We commit to promote the success of our customers and communities, provide high quality financial services and maintain a strong, safe financial institution.The First National Bank and Trust Co.


Resources and Helpful Info

ACH Originators may find the following resources helpful when seeking additional information on topics such as regulations, ACH processing, educational materials and security.   

ACH Rules and Regulations


Resource Recommended

NACHA- The Electronic Payments Association

13450 Sunrise Valley Drive, Suite 100

Herndon, VA 20171

Phone:  (703) 561-1100


NACHA Operating Rules & Guidelines

NACHA offers free basic online access to the ACH Rules in a read-only format at www.achrulesonline.org



Sponsored by NACHA



Website designed to assist financial institutions, businesses and consumers in understanding the world of electronic payments.

Security Related Information


Resource Recommended

Federal Trade Commission

600 Pennsylvania Avenue, NW

Washington, DC 20580

Phone:  (202) 326-2222

Website:  www.ftc.gov

Protecting Personal Information:  A Guide for Businesses

A free document available online that details practical tips for businesses on creating and implementing a plan for safeguarding personal information


Link: http://www.business.ftc.gov/documents/bus69-protecting-personal-information-guide-business

Council of Better Business Bureaus

3033 Wilson Blvd, Suite 600

Arlington, VA 22201

Phone:  (703) 276-0100

Website:  www.bbb.org

Data Security Made Simpler

Online information and checklists to assist businesses in creating a written security policy

Link:  http://www.bbb.org/data-security

Federal Communications Commission

445 12th Street SW

Washington, DC 20554

Phone:  (888) 225-5322

Website:  www.fcc.gov


FCC Small Biz Cyber Planner

Online resource to assist businesses in creating a customized cybersecurity plan. 

Links to free and low-cost security tools

Link:  http://www.fcc.gov/cyberforsmallbiz