Internet Banking

Internet Banking Terms

Windmill silhouette at sunset


The use of Internet Banking, Mobile Banking, FNB Mertzon BillPay and/or Electronic Document Delivery requires that you agree to the terms and conditions of our Electronic Banking and Electronic Document Delivery Agreement when you use our service. These terms and conditions are in addition to those that already apply to any account you currently have with the Bank or any service that you obtain from us. You must also adhere to any applicable procedure or instruction covered by this agreement.

“You” and “your” mean any person who creates an Internet Banking Customer Account with The First National Bank of Mertzon or is authorized to use an Internet Banking login or customer identification number and password to access the Internet Banking service. “Internet Banking” is defined as our service that allows customers to access accounts, transfer funds, make payments and perform other transactions over the Internet by using a personal computer. “The Bank” refers to The First National Bank of Mertzon.

The Internet Banking service is a free service to all Bank customers. The FNB Mertzon BillPay service is a free service when used at least once a month. If the FNB Mertzon BillPay system is activated, but is not used to send a payment during a given calendar month, a service fee of $7.50 will be assessed for that month. A service fee may also be assessed for certain maintenance requests initiated by you. These maintenance requests are related to the FNB Mertzon BillPay service and may include, but are not limited to: item research, stop payments and reissuance of payments. If the BillPay vendor issues a charge to the Bank for such services provided to you, the charge shall be deducted from your account.


You may access your accounts by computer using your password and your user name to:

  1. Transfer funds between your demand deposit accounts (checking, savings, and money market accounts);
  2. Make payments from checking or savings/money market to loan accounts with us;
  3. Get information about checking, savings, money market account balances, deposits and withdrawals in the last statement cycle, and account balance of certificates of deposit and loans;
  4. Use the FNB Mertzon BillPay service to send payments to third parties.
  5. Deposit checks using your smartphone camera on the FNB Mertzon mobile application.

Transactions completed using either Internet Banking, Mobile Banking or FNB Mertzon BillPay will appear on your normal monthly or quarterly statement. You must notify us if you change your address. 


To access Internet Banking, you are required to create a User Name and Password, as well as other security credentials. Anyone to whom you give your user name and password will have full access to your accounts, even if you intend to limit that person’s access. Please contact the Bank if you wish to enable a limited secondary user. 


Your account must have sufficient funds available to make a requested transfer or payment. If you use a Savings or Money Market account to complete a transaction, the limits imposed on those types of accounts are applicable to Internet Banking transactions. For Savings accounts, transfers to another account or to third parties by preauthorized, automatic, or telephone transfer are limited to six per quarter. For Money Market accounts, transfers to another account or to third parties by preauthorized, automatic, or telephone transfers are limited to six per statement cycle. The internet banking program may prohibit transactions that would exceed these limits. Daily transaction amount and frequency limitations may also be placed on Bill Pay transactions, Mobile Deposits, internal account transfers and loan payments. 


Internet Banking and FNB Mertzon BillPay are available 24 hours a day, 7 days a week. However, we will only process transactions and update information on general business days, Monday through Friday, excluding holidays. The daily cutoff time for transfers and loan payments is 1:45pm Central Time. The daily cutoff time for BillPay transactions and Mobile Deposits is 1:00pm Central Time. Transactions submitted after their respective cutoff times will be processed on the next business day. Cutoff times may vary if the Bank closes early in observance of a holiday. 


You are liable for all transactions initiated by you or anyone you authorize to conduct your banking activities. If you have given someone your User Name and Password and you wish to terminate that person’s access, you must change your User Name and Password as well as take any other additional steps to prevent further access by that person. If you decide that you no longer wish to have Internet Banking access, you must contact The First National Bank of Mertzon to cancel your online access. Your user name and password will be immediately disabled.


If we fail to complete a transfer or payment on time or for the correct amount according to our agreement with you, we will be fully liable for any losses or damages that may be incurred by you. However, the following exceptions apply where we WOULD NOT be liable:

  1. If, through no fault of ours, you do not have sufficient funds available to complete the requested transfer or payment.
    2. If the account from which you request a transaction has been closed or if the account is subject to restrictions due to any legal process.
    3.    If your computer equipment or ours is not in working order and it is apparent to you when you are attempting to complete a transaction.
    4.    If you have given us incomplete or incorrect information regarding the desired transaction.
    5.    If you do not follow our instructions or if you fail to correct or tell us about any inaccuracy of which you are aware.
    6.    If you do not initiate your transaction in a manner that allows us sufficient time to process your transfer or payment by the time it is due.
    7.    If any circumstances beyond our control prevent, delay, alter, or intercept the transaction, despite reasonable precautions that we have taken.  


