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Security is a priority at Freedom National Bank and we are committed to protecting the security and confidentiality of your information.

Internet Security

Information that you send us through our internet banking site is scrambled. This technology, called Secure Socket Layers (SSL), protects information you submit or receive through our site. We have also established user code and password controls to protect the information you submit or receive from our site.

Fraudulent Web Sites

Be alert for copycat sites that use a name that is similar to that of a reputable business. Fraudulent sites attempt to lure you into clicking onto the copycat site and giving your personal information, including your account number and password. Always make sure you know whom you are dealing with over the Internet and verify the authenticity of each web site you visit.

Multifactor Authentication

A customer requesting access or entry to a Freedom National Bank system shall authenticate himself or herself by proving his or her identity using various means. Multifactor authentication (MFA) is an enhanced security solution which makes use of secondary customer validation levels in addition to a standard user ID and password. The use of multiple factors, as opposed to just one, delivers a higher level of authentication assurance for both the bank and the customer. Methods that depend on more than one factor are more difficult to compromise than single-factor methods.

MFA Device Security is a security solution that identifies each customer based on a username, password and the specific computer being used. This feature examines the customer's computer and registers it with the bank's electronic security system based on a number of characteristics, in the process creating a one-of-a-kind electronic fingerprint. This electronic fingerprint is verified each time the customer logs in. MFA Device Security prevents unauthorized, third-party access to a customer account, even if the third-party possesses the customer's username and password. For customers who access their accounts from more than one PC, supplemental authentication confirms the customer's identity by prompting for the answers to questions which they have previously supplied answers to. MFA Device Security assures Freedom National Bank that the customer is legitimately authorized to access our system, and further assures our customers that they are accessing accounts through Freedom National Bank's true website.


Freedom National Bank makes use of firewalls to prevent unauthorized access to our data processing network and systems. A firewall is a security mechanism that regulates the data passing in and out of a computer network. A firewall is a commonly used, specialized device which acts as a technological barrier designed to prevent unauthorized or unwanted communications between sections of a computer network.


Freedom National Bank is not responsible for the content of third party sites linked to from this site, nor does it guarantee the products or services offered on third party sites. You should review the privacy statement of each web site you visit before you provide personal or confidential information.


Freedom National Bank may collect and store information about your visit to this web site. To collect this information, our web server may store a "cookie", which is a small text file, to your computer. Our web site may use "cookies" in order to provide you with a better experience and make your repeated interaction with our services easier. "Cookies" used by Freedom National Bank will not collect personal information about you without your knowledge and permission, nor do we resell or distribute any site visitor data.

Electronic Mail

You can communicate with the bank through the use of electronic mail (email). You may not use email to initiate transactions on your account(s). Freedom National Bank will be deemed to have received your email on the business day following transmission. Freedom National Bank agrees to respond within a reasonable time. Any email sent to you by Freedom National Bank shall be considered received within (3) business days from the date sent, regardless of whether or not you review your email within that time.

You should not use email if you need to communicate with Freedom National Bank immediately. For example, if you need to report a lost or stolen Debit or ATM card, report an unauthorized transaction from one of your accounts, or stop payment on a check, call our toll-free number (866) 920-2265.

Email messages sent to the bank through the "Contact" page on this site are not secure. Therefore, you should not send confidential or sensitive information such as your account number, Debit or ATM card number, PIN, or social security number in your email communication with the bank. By sending confidential information to us via email on the "Contact" page, you accept the risk that a third party may intercept your information.

Freedom National Bank is now offering its customers the ability to send a secure email to the bank. Secure email is the best way to communicate with us and the only way to be sure your confidential information, such as account numbers and tax id numbers, are delivered safely. Click here to read more about communicating with Freedom National Bank via secure email.

Visitors to our site may elect to provide us with personal information via email or online registration forms. This information is used internally, as appropriate, to handle the sender's request. Such information is not disseminated or sold to other organizations.

