No, you will only be prompted to verify your identity with a one-time passcode if the system detects a new device or suspects fraud.

No, starting Sept. 17, all personal digital banking customers must enroll a phone number to access their accounts via online and mobile banking.

First National prioritizes the security of your accounts. This enhancement helps us uphold that commitment. We understand that changes to security processes can raise concerns; however, security questions are no longer considered an industry best practice for safeguarding online accounts. With fraud becoming more prevalent, using one-time multifactor authentication passcodes is now the industry standard. Enhanced MFA also uses real-time login monitoring to recognize your device and actively monitor for threats, so you won’t be prompted for a one-time passcode every time you log in.

Yes, through First National Rewards, every time you use your First National debit card to purchase merchandise or services, you earn points that can be redeemed for great gift cards. Certain restrictions apply. See Gift Cards Program Terms and Conditions for details.

First National Rewards is a program that rewards First National customers for everyday spending. Every qualifying purchase with your First National Bank Alaska debit card adds up to reward points that you can redeem for gift cards. Learn more at FNBAlaskaRewards.com. See Gift Cards Program Terms and Conditions for details.

We are actively pursuing the option to receive one-time passcodes via email and hope to be able to offer this solution in 2026. We do not currently have plans to offer the ability to receive one-time passcodes via an authenticator app.

Reach out to your local branch or the Contact Center at 907-777-4362.

Yes. Reach out to your local branch or the Contact Center at 907-777-4362 to enable this option on your account.

If you are not receiving the SMS text message, you will need to use the automated phone call option. If you do not receive the automated phone call, reach out to your local branch or the Contact Center at 907-777-4362.

You can reset your phone number(s) by following the steps below:

1. Log in to Personal Online Banking.
2. Click on Profile.
3. Click on the Security Challenge section.
4. Delete phone number and click Save.
5. Re-enter the phone number and click Save.

If you responded “stop” to the SMS text messages, you will need to reset your phone number by following the steps below:

1. Log in to Personal Online Banking.
2. Click on Profile.
3. Click on the Security Challenge section.
4. Delete phone number and click Save.
5. Re-enter the phone number and click Save.

If you have any trouble, reach out to your local branch or our Contact Center at 907-777-4362.

You will receive an error indicating the wrong number was entered, and you will be asked to try again. As a security measure, if the one-time passcode is entered incorrectly five times, your account will lock (see screenshot). If this happens, please call our Contact Center at 907-777-4362 or visit a branch to have your online banking access unlocked.

No, there is no default contact method setting. When prompted, you will always need to select to receive the one-time passcode via SMS text message or an automated phone call.

Yes, as long as your VPN does not route through a blocked country. If you believe you are not able to access online or mobile banking based on your geographic location, contact your local branch or the Contact Center at 907-777-4362.