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Report your lost or stolen debit card immediately by calling 512-321-2561 or 1-866-546-8273 after banking hours.

  • Switch to FNB
    Switch in Seven Steps or Less

    You can quickly and easily enjoy the convenience and benefits of our superior service – all the forms you may need are here.

    1. Open your new accounts with us.

    2. Stop using your old accounts.

    3. Stop direct deposits from going to your old accounts and start sending them to your new accounts with FORM A.

    4. Call the appropriate agencies to stop any direct deposits of government benefits to your old accounts and start such direct deposits to your new accounts.

    a. Social Security Administration: 800-772-1213

    b. Department of Veterans Affairs: 800-827-1000

    c. Office of Personnel Administration: 888–767-6738

    5. Revoke the authority to initiate payments (preauthorized payments) from your old accounts and authorize the initiation of payments from your new accounts. Complete FORM B for each third party currently authorized to initiate payments.

    6. Authorize automatic transfers between your accounts with us. Complete FORM C for each type of transfer.

    7. Once your direct deposits are being received by your new accounts and all transactions on your old accounts have cleared, use FORM D to close your old accounts and terminate authority for transfers between them.

  • Debit Card Fraud Prevention

    FNB Guardian Alerts

    Enjoy the peace of mind that comes with instant text alerts when your debit card is used in any of the following ways:

    • International Transactions – Transactions approved outside of the United States.
    • Authorizations Greater than $200 – Transactions approved that exceed $200.
    • 5 or more Transactions in 24 hours – Transactions approved in excess of 5 in a rolling 24 hour time period.
    • Card Not Present – Transactions approved that were manually entered, such as internet based transactions.
    • Out of State Transactions – Transactions approved outside of the cardholder’s home state.

    Click here to enroll your debit card today!

    More questions? Click here for FNB Guardian Alerts FAQs.

    Falcon Fraud Monitoring

    Falcon Fraud Monitoring is an automated fraud prevention service. If fraudulent debit card activity is suspected, you may receive:

    • an email from with the option to click on a link for "fraud" or "no fraud"
    • a text message from 32874 one minute after the email and
    • an automated phone call five minutes after the text message, if no response is received.

    We encourage customers to add these to their list of trusted contacts. As a reminder, you will only be contacted if fraud is suspected on your debit card account.

    Our messages will never ask for a customer to provide their PIN or account number.

    Sample Text Messages

    FNB Guardian Alerts: A text message will come from 27576 and will look like the example below. If the transaction is legitimate, no further action is needed.

    FNB Guardian Alert Text Message

    Falcon Fraud Monitoring: A text message will come from 32874 and will look like the example below. A response to the message is required, even if the transaction is legitimate.

    Falcon Fraud Monitoring Text Message

  • Identity Theft Prevention

    Identify Theft continues to be one of the fastest growing crimes in the United States. Your personal information is a very valuable commodity to fraudsters. Know the steps you can take to protect your personal information and, if needed, what to do if you become a victim of identity theft.

    Preventing Identity Theft

    • Don’t share your secrets: Don’t provide your Social Security number or account information to anyone who contacts you online or over the phone. Protect your PINs and passwords and do not share them with anyone. Use a combination of letters and numbers for your passwords and change them periodically. Do not reveal sensitive or personal information on social networking sites.
    • Shred sensitive papers including receipts, banks statements, and unused credit card offers before throwing them away.
    • Keep an eye out for missing mail: Fraudsters look for monthly bank or credit card statements or other mail containing your financial information. Consider enrolling in online banking to reduce the likelihood of paper statements being stolen.
    • Use online banking to protect yourself: Monitor your financial accounts regularly for fraudulent transactions. In addition to FNB Guardian Alerts, you can sign up for text alerts or email alerts for certain types of transactions.
    • Monitor your credit report by ordering a free copy of your credit report every four months from one of the three credit reporting agencies at
    • Protect your computer: Make sure the virus protection software on your computer is active and up to date. When conducting business online, make sure your browser’s padlock or key icon is active. Also look for an “s” after the “http” to be sure the website is secure.
    • Protect your mobile device: Use the passcode lock on your smartphone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen. Before you donate, sell or trade your mobile device, be sure to wipe it using specialized software or using the manufacturer’s recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen. Use caution when downloading apps, as they may contain malware and avoid opening links and attachments – especially for senders you don’t know.

