First National Bank Fake Website
This First National Bank Fake Website was set up by the scammers who tried to scam us with the Jerome Powell Federal Reserve Lottery Scam. They used the domain name http://firstnlhomesb.org which they registered a few days before contacting us with the scam.
First we will start with the email introducing us to the fake bank website...
Sent: 13/02/2026 at 12:45 AMFrom: "JEROME POWELL" jaypowell44@hotmail.com
To: [Name and Email address redacted]
Subject: NOTICE OF FUND RELEASE FROM THE FEDERAL RESERVE//////////
THE FEDERAL RESERVE SYSTEM (the Fed)
HQ: MARRINER S. ECCLES BUILDING,
20TH STREET AND CONSTITUTION AVENUE
N.W., WASHINGTON, D.C. 20551, UNITED STATES.
Attention: Mr. [Name redacted],
Your email is well received and noted. Mr. [Name redacted], our First National Bank (F.N.B.) has successfully set up an Online Bank account in your NAME and our Fed-Wire Department has also successfully credited your fund sum of $10 Million U.S. Dollars (Ten Million United States Dollars) into your First National Online Bank account.
BELOW IS YOUR ONLINE BANK ACCOUNT LOGIN DETAILS:...
Bank login Website Link: http://firstnlhomesb.org
Account Number/User ID: [Redacted 10 digit number]
Password: [Redacted 11 character string]
PIN: [Redacted 4 digit number]
TO LOGIN: Kindly click on our Bank Website Link above and click on Login or Get-Started, then enter your Account Number and Password, click Proceed to enter your 4-digit PIN code to gain access into your First National Online Bank account.
TO TRANSFER: Kindly click on Funds Transfer and select Local Bank Transfer, if you want to transfer your funds into an American base Individual Bank account. Or select Wire International Transfer, if you want to transfer your funds into your [Redacted] Individual Bank account or into any other Foreign base Bank account, except from an American base Bank.
Also, your daily transfer limit both for Local Transfer and International Transfer is $50,000 USD (Fifty Thousand United States Dollars).
NOTE: That you are advised to change your Online Bank account password once you successfully login, and do not hesitate to respond back to us in case you have any challenge or find anything difficult.
BEST REGARDS,
MR. JEROME POWELL,
THE CHAIRMAN FEDERAL RESERVE SYSTEM (the Fed).
Notes: I also received the following Deposit confirmation...
Sent: 13/022026 at 12:15 AM
From: "FNB" info@firstnlhomesb.org
To: [Email address redacted]
Subject: [Credit Alert] - FNB Bank
Using the sandbox browser these are the screenshots of the home page:
Notes:
Whilst the website looks professional the text is very generic and if you look closely your will see typos that would not be present on a genuine bank website.
There are no contact details detailing a bank address or any branch addresses nor are there any easy ways of setting up an account. This fake website is set up for the exclusive use of prospective scam victims (the "Marks") to entice them into paying the COT fee, more of that below.
If you click on the yellow "Login button" it takes you to this page:
Here we entered our user id and password we had been given:
Here we are addressed by our name (I have redacted my assumed name) note the broken image on the page and we are asked to enter our previously provided PIN number, which we do.
I am quite impressed with the layout of this page and if I didn't know it was a completely fake website would be convinced by the balance recorded as being in my account. US$10 million is quite a sum, if it was really in that account.
With previous fake bank accounts we have been presented with there has been an activation fee that has had to be paid but in this instance there does not appear to be such a fee however there will be a fee whilst "you" might be thinking the object is to "give you" a large sum of money the onjective of the scammers is to get you to pay them.
We navigate now to the option to transfer money to our uk account (Funds Transfer). We will however be entering fake bank account details as we have no intention of providing scammers with our actual bank account details.
We enter the details and click submit.
This is where we come up against the requirement to provide a "Cost of Transaction" COT code, a complete fiction to get money out of you. If you pay you will be no nearer to getting your hands on firstly the US$50,000, the amount you wished to transfer.
We opened a ticket to request a COT and followed it up later with an email.
Here is an appropriate place to explain what a COT is and who better to tell you about it than Gemini, the Google Chatbot.
The "First National Bank" got back to me to explain the charge for the issuing of a "Cost of transaction" Digital code.
Sent: 16/02/26 at 22:12
From: info@firstnlhomesb.org
To: [name and Email address redacted]
Subject: NOTICE OF FUND RELEASE TO MRS. PAULETTE E. MILLER, FROM F.N.B. ONLINE BANKING MEANS !!!!!!!!!!!!!!!
FIRST NATIONAL BANK (F.N.B.)
HQ: FNB FINANCIAL CENTER,
626 WASHINGTON PLACE PITTSBURGH,
PENNSYLVANIA 15219, UNITED STATES.
