to set up two-factor authentication (2FA) for each of them.

How do I add additional login profiles to my mobile app?

• From the top of the menu bar press the person icon next to your profile name.
• Select Add profile.
• Sign in to the second profile.
• If prompted, answer the security question. If not, continue to the next step.
• If prompted, complete the profile information in the form, and then select Done.
• Enter a PIN for the new profile.
• Confirm the PIN for the new profile.

How do I switch between profiles on my mobile app?

• From the top of the menu bar press the switch icon next to your profile name.
• Select the profile you wish to log into.
• Enter the PIN or use the fingerprint authentication if prompted.

 

What browsers are supported?

We recommend downloading the current version of Google Chrome, Microsoft Edge, Firefox, or Safari*. 

Microsoft Internet Explorer is not a supported browser and you may be denied access to the platform. 

 

To download the latest browsers, click the links below:

Google Chrome:  https://www.google.com/chrome

Firefox:  https://www.firefox.com

Microsoft Edge:  https://www.microsoft.com/en-us/edge

*Safari is not available for Windows access. To find out more information, visit: https://support.apple.com/en-us/HT204416

Two-factor authentication is a security feature that helps safeguard your account information. To implement 2FA, you will need to enroll an email address and a phone number (mobile or landline). Once this information is entered, you’ll choose one of three options to receive a one-time verification code: 1. Text message to the mobile phone entered, 2. Automated phone call to phone number entered, or 3. Authenticator App (download the Authy app here).

After entering the verification code, if you are logging in from a secure computer, you have the option to select “Don’t ask for code again on this computer.” This allows you to avoid having to enter a verification code during each login. This option should never be selected on a shared or public computer.

How does the phone call verification process work?

If you select to receive a phone call (cell phone or landline), you will enter a single specific digit, as directed, before the verification code is provided.

If you do not answer the phone call, please note that a second call will not be made automatically and the system will not leave codes on voicemail. Therefore, if you do not answer the authentication phone call, you will need to select the option to have the code re-sent. (Note: The “from” phone number may be listed as coming from anywhere in the US)

 

What should I do if I did not receive a verification code to continue with the two-factor authentication enrollment?

Please be sure the phone number you entered is correct. If it needs to be changed, contact our Customer Service at (877) 372-9029.

 

How much time do I have to enter the verification code?

Codes are valid for three to six minutes and will expire after that time.

 

Can I lock myself out from entering an incorrect verification code?

Yes, you can get locked out of the enrollment process if too many attempts are made with an incorrect verification code (more than six times in a single hour). There is no manual reset for this; you will need to wait an hour to try again following your first attempt. If you make more than 20 unsuccessful attempts in a 24-hour period, your login will be 'Suspended' and you will not be able to attempt again for 24 hours. If you have questions or need additional assistance, please contact Customer Service at (877) 372-9029.

 

If I selected “Remember this computer,” why am I being asked for a verification code each time I log in?

There are several reasons you may be prompted for a verification code :

• if you log in on different browsers
• if you deleted your browser history
• if you have your browser settings set to delete your cookies and history automatically

 

Can I receive the two-factor authentication verification code via email?

No, this option is not available. The code can be received using one of the following options:

• Text message
• Phone call
• Authy App (A third-party app that generates a one-time passcode. To register you will need an email address and phone number.)

 

How can I reset my two-factor authentication enrollment?

You can reset your own two-factor authentication enrollment in both the app and online by going to your Profile page, then select ‘Security’ within the ‘Settings’ area.

After successfully signing in, the first screen you see is your “Dashboard.” A list of your accounts is presented at the top. To view all accounts on one screen, select “View All.” Beneath your account listing, Quick Actions are presented (Transfer, Pay, Deposit, Message). Under the Quick Action icons you will find Transactions, Payments, Transfers, Card Management, etc.

Can I reorganize my dashboard?

Yes, at the bottom of the dashboard, click “Organize dashboard” to drag and drop, delete or add information.

 

The dashboard activity displays transactions from all my accounts. How can I find account-specific information?

Simply click “Transaction” for the specific account you want to review.

How do I set up an account alert?

Select the account you would like to add an alert to and then select “Alert preferences.” You may set up balance or transaction alerts based on low or high thresholds. You may choose to receive alerts by email, text or within the app.

 

Why are transactions labeled as pending?

Transactions appear as pending until they are completely processed.

 

Can I view my statements?

Yes. To view your statements, choose the account you’d like to review and select “Documents.” If you are currently not signed up to receive statements, you have the option to enroll at the top of the screen.

How do I transfer money between my accounts?

