FAQs

You have until Sept. 30 to add a second user to your account. If you have a second user in ONEpay already, you must start using true dual control by the Digital Banking upgrade go-live coming this fall. This means one individual initiates an ACH or wire while a second individual approves the transaction.

The new platform will require all ACH and wire users to have a second user in place to complete their ACH and wire transactions. If you do not establish dual control, important functions like payroll, payment of invoices, and utility bills will be interrupted.

No. First National’s upgraded business online banking system will require all ACH and wire customers to use two users beginning this fall. It is best to get started now so there is no delay to any ACH payments in your system.

Dual control requires a second authorized user in ONEpay, but that second user does not have to be your employee. You can add any trusted person to implement dual control.

1. To set up dual control log in to Business Online Banking as a System Administrator.
2. Go to the Administration tab.
3. Select New Employee.

4. Fill in the requested information: Name, security level, email address, business and mobile phone numbers, username, and temporary password in the Change Password link.

5. Select the security level you want to grant the new user.

6. Create a password for the new user. If applicable, select any accounts that the user will need access to in Online Banking.

7. If you are currently using a token to log in to Business Online Banking, select the following in the Multifactor Authentication section (if you are not currently using a token to log in, skip this step):
   • Token status: Pending enablement
   • Token type: Go3

8. Once you’ve finished filling out the information, scroll to the bottom of the page and click next.
9. You should see a message saying “Employee Created Successfully.”
10. Once you’ve created a new user, go into ONEpay.
11. Once in ONEpay, click Administration.

12. If you have an existing employee in the system with the permissions you’d like your new user to have, select the existing employee, then right click and select “Add Using Model.” If you need to set up the new user from scratch, click the + sign on the green bar.

13. Enter their first name, last name, email address and user ID.

14. Click permissions and assign which account you’d like the new user to have ACH and/or wire access. Check the boxes with appropriate level of access for the new user.

15. Add the payment type permissions you would like the user to have.

16. If the user should have access to Bank Reports, select all for account number and company ID.

17. If you’re a wire customer, repeat the same steps in the wire transfer tab.
18. Click save.
19. One you have created your additional users, the System Administrator must call First National’s Fulfillment and Support at 907-777-3640 and ask them to link the new Business Online Banking user to their ONEpay profile. At this time, if the system administrator does not have an extra hard token to give to their new user, First National can provide one.
20. Once the new user’s profiles have been linked and they have a hard token, they can log into their business online banking account. They will be prompted to register their hard token by clicking the Go To ONEpay link.

21.  Your second user is set up and ready to go!

No. As part of First National’s commitment to meeting your digital banking needs, we are enhancing our online and mobile banking services in fall 2026. The new platform will require all ACH and wire customers to have a second user in the system to approve ACH and/or wire transactions. If you do not establish dual control before the upgrade, important functions such as payroll, invoice payments, and utility bill payments will be interrupted.

Yes, businesses of all sizes will benefit from using dual control.

1. Enhanced Security: Dual control significantly reduces the risk of unauthorized transfers and fraudulent activity by requiring two sets of eyes on every transaction.
2. Error Reduction: By having two people review each payment, the likelihood of mistakes, such as incorrect amounts or recipient information, is greatly minimized.
3. Accountability: Dual control creates a documented trail of who approved each transaction, supporting internal organizational transparency and audit requirements.

Dual control ensures that a second, independent user must confirm and release the transaction before it is transmitted to the recipient. No single user may both initiate and approve an ACH or wire. This ensures two individuals review every transaction.

Keeping your money and information secure is one of our top priorities. When you use Zelle^® within our mobile app or online banking, your information is protected with the same technology we use to keep your bank account secure.

If you suspect fraud on your account, immediately contact your local branch or call 907-777-4362 or 800-856-4362. Once you have confirmed a fraudulent transaction, file a local police report.

Zelle^® QR codes provide peace of mind, knowing you can send and receive money without typing or providing an email address or U.S. mobile number. To locate your Zelle^® QR code, log in to the First National Bank Alaska mobile app or online banking. Click the menu, then select Zelle^®. Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Navigate to “My Code.” From here, you can view and use the print or share icons to text or email your Zelle^® QR code.

To send money, log in to the First National Bank Alaska mobile app or online banking. Click the menu, then select Zelle^®. Click “Send,” then click on the QR code icon displayed at the top of the “Select Recipient” screen. Once you grant access to your camera, simply point it at the recipient’s Zelle® QR code, enter the amount, tap “Send,” and the money is on the way. When sending money to someone new, it’s always important to confirm the recipient is correct by reviewing the displayed name before sending money.