    If Your Identity Has Been Stolen:

    • Contact First National Bank immediately to report any fraudulent activity you’ve seen on your account or to close any impacted accounts.
    • Contact the three major credit bureaus listed below and place a fraud alert on your credit file. You should only need to contact one bureau to request the alert and they will contact the other two for you.
      • Equifax: To report fraud, call 1-800-525-6285 and write: P.O. Box 740241, Atlanta, GA 30374-0241. For the hearing impaired, call 1-800-255-0056 and ask the operator to dial. For the Auto Disclosure Line, call 1-800-685-1111 to request a copy of your report.
      • Experian: To report fraud, call 1-888-EXPERIAN (397-3742) and write: P.O. Box 9530, Allen TX 75013. TDD: 1-800-972-0322
      • TransUnion: To report fraud, call 1-800-680-7289 and write: Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92634 TDD: 1-877-553-7803
    • Obtain your free annual credit report and review it closely.
    • Visit the Federal Trade Commission’s website at This site will walk you through the step-by-step repair process and also includes checklists and forms which will assist you through the recovery of your good name.

    Remember, First National Bank will never:

    • Call, email or text you asking for your Online Banking password, account numbers, or debit card numbers. If you receive such a call, email or text message, do NOT give out any information.
    • Send an email to you containing computer software updates.

    Important: If you receive a phone call, email, text message or visit to your place of business that you question, please contact us before taking any other action.

  • Staying Safe Online and On Your Phone

    Online Safety

    Though the internet has many advantages, it can also make users vulnerable to fraud, identity theft and other scams. First National Bank recommends the following tips to keep you safe online:

    • Keep your computers and mobile devices up to date. Having the latest security software, web browser, and operating system are the best defenses against viruses, malware, and other online threats. Turn on automatic updates so you receive the newest fixes as they become available.
    • Set strong passwords. A strong password is at least eight characters in length and includes a mix of upper and lowercase letters, numbers, and special characters.
    • Watch out for phishing scams. Phishing scams use fraudulent emails and websites to trick users into disclosing private account or login information. Do not click on links or open any attachments or pop-up screens from sources you are not familiar with. Forward phishing emails to the Federal Trade Commission (FTC) at – and to the company, bank, or organization impersonated in the email.
    • Keep personal information personal. Hackers can use social media profiles to figure out your passwords and answer those security questions in the password reset tools. Lock down your privacy settings and avoid posting things like birthdays, addresses, mother’s maiden name, etc. Be wary of requests to connect from people you do not know.
    • Secure your internet connection. Always protect your home wireless network with a password. When connecting to public Wi-Fi networks, be cautious about what information you are sending over it.
    • Shop safely. Before shopping online, make sure the website uses secure technology. When you are at the checkout screen, verify that the web address begins with https. Also, check to see if a tiny locked padlock symbol appears on the page.
    • Read the site’s privacy policies. Though long and complex, privacy policies tell you how the site protects the personal information it collects. If you don’t see or understand a site’s privacy policy, consider doing business elsewhere.

    Mobile Safety

    Your mobile device provides convenient access to your email, bank and social media accounts. Unfortunately, it can provide the same convenient access for criminals. First National Bank recommends following these tips to keep your information, and your finances, safe.