System Requirements And Browsers

Security on the Internet begins with your browser. We recommend Internet Explorer 6.0 or higher or Netscape Communicator 6.1 or higher. Your screen resolution should be set to 800 x 600. Our Online Banking programs require a browser that supports 128-bit encryption.

Please read our Privacy Policy for additional information.

ID Protection

If you believe that your personal information may have been compromised, it is important to act quickly in order to protect your credit rating and reduce your risk of loss.

Lost Or Stolen Debit/ATM Card

Notify Freedom National Bank immediately by calling (401) 949-1600 or toll-free at (866) 920-2265, or by visiting your local branch to report the loss or theft of your Debit MasterCard or ATM card.

For assistance during non-banking hours, call (401) 949-1600 or toll-free (866) 920-2265 and follow the instructions to be connected directly to the Bank Card Security Department.

Freedom National Bank will issue you a new card. You must notify all merchants with whom you have set up automatic bill payments of the lost/stolen card. In addition, you will need to reestablish automatic bill payments with the participating merchants using your new card.

Your liability under federal law for unauthorized use of your Debit or ATM Card depends on how quickly you report the loss. If you report a Debit or ATM Card missing before it is used without your permission, MasterCard cannot hold you responsible for unauthorized transactions. If unauthorized use occurs before you report it, your liability under federal law depends on how quickly you report the loss.

If unauthorized transactions appear on your bank statement, report them to Freedom National Bank as quickly as possible.

Identity Theft

If you suspect that you may be a victim of identity theft:

  1. File a police report with your local police department.
  2. Call the Federal Trade Commission (FTC) Identity Theft Hotline at (877) ID-THEFT or visit
  3. Call Experian, the consumer reporting agency used by Freedom National Bank at (888) EXPERIAN or (888) 397-3742 and place an initial fraud alert on your credit reports; this alert will stop someone from opening new credit accounts in your name (Experian will automatically contact other nationwide consumer reporting companies)
  4. Notify Freedom National Bank by calling (401) 949-1600 or toll-free (866) 920-2265 or by visiting your local branch
  5. Depending on the type of fraud that has been committed, additional steps may need to be taken

Check Fraud

Notify Freedom National Bank immediately by calling (401) 949-1600 or toll-free (866) 920-2265 or by visiting your local branch if:

  • Your checks are lost or stolen.
  • You do not receive your Freedom National Bank statement.
  • You see transactions on your bank statement or Online Banking account history that you did not authorize.

How To Prevent Identity Fraud

  1. Protect your Social Security Number
  2. Do not carry your Social Security Card with you
  3. Shred anything containing your Social Security Number, account numbers, or any other important numbers (statements, checks, credit card applications, financial documents, etc.)
  4. Review monthly statements promptly and monitor accounts regularly
  5. Save receipts and compare with statement activity
  6. Make sure your driver's license number is not your Social Security Number
  7. Check credit report annually (free)
  8. Never share passwords; do not keep them in your wallet, purse, desk, etc
  9. Change passwords frequently; use unique passwords
  10. Guard your mail from theft: promptly remove mail from the mailbox; use a secured box for outgoing mail
  11. Sign debit and credit cards immediately after they arrive
  12. Have Direct Deposit
  13. Keep web browser patches up to date
  14. Use anti-virus software
  15. Use spyware prevention and detection software
  16. If you are in doubt as to whether or not an email is legitimate, do not respond to it
  17. If questionable email offers a link, do not click on the link, even if it looks genuine
  18. Do not respond to email solicitations asking for personal or sensitive information

Important Contact Information

  • Freedom National Bank - (401) 949-1600 or (866) 920-2265 or contact us online
  • Federal Trade Commission (FTC) - (877) FTC-HELP or (877) 382-4357; TTY (866) 653-4261 or visit
  • Federal Trade Commission (FTC) Identity Theft Hotline - (877) ID-THEFT or visit
  • Social Security Administration's Fraud Hotline - (800) 269-0271 or visit
  • Credit Reporting Bureau/Fraud Department: Experian - (888) EXPERIAN or (888) 397-3742

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