To increase your security and user experience in online banking, the sign in and authentication procedures have been upgraded. Your user name. password and image phrase remains the same and your challenge questions and answers have not changed. However, in some instances you may be prompted to answer your challenge questions when you were not prompted in the past. Also the accuracy of your answers will be more strictly enforced. Please know that these changes were necessary to keep your online banking system up to date in an ever-changing internet banking environment. If you have any questions, please contact us at 251-970-8000. Thank you for banking with First National Bank of Baldwin County.