    • Use the passcode lock on your smartphone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen.
    • Log out completely when you finish a mobile banking session.
    • Protect your phone from viruses and malicious software, or malware, just like you do for your computer by installing mobile security software.
    • Use caution when downloading apps. Apps can contain malicious software, worms, and viruses. Beware of apps that ask for unnecessary “permissions.”
    • Download the updates for your phone and mobile apps.
    • Avoid storing sensitive information like passwords or a social security number on your mobile device.
    • Contact us immediately if you change your phone number or lose your mobile device.
    • Be aware of shoulder surfers. The most basic form of information theft is observation. Be aware of your surroundings especially when you’re punching in sensitive information.
    • Wipe your mobile device before you donate, sell or trade it using specialized software or using the manufacturer’s recommended technique. Some software allows you to wipe your device remotely if it is lost or stolen.
    • Beware of mobile phishing. Avoid opening links and attachments in emails and texts, especially from senders you don’t know. And be wary of ads (not from your security provider) claiming that your device is infected.
    • Watch out for public Wi-Fi. Public connections aren't very secure, so don’t perform banking transactions on a public network. If you need to access your account, try disabling the Wi-Fi and switching to your mobile network.
    • Again, report anything suspicious to your bank immediately
  • Security Resources For Consumers

    ATM Safety

    • Be aware of your surroundings, particularly at night. If you observe or sense suspicious persons or circumstances, do not use the machine at that time.
    • Have your card ready and in your hand as you approach the ATM. Don't wait to get to the ATM and then take your card out of your wallet or purse.
    • Visually inspect the ATM for possible skimming devices. Potential indicators can include sticky residue or evidence of an adhesive used by criminals to affix the device, scratches, damaged or crooked pieces, loose or extra attachments on the card slot, or noticeable resistance when pressing the keypad.
    • Be careful that no one can see you enter your PIN at the ATM. Use your other hand or body to shield the ATM keyboard as you enter your PIN into the ATM.
    • To keep your account information confidential, always take your receipts or transaction records with you.
    • Do not count or visually display any money you received from the ATM. Immediately put your money into your pocket or purse and count it later.
    • If you are using a drive-up ATM, be sure passenger windows are rolled up and all doors are locked. If you leave your car and walk to the ATM, lock your car.

    Special Precautions for Using an ATM at Night

    • Park close to the ATM in a well-lighted area.
    • Take another person with you, if at all possible.
    • If the lights at the ATM are not working, don't use it.
    • If shrubbery has overgrown or a tree blocks the view, select another ATM and notify your bank.
  • Security Resources for Businesses

    Protecting Your Business

    Corporate Account Takeover is a type of fraud where thieves gain access to a business’ finances to make unauthorized transactions, including transferring funds from the company, creating and adding new fake employees to payroll, and stealing sensitive customer information that may not be recoverable. First National Bank recommends following these tips to keep your small business safe.

    • Educate your employees. You and your employees are the first line of defense against corporate account takeover. A strong security program paired with employee education about the warning signs, safe practices, and responses to a suspected takeover are essential to protecting your company and customers.
    • Protect your online environment. It is important to protect your cyber environment just as you would your cash and physical location. Do not use unprotected internet connections. Encrypt sensitive data and keep updated virus protections on your computer. Use complex passwords and change them periodically.
    • Partner with us to prevent unauthorized transactions. We offer programs that safeguard your business account from unauthorized transactions. Positive Pay and other services offer call backs, device authentication, multi-person approval processes, and batch limits to help protect you from fraud.
    • Pay attention to suspicious activity and react quickly. Look out for unexplained account or network activity, pop ups, and suspicious emails. If detected, immediately contact your financial institution, stop all online activity and remove any systems that may have been compromised. Keep records of what happened.
    • Understand your responsibilities and liabilities. The account agreement with us will detail what commercially reasonable security measures are required in your business. It is critical that you understand and implement the security safeguards in the agreement. If you don’t, you could be liable for losses resulting from a takeover. Contact us if you have any questions about your responsibilities.

    For additional information, visit the American Banker Association’s website dedicated to educating business owners on Corporate Account Takeover

  • Beware of Financial Scams

    As Americans begin the process of filing tax returns, identity thieves are scheming to get their hands on that money. Tax identity theft has been the most common form of identity theft reported to the Federal Trade Commission for the past five years.

    Tax identity fraud takes place when a criminal files a false tax return using a stolen Social Security number in order to fraudulently claim the refund. Identity thieves generally file false claims early in the year and victims are unaware until they file a return and learn one has already been filed in their name.

