First National Bank of McHenry

Telephone Banking

First Fone

Anytime. Anyplace. 24 Hours a day. 7 days a week. 365 days a year.

All you have to do is find a touchtone telephone and The First National Bank of McHenry is right at your fingertips. Maybe you forgot to make a transfer between accounts. Maybe you didn’t make it to the bank to make a loan payment. Maybe you forgot to write a check down in your register. Maybe you need to check on the amount of your direct deposit. Or maybe you just want to know your balance. It doesn’t matter when you call, First Fone will always be ready for you. Best of all, First Fone is free; you don’t even have to pay for the call. Take a look at what First Fone can do for you …

Review checking, statement savings, Certificate of Deposit, IRA, and Loan balances.
Review your most recent deposit or withdrawal transactions.
Review current day transactions such as direct deposits or Visa Check Card transactions.
Transfer funds between accounts.
Make loan payments.
Receive a special statement via Fax.
Listen in English or Spanish.
Calculate Certificate of Deposit Rates.

Frequently Asked Questions

Q. What is my Personal Identification Number (PIN)?

A. If you have an existing account with us, your PIN was assigned and disclosed to you at account opening. If you do not recall your PIN, please contact us at (815)385-5400 during regular business hours so we may assign a new one to you. Once your PIN has been assigned, you will use this assigned PIN the first time you call First Fone. During this first call, you will be prompted to select a new four digit PIN known only to you.

Q. First Fone tells me that my PIN is expired or invalid. What does that mean ?

A. If First Fone tells you that your PIN is expired, simply stay on the line and you will be given instructions on how to change your PIN. If you hear that your PIN is invalid, you will need to contact us at (815)385-5400 during regular business hours in order for us to reset your PIN.

Q. What balance will First Fone give me?

A. First Fone will provide you with an Available Cash Balance. The Available Cash Balance is computed by taking your balance the close of business the previous business day and adding or subtracting any pending transactions (Option 2, then Option 5).

Q. Where can I find out how much a Direct Deposit is for ?

A. That depends on the day you call. If you are calling on the day we receive your direct deposit, you may find out how much it is for by pressing Option 2 (Review Transactions) and then Option 5 (Pending Transactions). If you are calling on any other day after we receive it, you will find it by pressing Option 2 (Review Transactions) and then Option 2 (Last Five Deposits).

Q. After listening to First Fone, my balance seems correct, but there are some items that are unaccounted for — like debit card transactions. Where can I find these ?

A. Generally, you’ll be able to find these transactions by pressing Option 2 (Review Transactions) and then Option 3 (History of all Transactions). Here you will find all other activity that posts to your account that isn’t a traditional check or deposit. Items found here include ATM withdrawals, debit card transactions, interest payments, account maintenance charges, internal bank transfers, etc.

Q. What is the cut-off time for transfers made using First Fone ?

A. Transfers or loan payments made after 5:00 PM the day of the transaction may not be posted until the following business day.

Q. Is there a charge for First Fone ?

A. No. First Fone is available to all account holders free of charge. If you use the toll-free number, you’ll find even the call itself is free.

Call (888)750-3150 and use the following grid to help you along.

First Fone Grid

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