First National Bank of Durango - click to goto homepage

Online Banker Login  |   Contact Us  |  Fraud Prevention  |   Print Page  Printer friendly  |
Important Notice
On September 8, 2018, First National Bank of Durango merged into TBK Bank, SSB. Your account with First National Bank of Durango will convert into a TBK Bank account beginning the close of business on December 7, 2018. Until that time please continue to use your current products and services.

For more details visit

Fraud Prevention

Current Fraud Alerts

There has been a significant increase in complaints involving unsolicited e-mails directing consumers to phony "customer service" Web sites or directly asking for customer information. First National Bank of Durango will never request confidential information through e-mail. Please report any such request to First National at* or call 970-247-3020 and ask for the Security Officer.

*We will respond to your email within one business day; this email address is monitored during business hours, Monday – Friday. If you should need immediate attention on the weekend you can visit our Albertsons of Walmart offices from 9:00 am until 4:00 pm on Saturday.

Customer Awareness Program

First National Bank of Durango (FNBD) will NEVER request personal information by e-mail or text messaging including account numbers, passwords, personal identification information or any other confidential customer information.

Fraudulent e-mails may be designed to look like they are from First National Bank of Durango. Never respond to any e-mail communications which request any type of personal or confidential information and do not go to any links listed within the e-mail.

If you contact us, we will verify specific personal information to confirm your identity. We will NEVER contact you and ask for your ATM or ATM/Debit Card number or your full SSN. If we need to contact you, it will always be done in a manner that protects your personal, confidential information and we will clearly identify ourselves. Our first priority is to safeguard your confidential information.

Online Banking Security

At First National Bank of Durango, your privacy and security while banking online is our priority. Our Consumer Privacy Policy gives you important information on how FNBD treats your financial information.

All information within our Online Banker uses the Secure Socket Layer (SSL) protocol for transferring data. SSL is a cryptosystem that creates a secure environment for the information being transferred between your browser and First National Bank of Durango. All information transferred through Online Banker has a 128-bit encryption.

First National Bank of Durango Login

Your First National Bank of Durango Online Banker ID and Password are your keys to Online Banker. It takes both pieces of identification to gain access. No one representing First National Bank of Durango will ever ask for your Password. You should never give your Password to anyone who asks for it in an e-mail, text message or by phone or anyone else who you do not want to have access to your account.

Multi-Factor Authentication

First National Bank of Durango has implemented Multi Factor Authentication (MFA). MFA is a state-of-the-art security solution that deters predators who commit fraud and identity theft by exploiting single-factor authentication or the use of only one piece of information – such as a password – to validate identity. Multi-Factor Authentication automatically monitors Online Banker accounts for activity that is unusual based on account history, and asks customers to verify their identity by answering pre-selected security or challenge questions if unusual activity is detected.


The Watermark security feature is an additional layer of identity verification for signing in to First National Bank of Durango’s Online Banker. Your unique Watermark consists of a unique image you’ll choose from a library of images we provide. A Watermark’s primary purpose is to help deter phishing. Your Watermark provides Identity Theft and Fraud protection by visually confirming you are logging into FNBD’s valid Online Banker service and not a fraudulent site.

Look for your Watermark on each page you visit in your Online Banker session. If the Watermark is not located on the screen, or it is a different Watermark than what you have chosen – do not enter any information and contact FNBD immediately.

For your security, you should always logout at the end of each Online session. If you forget, FNBD’s Online Banker will automatically log out when you close the browser window or after a period of inactivity.


Business customers who use First National Bank of Durango’s cash management system are provided security tokens as an additional layer of protection by providing a temporary random security code when logging into the cash management system.

Fraud Prevention

In the unlikely event that there is an unauthorized transaction on your deposit accounts, you may be covered for certain losses under Federal Bank Regulations.

Regulation E, or the Electronic Fund Transfer Act, establishes the basic rights, liabilities, and responsibilities of consumers who use electronic fund transfer services and of financial institutions that offer these services. The primary objective of the act is to protect individual consumers engaging in electronic fund transfers.

For more information on Regulation E, please visit

Commercial customers are not protected under Regulation E.

Other Security Tools

First National Bank of Durango uses other tools to provide high levels of Internet security. Firewalls and filtering routers are used to secure our computers from outside Internet access and tested and proven operating systems are employed to protect the information from both internal and external threats.