Select the Transfer icon. Then choose the account you want to transfer From and To. Eligible internal and external accounts will be listed. Internal transfers completed after 10:30 pm will be processed on the next business day.

 

What are the cutoff times for transfers?

The cutoff time for transferring funds between First National Bank of St. Ignace accounts is 10:30 p.m. for each business day. External, or Bank-to-Bank, transfer cutoff time is 7:00 p.m. each business day.

 

Can I add a memo line to a transfer?

A memo line can be added to an immediate transfer. It cannot be added to recurring or future-dated transfers.

 

Why am I unable to add a memo to recurring or future-dated transfers?

Memos are not an option for recurring or future-dated transfers; however, you can add a “tag” to transactions that will appear after the transfer posts to your account.

 

Can I make a person-to-person transfer?

Yes. The recipient’s phone number and e-mail address are required. On your desktop, select “Pay a person” from the Payments box, or select the “+” at the top of the “Payments” box from your mobile app and then choose “Add a person.” You must then select a Keyword that you will share with that person. After submitting the information, confirm your password to continue the process. After sharing the keyword with your payee, they must then activate their account so you can send payments. You will receive an e-mail notification when the payee has activated their account.

 

Will I be able to delete transfers once they have been submitted?

No, internal and external transfers cannot be deleted once submitted. If a transfer was submitted mistakenly, a new transfer will need to be set up to move the funds back.

 

How do I make a loan payment?

Select the Transfer icon and choose the checking or savings account you want to make your payment from. Then select your loan account to transfer to. To schedule a recurring payment, select “More Options” to schedule frequency and date. Transfers completed after 10:30 pm will be processed on the next business day.

 

Can I set up automated loan payments?

To schedule a recurring payment or a future-dated payment, select “More Options” to schedule frequency and date.

Under Card Management on your Dashboard, you will have more access and control for your First National Bank of St. Ignace debit card:

• Turn your card on or off
  
• Add and remove travel notices
• Activate a new card

Can I lock my debit card from being used for a period of time?

Yes. Within Card Management, simply select the card you want to lock and toggle the switch. Transactions will be denied, but recurring payments may continue. Any credits or deposits to the card will also be allowed.

Are there device requirements to access the mobile app?

Yes, the mobile app is compatible with iPhone and iPad devices running iOS version 11 or newer, and Android phones and tablets with version 5.0 or newer. Devices must have access to the internet.

 

How much does the FNBSI mobile app cost?

There are no fees to download and use the fnbsi mobile app; however, connectivity and usage rates may apply. Contact your wireless service provider for more details.

 

Do I use the same user ID and password for the mobile app as I would for online banking?

Yes, you will use the same user ID and password that you use to log into online banking.

 

If I forgot my password, can I reset it within the app?

Yes, you can easily reset your login credentials by clicking on the ‘Forgot?’ link on the mobile app.

 

How do I sign out of the mobile app?

You will automatically be signed out once the swipe or close the app. Each time you access your app, you will be required to enter your passcode, use your fingerprint or utilize the facial recognition feature in order to log in again.

 

Can I pay bills or a person in the app?

Yes, you can easily add payees, edit payees, and submit payments using the app.

 

Is there a fee to use mobile deposit?

No, mobile deposit within the fnbsi app is free.

 

Are there any limitations with using mobile deposit?

Yes, there are daily and monthly limitations to the number and dollar amounts that can be deposited through a mobile device. Contact Customer Service at (877) 372-9029 for specific details.

I don’t see a bill pay option on my Dashboard. How do I access my business bill pay?

To access business bill pay, click on the ‘Cash Management’ tab in the menu option. From there you’ll see the ‘Bill Pay’ tab to process payments. Simply click on the ‘Dashboard’ tab to go back to viewing account balances and transaction information.

 

How do I manage my users?

To manage users, click on the ‘Cash Management’ tab in the menu option. From there you’ll see the screens to manage your users. Simply click on the ‘Dashboard’ tab to go back to viewing account balances and transaction information.

 

How do I initiate an ACH template?

There is a feature in the menu options titled ‘Approve ACH’ to initiate an existing ACH batch that does not require changes to the dollar amount of the batch. Should you need to make changes to the dollar amounts, click on the ‘Cash Management’ tab in the menu option. From there you’ll see the screens to initiate and manage your ACH transactions. Simply click on the ‘Dashboard’ tab to go back to viewing account balances and transaction information.

 

How do I upload a positive pay file and decision positive pay exception items?

To access positive pay functions, click on the ‘Cash Management’ tab in the menu option. From there you’ll see the screens to manage positive pay. Simply click on the ‘Dashboard’ tab to go back to viewing account balances and transaction information.

FNBSI Sample First-Time Login Guide