Our FAQ page provides instant access to frequently asked questions. This is your one-stop guide to the answers to your questions about our products and services and numbers you need now.
Bank Account and Transaction Questions
What forms of identification and information do I need to open a new account?
You will need the following information:
- First name, middle initial and last name
- Social security number
- Date of birth
- Mailing and physical address
- Home telephone number
- Employer
- Two forms of identification, one must include photo (i.e. drivers license, state ID, passport)
- US citizen (yes/no), and if not, country of citizenship
For business accounts, you will need the previous information for each authorized user on the account(s) in addition to the following:
- EIN Number of the business/entity
- Incorporating documents (as applicable)
Can First Northern Bank of Wyoming count my coins?
Yes, coin counting is free to our customers and a nominal fee is charged for non-customers.
Are there any discounts available for students or seniors?
Yes, First Northern Bank of Wyoming provides free checking accounts to current students and customers over the age of 55. Contact our account representatives or visit our Personal Checking page for further details.
My account has an unauthorized monthly/one-time charge from a merchant that I just noticed. What should I do?
Notify First Northern Bank of Wyoming immediately. Have the date and dollar amount of transaction available when you contact us. We will review your claim and have you fill out an affidavit of unauthorized use. You must notify the bank within 60 calendar days of the bank sending you a statement in order to avoid liability for subsequent transfers.
A vendor continues to make an automatic withdrawal from my checking account even though I've canceled the service. What can I do?
You can attempt to contact the vendor directly or you can contact us and we will review your claim and have you fill out an affidavit of unauthorized use.
Can the Bank place a stop payment on an electronic funds transfer (EFT)?
Yes. To do this, we must be notified at least three business days before the transfer is scheduled to be made. We may require written confirmation of this request within 14 days.
Money was wired to me, but it isn't in my account. What can I do?
Please contact the party that wired the funds to you. Ask them to notify their bank that the funds were not received.
Money was wired from my account to another party, but that party did not receive the money. What can I do?
Notify us immediately so that we may investigate your claim. You may contact us by phone, but we may require a written follow up.
What is FDIC deposit insurance?
FDIC stands for Federal Deposit Insurance Corporation, which is an independent agency of the U.S. government that protects funds deposited in Banks. FDIC insurance is backed by the full faith and credit of the United States government.
FDIC insurance covers all deposit accounts at First Northern Bank of Wyoming, including checking and savings accounts, money market deposit accounts and certificate of deposits (CDs).
However, there are FDIC limitations to the amount of funds that are insured. The limit of FDIC coverage you can obtain is calculated on account ownership. Contact one of our new account representatives, or visit the Deposit Insurance section of the FDIC's website for more details.
Debit and Credit Cards | What is the difference between debit cards and credit cards?
Our debit cards can be used everywhere VISA credit cards are accepted. The major difference is where the cards get the money. A debit card takes it from your account at First Northern Bank of Wyoming, whereas a credit card charges it against your available line of credit that you have been approved for that you repay on a monthly basis.
How do I get a credit card?
Applicants must apply with one of our bank representatives. We will issue you a card through First Northern Bank of Wyoming if approved.
Does First Northern Bank of Wyoming offer merchant accounts?
Yes we do offer merchant accounts. We'd like to invite you to contact one of our representatives for further details. We can offer a free price comparison to see if our service can save your business money.
Where can I use my ATM/debit card?
Your card can be used at virtually any ATM across the country and worldwide. However, keep in mind that if you don't use one of First Northern Bank's ATMs, some fees may apply. Additionally, your debit card may be used anywhere VISA credit cards are accepted.
Do any of First Northern Bank's accounts include a debit card with no monthly service fee?
Yes, all of our checking accounts include a debit card at no additional charge.
My ATM/debit card has been lost or stolen. What should I do?
You should notify First Northern Bank as soon as possible, preferably within two business days, to limit liability to you. During non-business hours, call (888) 833-3455.
Convenience Services | Does First Northern Bank of Wyoming provide online banking?
Yes, First Northern Bank provides secure, convenient, online banking and mobile banking with free bill paying, transfers, check images and account history, in addition to many other useful services. Contact our account representatives for further details or click here to learn more.
Identity Theft and Fraud | I believe I have been a victim of identity theft. What should I do?
As soon as possible, contact the fraud department of any one of the three major credit bureaus to place a fraud alert on your credit file. Close the accounts that you believe have been tampered with. File a police report and retain a copy to submit to your creditors and others who may require proof. Finally, file your complaint with the Federal Trade Commission by calling toll-free 1-877-ID-THEFT.
Additionally, notify us immediately to flag your account as compromised.
A company sent me a check that supposedly was for lottery winnings or some other payment. The company told me to cash the check and return some of the money to cover processing fees. What should I do?
DO NOT cash the check. If you do, you may be responsible for the entire amount of the fraudulent check. Never accept a check from someone you don't know and never respond to any offer that asks you to pay for a prize or a gift. If you think you have been targeted by a scam, you should file a complaint with the Federal Trade Commission (FTC) by calling toll free 1-877-ID-THEFT.
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:
Beware of Fraudulent Text Messages
JUNE 2, 2022 - First Northern Bank is aware of fraudulent text messages being sent to our customers, as well as non-customers, indicating your account is under review due to suspicious charges. These text messages are not from First Northern Bank. This is a fraudulent attempt to gain access to your account information known as "smishing." If you responded to one of these inquiries, please notify us right away.
"Smishers" attempt to get information by tricking you into responding to a text message or by visiting a fake website. Do not open, download, or reply to any suspicious correspondence. Protect your username, password, and other sensitive login information by deleting text messages, e-mails, or other messages from people you do not know that may contain attachments or links to unsolicited offers. Remember, First Northern Bank will not ask you for information through text messages, e-mail, social media or by linking to a website.
If you received this type of text message or something similar, we recommend that you:
- Do not reply to the message.
- Do not click on any of the links that may be embedded in the message.
- Do not call any phone numbers provided in the message.
A Reminder about First Northern Bank's Fraud Detective Services:
With First Northern Bank's Fraud Detective services, you may receive legitimate telephone calls that alert you to potentially suspicious activity. A call from our Fraud Department will ONLY ask you to enter your zip code and details about a specific transaction.
Under NO CIRCUMSTANCES will you be asked to provide your card number, PIN, or other sensitive information.
What to do if Your Card is Lost or stolen:
- If your CREDIT CARD is lost or stolen, contact the bank immediately at:
- During banking hours, call (800) 766-3641 or (307) 684-2211
- After banking hours, call (888) 833-3455
If your DEBIT or ATM CARD is lost or stolen, contact the bank immediately at:
- During banking hours, call (800) 766-3641 or (307) 684-2211
- After banking hours, call (866) 546 -8273
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 identity 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.
- To view information regarding business accounts.
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