For added security, you are required to determine your own unique Personal Identification Number (PIN) when your account is established. Locking a user out of the system following unsuccessful login attempts deters PIN guessing.

Your Responsibilities

  • Review your account statement regularly and report any fraudulent activity promptly.
  • Protect your Online ID and Password.

You should always guard your Online ID and Password from unauthorized use. If you share this information with someone, all transactions they initiate with the information are considered as authorized by you, even for transactions you did not intend for them to make.

  • Do not leave your computer or mobile device unattended during an Online Banker session.

It’s easy to protect your information by signing off from Online Banker when you are finished with each session. To ensure cached copies of your Online Banker Web pages are cleared, always close your browser after signing off.

  • Make sure you know who the payee is when using Online Bill Payment. First National Bank of Durango does not monitor customer payees.
  • Commercial Online Banker customers should perform a related risk and controls evaluation periodically.

Don't Become a Victim of These
Common Fraud Schemes:

  • You received an e-mail, text message, phone call or letter requesting you to verify your PIN, ID or any other confidential financial data.
  • You have been informed that you are the winner of a lottery that you didn’t enter or is located in a foreign country.
  • You’re selling an item online and the purchaser has paid more than the asking price.
  • You have been instructed to wire, send or ship money as soon as possible, to a large U.S. city or a foreign country.
  • You have received or been contacted to receive pay/commission for processing money transfers through your account.
  • You have been hired as a mystery shopper.

Ways to Prevent Fraud:


  • Donate to an alleged charity that contacts you by phone. This scam is very popular after tragic events such as hurricanes, floods and terrorist acts.
  • Respond to letters or emails requesting you to assist in moving money.
  • Give property away that you are selling if the buyer has paid with a cashier’s check/certified check/bank draft that is more than the asking price.
  • Respond to letters/emails/phone calls from companies promising to fix your bad debt, especially if they charge a fee.
  • Invest in anything you know nothing about. Check out businesses with the Better Business Bureau at
  • Allow someone who solicits you at the door to do repairs or renovations on your home.
  • Sign a blank contract.
  • Respond to unsolicited emails requesting account information, passwords, or PINs.


  • Shred personal documents. (FNBD holds a free shred day annually)

Remember...if it sounds too good to be true...IT IS!

What is Identity Theft?

It occurs when personal information is stolen and used to commit fraud or other crimes. Identity Theft involves the unlawful acquisition and use of someone’s identifying information such as: Name, Address, Date of Birth and/or Social Security Number. Identity Theft can cost you time, money and it can destroy your credit.

Common ID Theft Methods

Skilled identity thieves use a variety of methods to steal your personal information, including:

  • Skimming: They steal credit/debit card numbers by using a special storage device when processing your card.
  • Phishing: They pretend to be financial institutions or companies and send spam or pop-up messages, or call you to get you to reveal your personal information.
  • Pharming: They try to gain access to your computer by secretly installing spyware or other malicious software or trick you into handing over your passwords or other sensitive financial or personal information.
  • Dumpster Diving: They rummage through trash looking for bills or other paper with your personal information on it.
  • Changing Your Address: They divert your billing statements to another location by completing "change of address" forms.
  • "Old Fashioned" Stealing: They steal wallets and purses; mail, including bank and credit card statements; pre-approved credit cards/offers; and new checks or tax information. They steal personal records from their employers, or bribe employees who have access.

Ways to Prevent ID Theft

  • Shred or burn financial documents and paperwork with personal information before discarding them.
  • Never click on links sent in unsolicited e-mails; keep firewalls, anti-spyware and anti-virus software up to date on your computer.
  • Never give out any personal information, including user names, passwords, SSN and birth date.
  • Keep your personal information in a secure place at home or in a Safe Deposit box.
  • Protect your Social Security Number. Don't carry your Social Security card in your wallet or write your Social Security Number on a check. Give it out only if absolutely necessary or ask to use another identifier.
  • Don't give out personal information unless you know who you are dealing with.
  • Don't use an obvious password such as birth date, mother's maiden name or last four digits of your Social Security Number.
  • Create difficult passwords which include letters, numbers and symbols when possible.
  • Avoid using public computers to access your Online Banking.
  • Don't give any of your personal information to any Web sites that don't use encryption or other secure methods to protect it.