    To help consumers prevent tax ID fraud, First National Bank is offering the following tips:

    • File early. File your tax return as soon as you’re able giving criminals less time to use your information to file a false return.
    • File on a protected Wi-Fi network. If you’re using an online service to file your return, be sure you’re connected to a password-protected personal network. Avoid using public networks like a Wi-Fi hotspot at a coffee shop.
    • Use a secure mailbox. If you’re filing by mail, drop your tax return at the post office or an official postal box instead of your mailbox at home. Some criminals look for completed tax return forms in home mailboxes during tax season.
    • Find a tax preparer you trust. If you’re planning to hire someone to do your taxes, get recommendations and research a tax preparer thoroughly before handing over all of your financial information.
    • Shred what you don’t need. Once you’ve completed your tax return, shred the sensitive documents that you no longer need and safely file away the ones you do.
    • Beware of phishing scams by email, text or phone. Scammers may try to solicit sensitive information by impersonating the IRS. Know that the IRS will not contact you by email, text or social media. If the IRS needs information, they will contact you by mail first.
    • Keep an eye out for missing mail. Fraudsters look for W-2s, tax refunds or other mail containing your financial information. If you don’t receive your W-2s, and your employer indicates they’ve been mailed, or it looks like it has been previously opened upon delivery, contact the IRS immediately. If you believe you’re a victim of tax identity theft or if the IRS denies your tax return because one has previously been filed under your name, alert the IRS Identity Protection Specialized Unit at 1-800-908-4490. In addition, you should:
      • Respond immediately to any IRS notice and complete IRS Form 14039, Identity Theft Affidavit.
      • Contact us immediately, and close any accounts opened without your permission or tampered with.
      • Contact the three major credit bureaus to place a ‘fraud alert’ on your credit records:
        • Equifax,, 1-800-525-6285
        • Experian,, 1-888-397-3742
        • TransUnion,, 1-800-680-7289
      • Continue to pay your taxes and file your tax return, even if you must do so by paper.

    More information about tax identity theft is available from the FTC at and the IRS at

  • Estate Resources

    Opening an Estate Account

    To collect the deceased person's cash assets and to have a way to pay the bills, a bank account for estate funds is needed.

    Once an executor/administrator has been appointed by the probate court, a bank account in the name of the estate would need to be opened. Usually, an account for an estate is registered this way, or something similar: "Estate of John Doe, Deceased, Jane Doe, executor."

    • Executor/Administrator must apply for an EIN for the estate, which is needed to open the account.
    • Letters Testamentary or Letters Administration issued by the county clerk’s office is required to open the account. This document identifies the executor/administrator of the estate.
    • The Executor/Administrator will be the only authorized signer on the signature card. The Executor/Administrator does not have the authority to add anyone else to the account. If this person cannot perform the duties required, then a new executor/administrator would need to be appointed by the court.
    • The court can appoint Co-Executors/Co-Administrators for the estate. Both would sign on the signature card and each can act independently (one signature only is required).
    • In rare instances, the Letters Testamentary/Administrator may state “DEPENDENT” Executor/Administrator instead of “Independent.” In this case, funds may only be released from the estate account upon receipt of a Court Order.
    • An Estate is considered a fiduciary type of relationship.

    How to Notify First National Bank When a Customer Passes Away

    First, we would like to offer our condolences. We understand the loss of a loved one is an emotionally stressful time, and that navigating through a loved one’s financial affairs can be challenging.

    We hope the information provided here may help navigate this uncertain territory while we offer the support related to our role in this process. We are here to help. Feel free to call us to discuss your particular situation. We also recommend you contact your financial and legal advisors for assistance.

    Please keep in mind that First National Bank is only legally authorized to take instructions or give out information regarding the deceased person’s account(s) from someone who is authorized to act on behalf of the deceased’s estate.

    What do I do now?

    The first step is to notify the bank of the death of the accountholder in person or by phone at 512-321-2561.

