Review on Fnbraymond

The website fnbraymond.com belongs to The First National Bank of Raymond, a real, FDIC-insured community bank based in Raymond, Illinois. The bank provides a variety of deposit accounts (checking, savings, CDs, IRAs), lending solutions (auto, residential real estate, agriculture, business), and digital services such as online banking, mobile banking, and bill pay. Their site also offers educational resources on identity theft and fraud prevention, reinforcing a commitment to security.

With physical branch locations listed (in Raymond, Virden, Girard, Pawnee, and Morrisonville, IL), a routing number (081909146), and a call-report showing nearly $182 million in assets, the institution is well-established. 

The website is tied to a verified bank, and the mobile apps (iOS and Android) are published under the bank’s name.

More Details

Here’s a detailed breakdown of why FNB Raymond’s website is credible and not a scam:

1. Regulatory Credentials

   • The bank is listed as a “national (federal) charter” bank, meaning it is regulated by U.S. banking authorities. 

   • It is FDIC-insured. Branch locator data confirms it's a “Member FDIC.” 

   • A scam site would have difficulty faking FDIC membership and national bank status so convincingly.

2. Physical Infrastructure

   • With five branches in Illinois, FNB Raymond has a real-world footprint. 

   • The presence of a physical headquarters (Raymond, IL) reduces the risk that this is a shell website.

3. Mature Online Platform

   • Their online banking agreement is legally detailed: it explains secure login, SSL encryption (128-bit), cookies, session management, and user liability. 

   • The mobile app supports check deposits, turning cards on/off, alerts — features that typically require strong backend banking infrastructure. 

   • Business banking functionality includes dual authorization, permission controls — again, not trivial to build and maintain. 

4. Fraud Prevention and Education

   • The bank explicitly warns customers against phishing or scam attempts, specifying that it will never ask for sensitive information by email/text/phone. 

   • It provides tangible guidelines: how to spot red flags (suspicious URLs, urgency, unsolicited contact) and where to report fraud (phone number listed). 

5. Privacy and Data Handling

   • Their privacy policy is clear: what data is collected, how it’s used, how long it's stored, and with whom it may be shared. 

   • The policy also explains how to opt out of location tracking and other data usage — transparency that many shady sites lack. 

6. Transparency in Contact and Terms

   • They provide a working “Contact Us” form, email, phone, and physical address. 

   • The online banking enrollment/agreement page is fully fleshed out, with user responsibilities, fee structure (or lack of), cancellation clauses, and security procedures described. 

   • Their liability and error resolution policy (e.g., how to report unauthorized access, timeline) is clearly stated. 

7. History & Credibility

   • First National Bank of Raymond has been in operation since 1903 (over a century). 

   • Such a long-standing history suggests a stable, well-established financial institution — not something created for quick fraudulent gain.

Because of these factors — regulatory compliance, transparency, physical presence, strong security, and customer education — the site is best characterized as legitimate