Attention: [Name redacted],
We received your email requesting for Cost Of Transaction (COT) code to complete your funds transfers out from your First National Online Bank account into your UK Individual Bank account. The U.S. Department of the Treasury are the authority in charge to issue out the needed 6-digit Cost Of Transaction (COT) code to you, and they are demanding for the sum of $1,750 U.S. Dollars from you, before the (COT) code will be release to you, to successfully complete your funds transfers out from your First National Online Bank account into your Individual Bank account.
Mr. [Name redacted], the Cost Of Transaction (COT) code is a 6-digit PIN code that will be generated and issued to you by The U.S. Department of the Treasury under the desk of First National Bank (F.N.B.), to enable you complete each and every one of your funds transfer out from your Online Bank account into your Individual Bank account, and I am giving you 100% assurance and guarantee that you'll successfully transfer your funds out from your Online Bank account into your Individual Bank account once you pay the needed fee to obtain the (COT) code from the U.S. Treasury.
Also, your urgent response is needed to enable us give you our recipient payment details and instructions on how you'll send the needed fee, for you to get the needed (COT) code to complete your funds transfer, and I hope this email is clear to your understanding, because any actions contrary to the instructions given to you above is at your own risk.
WARM REGARDS,
MR. VINCENT J. DELIE JR,
THE CHAIRMAN, PRESIDENT AND CEO,
F.N.B. CORPORATION AND FIRST NATIONAL BANK.
Notes:
So the COT fee is US$1,750, quite a sizeable amount of money to lose if you fall for their lies. No advanced fees are required to be paid for legitimate bank transfers, and if there were charges then they would be deducted from the amount of funds being transferred. Note the error in name in the subject line... they must have been contacting someone immediately before with the name Paulette Miller.
They like to keep you emailing back and fro. I contact them to request the payment details.
Sent: 17/02/26 at 22:11
From: info@firstnlhomesb.org
To: [Name and Email address redacted]
Subject: NOTICE OF FUND RELEASE TO MR. EDWARD HARIGAN, FROM F.N.B. ONLINE BANKING MEANS !!!!!!!!!!
FIRST NATIONAL BANK (F.N.B.)
HQ: FNB FINANCIAL CENTER,
626 WASHINGTON PLACE PITTSBURGH,
PENNSYLVANIA 15219, UNITED STATES.
Attention: Mr. [Name redacted],
Your email requesting for our recipient payment details is well received. Mr. [Name redacted], the needed (COT) code is a one-time 6-digit PIN code that you will always use to finish your funds transfers out from your Online Bank account into your UK Individual Bank account or into any Individual Bank account in the world. Also, you will only obtain the (COT) code once and it will cover and work in all your funds transfers out from your Online Bank account into any Individual Bank account in the world.
MR. [NAME REDACTED], BELOW IS OUR RECIPIENT BANK ACCOUNT PAYMENT DETAILS, AND YOU ARE ADVISED TO TRANSFER THE NEEDED FEE SUM OF $1,750 U.S. DOLLARS TO THE BELOW BANK ACCOUNT DETAILS:
Bank Name: Santander Bank, N.A.
Account Holder Name: Ana Maria Rodriguez Aponte
Account Number or IBAN: 9536870827
Bank Address: 51 Gold Star Boulevard, Worcester, MA 01605
Account Holder Address: 485 Grove Street, Apt. 20B, Worcester, MA 01605-1212
Routing Number: 231372691
BIC/Swift Code: SVRNUS33
Amount: $1,750 U.S. Dollars Only.
Mr. [name redacted], you are to send the payment slip or receipt once you get the payment done for confirmation, and to enable us to obtain the needed to Cost Of Transaction (COT) code from the U.S. Department of the Treasury, and to enable you successfully transfer your funds out from your First National Online Bank account into your UK Individual Bank account.
Your urgent response is needed as soon as possible, and I hope this email is clear to your understanding, because any actions contrary to the instructions given to you above is at your own risk.
WARM REGARDS,
MR. VINCENT J. DELIE JR,
THE CHAIRMAN, PRESIDENT AND CEO,
F.N.B. CORPORATION AND FIRST NATIONAL BANK.
Notes:
So it appears at first glance that they are using a "Money Mule" in the USA when really any payment due to the Treasury Department should go direct to an account in the name of the Treasury Department!
We have reached the stage where the scammers are expecting the requested payment and I am not going to pay. The correspondence ends here.
Recommendation:
Unless you plan on "scam baiting", just delete the email and don't reply
Further Reading:
Jerome Powell Federal Reserve Lottery Scam
Federal Reserve Bank Compensation Scam
Michael Fowler
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