    Documents you are required to provide:

    1. A certified copy of the death certificate.
    2. Proof of identification for representative handling accounts.
    3. Letter Testamentary naming the executor, issued by the probate court located where the deceased lived. If no executor was named, than a request must be filed with the probate court and Letters Administration must be issued by the court to the financial representative.
    4. Records of financial accounts (i.e. bank statements along with Decedent’s full legal name and social security number would also be helpful).

    Frequently Asked Questions (FAQ) you may have about needed documents:

    Q. Why is the death certificate needed?
    A: The death certificate gives us the information needed to verify the identity and legal residence of our customer.

    Q: Where do I get the death certificate?
    A: A certified copy of the death certificate is generally available from the funeral director who handled the deceased’s funeral arrangement, as well as from the Registry of Birth, Deaths, and Marriages in the applicable state/county/parish/territory. You may need multiple certified copies of the death certificate when dealing with various institutions in settling the deceased’s affairs. The complexity of the estate and the number of institutions that the deceased conducted business with will help you determine the number of copies you may need.

    Q: How do I deliver the death certificate to First National Bank of Bastrop, TX?
    A: You may deliver the death certificate to any First National Bank of Bastrop, TX branch location in Bastrop County or mail it to:

    First National Bank of Bastrop – Deceased Estate
    PO Drawer F
    Bastrop, TX 78602

    Other questions you may have:

    Q: Who can obtain information about and access a deceased customer’s bank accounts?
    A: First National Bank still has a duty of confidence to our customer, even after their death. This means the bank cannot disclose information about customers to anyone other than parties who are legally entitled to it. In most cases, the bank can only take instruction from the executors or administrators of the estate and is unable to release information to other parties, such as next of kin or estate beneficiaries.

    Q: How are accounts transferred after an account owner passes away?
    A: The action will vary based on the way the account is owned.

    Click here for information about specific account ownership or refer below.

    Q: How long will it take for funds to be released?
    A: As the specifics of each account are different, the time it may take to settle the account will also vary. In general, we gain to process a request as soon as we receive the necessary documents.

    Q: What other bank-related products or services may require attention?
    A: Other things to consider would be: Online banking IDs and scheduled bill payments, direct deposits, debits, loan payments, ACH items, credit card payments and rewards, investment and retirement accounts, insurance products, safe deposit box lease

    If nothing happens to the bank account(s) after the account owner’s death, the funds may be considered abandoned property after 3 years of inactivity, and by state law, the funds would be required to be sent to the state as unclaimed property.

    Documents and forms – Terms and Definitions

    Learn about some of the documents or forms you may need to obtain and/or complete. Please contact your financial or legal advisor for help with obtaining the proper documentation.

    Death Certificate

    Letters Testamentary – The formal instrument of authority and appointment granted by the proper court to an executor (one designated in a will to manage the estate of the deceased) empowering that person to execute the functions of the office.

    or Letters Administration – Court-order authorizing a person (called 'administrator' if male; or 'administratrix' if female) to manage or distribute the property of a deceased who did not make any such arrangement in his or her will, or died intestate (without making a will).

    Small Estate Affidavit – An affidavit of small estate is a legal document by which the property is transferred to the heirs and beneficiaries after the death of a person. It is usually executed in situations when an estate is not submitted to the probate because of the size of the estate. The main purpose of an affidavit of small estate is to inform the court that a particular estate meets the requirements of a small estate and that the appropriate summary probate process may be initiated. It also entitles the person executing the document to receive possession and ownership of the decedent's property without going through the formality of probate. In this affidavit, the affiant or the person who files the affidavit must identify all other claimants, beneficiaries, or heirs who have a right over the decedent's estate. If there are other claimants, the affiant must swear to issue proper notice to them. This affidavit must be signed and sworn in the presence of a notary in the state in which it is filed.

    Muniment of Title – Documents that serve as evidence of ownership of real or Personal Property, i.e., written instruments, such as stock certificates or deeds to land, by which an owner is enabled to defend his or her ownership rights. Filing a will for probate as Muniment of Title is asking the court to find that it is a valid will, and telling the court that no other action is needed on the estate. The will says who the beneficiary or beneficiaries are. The order admitting the will as Muniment of Title is signed by the judge, and then a certified copy of the order and the will is filed in the real property records of the county where the property is located. That is what transfers title to the beneficiary or beneficiaries (basically acting like the deed showing the transfer of title in the real property records).

