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Your Responsibilities Regarding Your Bank Statement

As your community bank in Williamson, West Virginia, we want you to be safe from fraud --- but we also need your help. The best way to protect yourself from losses due to errors or fraudulent transactions is to balance your bank statement each month (or statement period). The sooner you notify the bank, the less you are likely to lose. In case of errors or questions about your electronic funds transfers, write us at:

The First National Bank
P.O. Box 787
Williamson, WV 25661
Or Call
304-235-5300 (Williamson, WV)
606-432-5340 (Pikeville, KY)

Note: In lieu of notifying the Auditor, you may direct your questions to the Operations Department at 304-235-5300. The Operations Department will perform the initial investigation and gather necessary documentation.

We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared. Please provide the following information:

1.) Tell us your name and account number.
2.) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe there is an error or why you need more information.
3.) Tell us the dollar amount of the suspected error.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will recredit your account for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation.

If you tell us orally, you must confirm your complaint in writing within 10 business days or we are not required to recredit your account until we complete our investigation.

Note: As a part of our investigation, we may request that you file a report with an appropriate law enforcement agency and provide the bank a copy of that report.

Woman Checking Credit Report

Check Your Credit Report

First National Bank recommends that you periodically check your credit report. For a fee, you can obtain a copy of your credit report at any time from one of the three major credit bureaus:

Equifax: 800-685-1111 or 
Experian: 888-397-3742 or 
TransUnion: 800-916-8800 or

Other Helpful Information

For additional information about account fraud and identity theft, you can visit these websites:

Federal Trade Commission: 
Internet Fraud Complaint Center: 
Identity Theft Resource Center: 

Note: By clicking these links you will be leaving First National Bank's website. First National Bank assumes no liability for the content, information, security, policies or transactions provided by other sites.