Ask FNB

Have questions about your banking services? Click on a topic below to find the answer. If you don’t see it here, call or stop by one of our offices and we’ll help you find a solution to your problem.

Mobile Banking

Q: Can I sign up for or use Mobile Banking without having an Online Banking account?

A: No, you must be enrolled in Online Banking before you can apply to use Mobile Banking.

Checking Card – Security, Lost Card and More

Q: I’ve lost my debit card after hours. What do I do?

A: Call 1-800-500-1044 immediately and report your card as lost or stolen.

Q: What can I do if I forget my debit card pin number?

A: For security reasons, you will need to come into the bank and present your debit card and personal identification. We will then give you a phone number and instructions that will allow you to create a new pin number.

Q: What phone number do I call to activate my debit card and create a new pin?

A: 1-866-633-5293

Q: When I call to activate my card, it does not work. Why?

A: Be sure that you call from the phone number that the bank has on record for you; and be sure to enter the social security number of the person whose name is on the card.

Q: I ordered something online or over the phone and my debit card was declined. What could be wrong?

A: When you place an online or phone order, the payee (company processing your card) must verify your address. Make sure that they have the correct address and current expiration date of the card. The address must match the address currently on file with FNB.

Q: Can I have two (2) debit cards in my name on the same account?

A: No. Each authorized signer on an account can only have one card per account. You can have more than one card per account, but only one per person.

Q: Why will my debit card not always work in the evening even though I have made a deposit that same day and have funds in my account?

A: At the end of each business day FNB processes all of the day’s activity on each account. There is a time during processing when new deposits are not available. If you have opted into our overdraft protection program, you will not be affected by this. Contact your local office for more information.

Q: My checking account was charged off; however, I have repaid the bank and reopened the account. Why does my debit card not work or my account show up online?

A: When an account is charged off (closed by the bank), both the debit card and Online Banking are cancelled. If you still have your debit card, you may bring it to the bank and have it reactivated. In addition to your debit card, you will need to show identification, sign a form and be reactivated for no fee. If you do not have your debit card, you must pay a $5.00 replacement fee, in addition to the steps previously outline. To reactivate Online Banking, you will need to re-enroll as a new online customer.

Loans

Q: How can I apply for a consumer loan or auto loan?

A: Stop by any FNB Bank office and ask to speak with a loan officer. You will need to complete a loan application that will ask for personal information such as name, address, date of birth and social security number. In addition, you will also need to provide a current paystub and information on any property that will be offered as collateral.

Q: Does FNB finance RVs, boats, ATVs and mobile homes?

A: Yes, as long as you can show proof of title or ownership of the asset and meet credit approval requirements.

Q: Does FNB provide construction financing?

A: Yes. We finance residential and commercial construction projects of all types – subject to credit approval and appraisal requirements.

Q: Does FNB offer loans for agricultural purposes?

A: Yes. We finance loans related to both real estate and operational needs of agricultural businesses.

Q: What information will FNB Bank need from me when I apply for a business loan on an existing business?

A: To begin the business or commercial loan process, simply provide a current financial statement along with tax returns on the current business from the last three years.

Q: What information will FNB Bank need from me when I apply for a business loan on a new business?

A: For a new start-up business, you will need to provide a business plan with financial projections, a current personal financial statement and personal tax returns.

Online Banking

Q: Is there a cutoff time for transfers between accounts online?

A: Yes. The cutoff time is 5:00 p.m. each business day. Transfers made after the cutoff time will post to the account on the next business day.

Q: What happens to my Online Banking account if I almost never use it?

A: After six (6) months of inactivity, your Online Banking account will be deleted from the FNB system. You will need to re-enroll if you would like service at a later date.

Q: My checking account was charged off; however, I have repaid the bank and reopened the account. Why does my debit card not work or my account show up online?

A: When an account is charged off (closed by the bank), both the debit card and Online Banking are cancelled. To reactivate Online Banking, you will need to re-enroll as a new online customer. If you still have your debit card, you may bring it to the bank and have it reactivated.

Q: What is the difference between Current Balance and Available Balance when viewed through Online Banking?

A: Current Balance shows your balance as of the last business day. Available Balance is the difference between the Current Balance and any transactions (plus or minus) that are currently shown as pending.

Q: Will my Available Balance change throughout the day?

A: Yes, your balance will change as items are debited or credited to your account.

Q: I am locked out of my online account. Can my spouse or friend call the bank to have it reset?

A: No. Only the online account holder can call to have a password reset.

Q: My spouse and I have a checking account together. Does this mean that we are both on the same Online Banking account?

A: No. Even though you may be viewing the same information online, each of you has a separate online access to the account.

Q: If I open a new account, will it automatically be added to my current Online Banking account?

A: No. If you would like to add another account, you would need to follow these easy steps. Login, click on the blue circle with a plus sign in the upper right corner of the screen, and follow the instructions. Your new account with be added to Online Banking within 2-3 business days.

Q: I need to change my mailing address. Can this be done through Online Banking?

A: No. You must sign a permission form at the bank to change your address.