Tips to help you have a more secure
Internet shopping experience:

  • If you shop, bank or use credit cards online, avoid creating passwords that include easily accessed personal information, such as mother’s maiden name or date of birth. Instead, use something unique that only you know.
  • Don't give out personal information over the phone, through the mail, or on the Internet unless you know who you’re dealing with and preferably only if you've initiated the contact. As a general rule, never give out your Social Security or driver’s license numbers. If you must share personal information, confirm that you are dealing with a legitimate organization.
  • Banks will not ask you to verify your personal account information over the phone or via email. They already have that on file. If you receive a phone call or email asking you to verify such information, don't respond. Instead, contact the bank directly.
  • If you receive an e-mail asking for personal information, do not hit the reply button or click on any website link in the e-mail. Instead, go directly to the sender's website by typing in the sender's website address.
  • Don’t leave sensitive documents containing personal information where people can see it.
  • Look for secure sites that feature https:// with the "s" in the URL as well as a closed padlock icon on the webpage.
  • Always double check the URL to be sure you are shopping with the company you intended to shop with. That’s especially important during the holiday rush when a simple typo could help out identity thieves.
  • Know the company you’re dealing with. If you are doing business on a company’s website for the first time, do your homework. Consider checking out the Better Business Bureau website
  • Consumer protections under the federal Fair Credit Billing Act apply to Internet credit card purchases. Keep records of the purchase.
  • Avoid providing superfluous information like annual income, spending habits, hobbies and lifestyle data.
  • Shop with U.S.-based companies. Domestic state and federal consumer protection laws apply. You’ll be protected and have recourse should something go awry.

Learn more about preventing Identity Theft at the federal government’s website

When Using Your Debit Card

  • Know the Websites you are using.
  • Review your Debit Card transactions on your bank statements and/or with Online Banker.
  • DO NOT keep your PIN with your Debit Card.
  • As soon as you notice an unauthorized transaction, notify your bank immediately.

Report Missing ATM/Debit Card

During business hours, you may report the loss or theft of your First National Bank of Durango ATM or ATM/Debit Card by calling 970-247-3020 to speak with a First National Bank of Durango client services representative.

Monday through Friday, between 8:15 am and 5:00 pm.

After business hours and on the weekend, please call: (970) 259-4636.

Check Your Credit Report Annually

Contact Us

Immediately report any suspicious e-mails or Websites to First National Bank of Durango. If you suspect Identity Theft or have any questions regarding this notice, please contact:

Stephanie Fox
Compliance Officer
Phone: 970-382-5745

For More Information:

  • The Federal Trade Commission's (FTC) Website is a one-stop national resource to learn about the crime of IdentityTheft. Read more at
  • The Consumer Federation of America (CFA) is a nonprofit association of nearly 300 consumer organizations. Established in 1968, CFA's mission is to advance the consumer interest through research, education and advocacy. is intended to increase public knowledge about Identity Theft and to encourage companies that provide Identity Theft services to follow good practices. It was developed with input from CFA's Identity Theft Service Best Practices Working Group, which consists of consumer advocates and Identity Theft service providers. CFA is solely responsible for the content on this site unless it is identified as coming from other sources.
  • The Internet Crime Complaint Center (IC3) is a partnership between the Federal Bureau of Investigation (FBI), the National White Collar Crime Center (NW3C), and the Bureau of Justice Assistance (BJA). IC3's mission is to serve as a vehicle to receive, develop and refer criminal complaints regarding the rapidly expanding arena of cyber crime. The IC3 gives the victims of cyber crime a convenient and easy-to-use reporting mechanism that alerts authorities of suspected criminal or civil violations. For more information on the Internet Crime Complaint Center, go to
  • Fake Checks: Variations on a Scheme. Counterfeit or fake checks are being used in a growing number of fraudulent schemes, including foreign lottery scams (as described above), check overpayment scams, Internet auction scams and secret shopper scams.
  • Check Overpayment scams target consumers selling cars or other valuable items through classified ads or online auction sites. Unsuspecting sellers get stuck when scammers pass off bogus cashier's checks, corporate checks or personal checks. Click here to read about how it happens.

Equal Housing Lender

All rights reserved. TBK Bank, SSB
Member FDIC