Online Banking

Copyright Notice and Disclosures

Security Statement

Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features a GoDaddy-issued Digital ID for the bank’s Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.

Secure Data Transfer

Once a server session is established on an https secure page, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by GoDaddy, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank’s server issues a public key to the end user’s browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall

Secure forms must filter through a router and firewall before they are permitted to reach the server. A router, works in conjunction with the firewall, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Mastercard Zero Liability Changes

Effective October 17, 2014 MasterCard is extending its zero liability limitation in the U.S. to include all MasterCard PIN-based and ATM transactions. This is in addition to the coverage already provided on signature based transactions. To be covered by the zero liability limits, you the cardholder must promptly report the loss or theft within 2 business days of becoming aware of it, AND exercise reasonable care to protect your card from loss or theft. If you fail to do so the MasterdCard limitations will not apply-limitations established by federal law may still apply. For more information visit:

Use of Information

Any person is hereby authorized to view the information available from this web site for informational purposes only. No part of the information on this site can be redistributed, copied, or reproduced without prior written consent of North Alabama Bank.

Copyright Information

©2014 North Alabama Bank, All Rights Reserved
©2014 The Forms Group, Scottsdale, AZ All Rights Reserved

All information in this site is protected by a compilation copyright in the United States of America based on U.S. Copyright Law (17 U.S.C. sec.101 et seq) and International Copyright Laws and may not be reproduced in whole or in part. Unless otherwise specified, no one has permission to copy or republish, in any form, any information found on this site.

Trademark Information

BankSITE® is a registered trademark of The Forms Group.

Disclaimer of Warranties

The information contained or accessed, and references to corporations, including their services and products, are provided “as is” without warranty of any kind, either express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, non-infringement, or error-free or uninterrupted service.

Descriptions of, or references to, products, services or publications within North Alabama Bank’s web site does not imply endorsement of that product, service or publication. North Alabama Bank makes no warranty of any kind with respect to the subject matter included herein, the products listed herein, or the completeness or accuracy of the information. North Alabama Bank specifically disclaims all warranties, express, implied or otherwise, including without limitation, all warranties of merchantability and fitness for a particular purpose.

This publication could include technical inaccuracies or typographical errors. Changes may be periodically made to the information herein.


Facts, data, & other information presented on North Alabama Bank’s website pages are provided directly by North Alabama Bank.

North Alabama Bank, our employees, officers, directors and shareholders, as well as BankSITE®, are not responsible for typographical errors or errors of omission; and, we cannot guarantee that all information is accurate or complete.

Deposit information presented on the website of Bank of Lincoln County is in accordance with the Federal Reserves Truth in Savings Act (12CFR230). Interest rates displayed for deposit products are based on Annual Percentage Yield (APY) and may fluctuate at any time.

Loan information presented on the website of North Alabama Bank is in accordance with the Federal Reserve Truth in Lending Act (12CFR226). Interest rates displayed for loan products are based on an Annual Percentage Rate (APR) and may fluctuate at any time.

Children’s Online Privacy

The Children’s Online Privacy Protection Act (COPPA) became effective on April 21, 2000. The Act was passed to give parents increased control over what information is collected from their children online and how such information is used. Our “Dollar the Dragon” is a kid friendly knowledge tool designed to entertain. We do not request or collect any information from your child.

If you have questions or want more information about the Children’s Online Privacy Protection Rule, visit the FTC online at You also may call the FTC’s Consumer Response Center toll-free at 1-877-FTC-HELP (382-4357), or write Consumer Response Center, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580. For additional information about your children’s computer usage, please review “Protecting Your Kids”.


A cookie is a small file that contains information about a website visit which is stored on the visitor’s computer. No personally identifiable information about you is collected or stored through North Alabama Bank’s use of cookies. We collect and store only the following information about you: name of the domain from which you access the Internet (for example,, if you are connecting from an America Online account, or a similar domain corresponding to your Internet Service Provider ISP); date and time you access our website; pages you may have visited on our site; and Internet address of the website from where you came to visit our website.

If you visit our website to use interactive banking tools such as financial calculators and self-tests, you may be asked for personally identifiable information in order to complete the requested analysis or evaluation. This information is NOT retained.


If you are an Online Banking Customer, any e-mail that you send us requires input of your password as a security precaution and your message is transmitted securely. E-mail that is sent through Contact Us from is not secure and this message is clearly disclosed. If you identify yourself by sending an e-mail or completing forms such as applications, check reorders, contact forms and guest registers, you may be asked for personally identifying information in order to process your request. This information may be retained by us and our business partners for processing and to facilitate decisions. Information you submit to us is treated no differently than any other information you might provide in a written format such as a brochure application, reorder slip or a letter.

Online Security

Our website brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features a GoDaddy-issued Digital ID for the bank’s Internet Service Provider hosting our website, Secure Sockets Layer (SSL) protocol for data encryption, and a router and firewall to regulate the inflow and outflow of server traffic.

Lost/Stolen ATM Card

If your ATM/Debit card is lost or stolen, contact us immediately at 256.828.9500. After regular business hours, please call 800-264-5578 to receive immediate assistance.