    Certified copies of the order and will can also be used to change title to vehicles to the persons named in the will. While probating a will as Muniment of Title will not work in all estates, it should be considered as an option.

    Affidavit of Heirship – The Affidavit of Heirship document is used to declare who the heirs of a deceased person are. It is commonly used to establish ownership of personal and real property when the deceased has not left a will. An Affidavit of Heirship is used to establish ownership of property when the deceased failed to execute a will. The Affidavit of Heirship may be filed with the deed records of the county in which the property lies. In its basic form, the Affidavit of Heirship begins by stating under oath that there is a relationship between the people mentioned in the document, referred to as affiant and heirs, and the decedent. Important Note: This does not go through the probate process and is an option only for very small estates, with only a small number of heirs receiving equal amounts. The Bank may need to seek further legal counsel before accepting an Affidavit of Heirship.

    Administrator – The person or corporation appointed by a court to settle the estate of a deceased person if no valid will can be found or if there is a will and the named fiduciary does not serve.

    Beneficiary – Person or persons who receive the assets of an estate after all debts are satisfied. Also, a person named in an information trust as In Trust For (ITF) or Payable on Death (POD) beneficiary on bank records.

    Estate – The assets and liabilities left by the decedent. When a person dies and leaves a will naming an individual or an institution to settle his/her estate, the court approved personal representative named in the will is called the executor. If the court does not approve of the named executor or the person dies intestate (without a will), the court can appoint an independent administrator.

    Executor – Person or corporation named in the decedent’s will to settle the estate and approved by the court to serve as such.

    Fiduciary – A person who has been entrusted with the responsibility to manage the assets or rights of another person. May be referred to as a Guardian, Conservator, Executor or Administrator, Trustee, Representative Payee, Custodian or in some cases an Attorney-In-Fact (Agent).

    Probate – The process of gathering a decedent’s assets, paying the creditors and any taxes owed, then distributing the remainder according to the will (testate distribution) or state law (intestate distribution, as applicable. Will – A legal document in which a person included instructions for the distribution of his or her property and possessions after death.

    Government Agencies you may need to contact

    Social Security Administration

    Office of Personnel Management 

    Defense Finance & Accounting Service (DFAS)

    U.S. Department of Veterans Affairs/ Cemetery Administration

    Account Ownership Information

    SINGLE OWNER ACCOUNTS For single owner accounts, on death of the owner, ownership of the account passes as a part of the party’s estate under the party’s will or by intestacy. The person authorized to handle the estate (established by probate process) will need to present the proper probate document establishing their authority.

    Joint/Multiple party accounts are owned by more than one person. There are two joint/multiple party account ownerships:

    Joint/Multiple party account with right of survivorship: any surviving owner becomes the owner of the account after one owner passes away. The title of the account will be updated to reflect the names of the surviving owner(s) once we have the certified copy of the death certificate, an updated, signed signature card agreement and, if required, any state specific documents.

    Joint/Multiple party account without survivorship: in cases where the joint account does not include survivorship, the parties to the account own the account in proportion to the parties’ net contributions to the account. The bank may pay any sum in the account to a party at any time. On the death of a party, the party’s ownership of the account passes as part of the party’s estate under the party’s will or by intestacy.


    An account owner may name one or more beneficiaries for an account during his or her lifetime. When the last account owner passes away, the funds in the account belong to the beneficiary(ies). 

    • The beneficiary or beneficiaries must provide notarized letters of instruction in addition to the death certificate. 
    • Each beneficiary must also provide a valid ID.

    Both joint accounts with right of survivorship and POD account transfers are considered non-probate transfers – they pass outside the estate.

    For accounts that are part of large estates, the court-appointed estate representative will typically close any accounts in the decedent’s name and open an estate account, upon presentation of the appropriate probate documents. Refer to “Opening an Estate Account.”