If you believe that your security credentials have been stolen or compromised or used in a manner unauthorized by you, contact us immediately at 325-835-4321. We cannot accept notification of lost or stolen security credentials or unauthorized transactions via email. 


Ensuring your financial privacy is of vital importance to us. We recognize the importance that you place on your privacy and the confidentiality of your financial information. We think it is important for you to be informed of the policies we have to safeguard your privacy. To request a copy of our Privacy Policy, please contact the Bank at 325-835-4321 or in writing at P.O. Box 589, Mertzon, TX 76941. You can also find a copy of our Privacy Policy on our website at     


Electronic document delivery is available for checking and savings accounts as a free service. By authorizing electronic document delivery, you will no longer receive paper statements from the Bank through the mail. Your documents will be available on the Bank’s internet banking website in Adobe PDF format. You will have the ability to view, print or save your documents. When your statement or other document has been prepared, you will receive an email from the Bank stating that your document is ready for viewing through the internet banking website. You must provide the Bank with a valid e-mail address where you can be contacted. The Bank must also be notified if your e-mail address changes.

To use this service, you must have a computer or other device with access to the internet. You must be able to access the internet banking website at, and your device must be equipped with Adobe Reader in order to view your documents. Adobe Reader may be procured without cost at

Due to the nature of the Internet, the Bank cannot guarantee uninterrupted access to your documents. If you are unable to access your electronic documents, please contact the Bank so that we may assist you in obtaining access to your documents. You may cancel the electronic document delivery service at any time by contacting the bank. If you cancel the service, the Bank will reinstate paper mailing of your documents. Please allow the Bank a reasonable amount of time to respond to your request.

Within the Bank’s smartphone application, you may utilize Mobile Deposit to deposit a check to the Bank using the camera on your smartphone. In order to deposit a check using Mobile Deposit, you must endorse the back of the check with your signature and the words “Mobile Deposit Only”. You are responsible for retaining the original check for 60 days before destroying the item securely. If the check is accepted for deposit with the Bank, you may not deposit the check with any other financial institution. Checks deposited via Mobile Deposit will be subject to the same verifications as checks deposited at a Bank branch. You will be notified via email if your deposited check cannot be accepted by the Bank.

The Bank retains the right to restrict or revoke your access to any and all features of our Electronic Banking products at any time. The Bank may change the terms of this agreement at any time. You will be notified of any changes.

Single Payments – a single payment will be processed on the business day (generally Monday through Friday, except certain holidays) that you designate as the payment’s processing date, provided the payment is submitted prior to the daily cut-off time on that date.  The daily cut-off time is 1:00pm Central Time. Transactions submitted after that time will be processed on the next business day.

A single payment submitted after the cut-off time on the designated process date will be processed on the next business day.  If you designate a non-business date (generally weekends and certain holidays) as the payment’s processing date, the payment will be processed on the first business day following the designated processing date.

Recurring Payments – When a recurring payment is processed, it is automatically rescheduled by the system.  Based upon your selected frequency settings for the payment, a processing date is calculated for the next occurrence of the payment.  If the calculated processing date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules:
•If the recurring payment‘s “Pay Before” option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date prior to the calculated processing date.
•If the recurring payment’s “Pay After” option is selected, the processing date for the new occurrence of the payment is adjusted to the first business date after the calculated processing date.

Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated processing date, then the last calendar day of that month is used as the calculated processing date.

The system will calculate the Estimated Arrival Date of your payment. This is only an estimate, so please allow ample time for your payments to reach your “Payees”.

A bill payment can be changed or cancelled anytime prior to the cutoff time on the scheduled processing date.

The Financial Institution reserves the right to refuse the designation of a “Payee” for any reason. You may pay any “Payee” with-in the United States (including U.S. territories and APO’s / AEO’s). The Financial Institution is not responsible for payments that can not be made due to incomplete, incorrect, or outdated information.

Locations & Hours

106 South Broadway
P.O. Box 589
Mertzon, TX 76941
Lobby Hours:
M-F: 9am – 3pm
Drive-Through Hours:
M-F: 8am-4:30pm

San Angelo
230 West Twohig Ave
P.O. Box 1989
San Angelo, TX 76902
Lobby Hours:
M-F: 9am – 3pm
Drive-Through Hours:
M-F: 8am-5:30pm

San Angelo
3399 Knickerbocker Road
P.O. Box 62566
San Angelo, TX 76906
Lobby Hours:
M-F: 9am – 3pm
Drive-Through Hours:
M-F: 8am-5:30pm