Checking & Savings

Compare a wide offering of business and personal checking and savings accounts, then choose the account that best fits your needs.

E-Statement LoginE-Statement SetupReorder ChecksBaZing Login

Exciting BaZing Benefits

BaZing is an exciting new benefits package available only to FNB First Choice Checking and Super Select Checking customers. BaZing provides valuable personal protection services and savings at over 300,000 retailers and merchants, with benefits like:

  • ID Protection — Which includes:
    • Identity Monitoring that will alert you of suspicious activity associated with your social security number. Separate activation is required on the BaZing website.
    • Up to $5,000 Personal Identity Protection for reimbursement of approved expenses needed to restore your identity.
    • Payment Card Protection provides hands-on assistance with cancelling any stolen or lost payment cards
  • Cell Phone Protection — Provides you up to $200 reimbursement (up to two times in a 12-month period) should your eligible cell phone be stolen or damaged. To qualify, your monthly bill must be paid for from your FNB First Choice Checking or Super Select Checking Account.
  • Savings and Shopping Discount — Valuable online coupons are available 24/7 at www.BaZing.com. Browse and choose from over 300,000 national and local businesses … including many of your favorite retailers, restaurants, hotels and travel-related companies.
  • Roadside Assistance — Gets you back on the road as soon as possible for the low event fee of $64.95. You’ll even get a $25 rebate the first four times you use the service. Services include towing (up to 5 miles), winching, jump start, minor roadside adjustments to start vehicle, fuel delivery, flat tire and lockout assistance.

BaZing Benefits are Easy to Use!
To find out more, call or visit the nearest FNB Bank Office.



Personal Checking


FNB offers six different checking accounts to fit your lifestyle and budget. You can read about the features and benefits of each account below.

Account This Account Is For You If… Monthly Fee Online Banking Special Features
First Choice Checking You are interested in unlimited check writing and a package of great protection and savings benefits $7 Online Banking, Bill Pay and Mobile Banking
  • $10,000 AD&D Insurance
  • $5,000 ID Theft Protection
  • Value Added BaZing Benefits
  • No charge for First Choice Checks
  • Visa® Check Card2
  • Discounted Safe Deposit Box
  • No charge for Notary Service
  • Cashier’s Checks – up to 3 per month at no charge
Super Select Checking You want to earn interest and make 25 or more POS Check Card transactions monthly; use Direct Deposit and E-Statement $7
Waived with 35 POS Check Card transactions
Online Banking, Bill Pay and Mobile Banking
  • Higher interest paid on balances up to and including $35,0001
  • $5,000 Travel Accident Insurance
  • $2,500 ID Theft Assistance
  • Value Added BaZing Benefits
  • No charge for First Choice Checks
  • Visa® Check Card2
  • Refund other Bank’s ATM Fees3
  • Discounted Safe Deposit Box
  • No charge for Notary Service
Interest Checking You want a basic interest-bearing checking account $10
Waived with $1,000 minimum daily balance
Online Banking, Bill Pay and Mobile Banking
  • Tiered interest earned on daily collected balance
  • $1,000 ID Theft Assitance
  • Visa® Check Card2
Prestige 55 Checking You are 55 or greater $0 Online Banking, Bill Pay and Mobile Banking
  • Prestige Checks – maximum 2 orders per year
  • Cashier’s Checks or Money Orders – up to 3 per month at no charge
  • $1,000 ID Theft Assistance
  • Visa® Check Card2
FNB Checking You want unlimited check writing with no monthly fee $0 Online Banking and
Mobile Banking.
Bill Pay available
at no charge with
Direct Deposit
  • E-Statement
  • $1,000 ID Theft Assistance
  • Visa® Check Card2
Student Checking You are age 14 through college4 $0 Online Banking and Mobile Banking
  • E-Statement with check images
  • 12 checks at account opening
  • $1,000 ID Theft Assistance
  • No FNB transaction fee charged on
    up to 3 non-FNB ATM withdrawals
    per month
  • Visa® Check Card2
  • Earn $.05 per FNB Visa Check Card transaction up to $1.50 per month5

1Qualifying conditions must be met to earn a higher interest rate on balances up to and including $35,000.  Qualifying balances in excess of $35,000 will earn a lower rate of interest. If qualifying requirements are not met, a lower interest rate will be applied to the entire account balance.

2Subject to approval.

3Refund limited to $20 per month when qualifying conditions are met (with maximum of $5.00 returned per transaction).

4Parent assumes financial responsibility for account holders under 19.

5Deposited monthly into Student Checking account.

Savings, CDs and IRAs


When planning for retirement or other financial goals, we understand the rewarding feeling that comes from watching your monies grow. Below are the different types of savings accounts we offer.

Account Minimum Deposit to Open Monthly Fees Important Information
Basic Savings $25 $0
  • Tiered interest earned on daily ledger balance
  • Quarterly statements
  • 6 withdrawals per month with no service fee1
Money Market $2,500 $10
Waived by maintaining a $2,500 minimum daily balance
  • Tiered interest earned on daily collected balance
  • 6 withdrawals per month with no service fee2
Christmas Club $0 $0
  • Interest earnings are calculated on the daily ledger balance and paid annually
Certificates of Deposit $1,000 A penalty may be imposed for each early withdrawals
  • CD terms from 91 days to 60 months
  • Fixed rates
  • Receive interest monthly, quarterly, semi-annually, annually or compound quarterly
Individual Retirement Accounts (IRA) $1,000 A penalty may be imposed for each early withdrawal
  • Several options to choose from including Traditional and Roth IRAs
  • Receive interest monthly, quarterly, semi-annually, annually or compound quarterly

1 This is a limited transaction account. Federal law requires that we convert a savings account to a checking account if you exceed six preauthorized or automatic debits or withdrawals per month, including transactions by check or similar order payable to a third party. There is an excessive withdrawal fee of $3.00 per withdrawal in excess of 6 during a calendar month.

2This is a limited transaction account. Regulatory limit of six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction per statement cycle. There is an excessive withdrawal fee of $15.00 per transfer in excess of 6 per statement cycle.

Business Checking


FNB Bank is all about the communities we live and work in. We want to help you grow your business with one of the great business checking accounts we offer.

Account Minimum Deposit to Open Monthly Fees Important Information
Business Checking $100 None
  • 150 items per month1
  • Visa® Business Check Cards
  • Online Banking
Business Interest Checking $100 $15
Waived by maintaining a $10,000 minimum daily balance
  • Tiered interest earned on daily collected balances
  • 150 items per month1
  • Visa® Business Check Cards
  • Online Banking
Analysis Checking $100 Varies
Business Money Market $5,000 $10
Waived by maintaining a $5,000 minimum daily balance
  • Tiered interest earned on daily collected balances
  • No charge for Online Banking access
  • 6 withdrawals per monthly cycle2
Business Savings $25 $0
  • Tiered interest earned on daily ledger balance
  • Online Banking
  • Quarterly statements
  • 6 withdrawals per month3

1Items include check and other debits paid (including ACH, ATM and debit card transactions), deposited items and other credits posted. Transaction fee of $0.25 for each additional item over 150 per month.

2This is a limited transaction account. Regulatory limit of six (6) withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction per statement cycle

3This is a limited transaction account. Federal law requires that we convert a savings account to a checking account if you exceed six preauthorized or automatic debits or withdrawals per month, including transactions by check or similar order payable to a third party. There is an excessive withdrawal fee of $3.00 per withdrawal in excess of 6 during a calendar quarter.

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.